Top 5 motorcycle insurance agency in us in 2021 list
Top 5 motorcycle insurance agency in us in 2021 list : Motorcycle insurance is needed in most states before you may ride your bike on the road. But which motorbike insurance providers are the best?
Motorcycle coverage is available from a variety of insurers around the country, and sifting through all of your options can be challenging. That is why we have completed your assignment for you. Based on coverage, pricing, and customer service, we’ll propose the top suppliers for various types of riders in this study.
In this article:
Best Motorcycle Insurance Providers
#1 Geico: Best Overall
#2 Progressive: Best Coverage
#3 State Farm: Best Local Agents
#4 Dairyland: Best For High-Risk Riders
#5 Safeco: Best Budget Provider
Best Motorcycle Insurance Providers :
Geico, Progressive, State Farm, Dairyland, and Safeco are the top five motorcycle insurance carriers on the market today, according to our study. On a five-point scale, we graded each of these suppliers in many categories.
|ProviderProvider||Superlative||RideApart Rating||Cost||Coverage||Customer Service|
|1. Geico||Best Overall||4.5||5.0||4.5||4.0|
|2. Progressive||Best Coverage||4.5||4.5||4.5||3.5|
|3. State Farm||Best Local Agents||4.5||4.0||4.0||4.5|
|4. Dairyland||Best For High-Risk Riders||4.0||4.0||4.0||3.5|
|5. Safeco||Best Budget Provider||3.5||5.0||4.0||3.0|
1 Geico: Best Overall
Because it performs well in all of our evaluation areas, we’ve decided that Geico is the top motorcycle insurance company overall. The company provides some of the lowest prices in the market, in addition to substantial policy limits and great customer service.
Geico provides inexpensive prices across the board, but notably for touring motorcycles and minimum-coverage motorcycle insurance packages. On its website, the insurance offers a variety of discounts, including:
*Discount for several policies
*Discount for mature riders
*When you renew your insurance, you will receive a loyalty discount.
*Completion of a safety course earns you a discount.
*Discount for combining products such as life, house, renters, or Geico auto insurance Discount for being a current Motorcycle Safety Foundation teacher
Geico offers all of the standard motorcycle insurance coverage options, which include:
*Coverage that is comprehensive
*Coverage for collisions
*Coverage for medical costs (MedPay)
*Protection against personal injury (PIP)
*Coverage for uninsured and underinsured motorists
Policyholders can purchase coverage for their helmets, accessories, and roadside assistance in addition to the basic coverage listed above. Due to Geico’s financial strength, insurance limits can be set quite high – up to and exceeding $1 million in some circumstances.
Customer Service :
When it comes to auto insurance and motorbike insurance, Geico has a solid customer service record. The Better Business Bureau (BBB) has given it an A+ rating, and it is recognized for providing dependable claims service. It’s simple to pay your payment and file a claim with Geico thanks to tools like its mobile app and user-friendly internet portals.
Read our Geico motorcycle insurance review to discover more about this company.
2 Progressive: Best Coverage
Progressive, like Geico, is a well-known vehicle insurance company that also covers motorbikes. Because of its high policy limits and vast variety of add-on coverage options, we judged Progressive to offer the best motorcycle coverage.
Progressive has competitive rates for all types of motorcycle insurance, but it offers especially low prices for full coverage policies. If you want low-cost coverage with high limits, certainly give Progressive a look.
Motorcyclists can save money by using Progressive’s several discounts, which include:
*Responsible driver discount (no violations within the past three years)
*Savings for customers who purchase coverage within one day of receiving a quote
*Savings for members of the Harley Owners Group (HOG) or USAA
*Savings for drivers with a motorcycle license or motorcycle license endorsement
*Motorcycle safety course discount
Accident forgiveness and a deductible that vanishes are also available from Progressive.
Progressive offers the following insurance policies in addition to the usual motorbike insurance coverage options:
*If your bike is less than one model year old, complete loss coverage pays to replace it in the case of a total loss.
Progressive motorcycle insurance with accessory coverage covers for damage to custom components, extra equipment, and accessories. All comprehensive and collision insurance policies include up to $3,000 in accessory coverage, but extra coverage up to $30,000 may be bought individually.
*Roadside assistance: This will cover the costs of hauling your bike to the nearest repair shop or other roadside services.
*Trip interruption coverage: If you have an accident far from home and need to remain overnight while your bike is repaired, you will be reimbursed $500 for food and accommodation expenses.
*Carried Contents: If your bike is destroyed in an accident, this may be used to replace personal possessions.
*Enhanced injury protection: If you’re hurt in an accident and can’t work, you can earn $250 per week for up to two years if you’re unable to work.
*If you die in an accident, this benefit will pay out $25,000 to a specified beneficiary.
Customer Service :
Customer service is a strong suit for Progressive. It boasts an A+ BBB rating and thousands of happy passengers all throughout the country. Progressive, like Geico, is a well-capitalized national insurer that can offer efficient service and simple methods for submitting claims and paying premiums.
3 State Farm: Best Local Agents
State Farm is unique among insurance companies in that it operates through a network of local brokers. As a result, the bids and buying procedure are a little different. You can’t get prices and sign up for insurance fully online, unlike Geico and Progressive.
For many riders, however, this perceived disadvantage is really a benefit. Local agents mean you’ll have someone to help you navigate the buying process and discover the policy that best suits your requirements and budget. State Farm motorcycle insurance is a fantastic option for individuals who want one-on-one assistance in determining their policy requirements.
State Farm does not provide quick internet quotations, and rates vary by individual. According to user reviews, State Farm motorcycle insurance is somewhat more expensive than Geico and Progressive, but it is still reasonably priced when compared to other area insurers. You may pay more with State Farm, but you will have access to a dedicated agent who will assist you with all of your insurance requirements and claims processing.
State Farm insures a wide range of bicycles, including:
State Farm now offers plans for sidecars and protective gear in addition to regular coverage choices.
Customer Service :
State Farm is able to deliver exceptional local service thanks to its committed local agents. State Farm has an A+ rating with the Better Business Bureau and is renowned for providing excellent claims service. Consider State Farm if customer service is a priority in your motorbike insurance coverage.
4 Dairyland: Best For High-Risk Riders
Sentry Insurance, a nationwide carrier with an A+ financial strength rating from AM Best, owns Dairyland. For motorcyclists with a history of accidents or DUIs, we recommend Dairyland motorcycle insurance, which has cheap rates for high-risk riders.
Dairyland Insurance offers low rates on all forms of insurance, but it shines out when it comes to minimum-coverage insurance for sports bikes and coverage for high-risk riders. High-risk riders can get policies for as little as $120 per month.
Dairyland insurance options, in addition to basic motorbike coverage, include:
*Coverage for medical expenses if your passenger is harmed in an accident is provided by guest passenger coverage.
*Coverage for special equipment: In the case of a crash, theft, or other disaster, it pays to repair or replace pricey gear and unique adaptations.
*Physical harm plus: Ensures that original equipment manufacturer (OEM) components are used to repair your bike.
Rental reimbursement, roadside assistance, a trip disruption benefit, and replacement fees for bikes up to three years old are all included in Dairyland’s package.
Customer Service :
Dairyland has an A+ rating from the Better Business Bureau and many satisfied customers. It also has a high rating on Trustpilot, with a 4.5-star rating. A simple claims process and professional and pleasant customer care personnel are mentioned in several customer evaluations.
5 Safeco: Best Budget Provider :
For motorcyclists looking for the most affordable motorcycle insurance, we recommend Safeco. Safeco, like State Farm, provides insurance via local brokers. Unlike State Farm, Safeco agents can sell policies from other companies. You can get the cheapest motorbike insurance among many supplier alternatives by working with a Safeco representative.
A Safeco representative can assist you in determining the best choice for your motorbike and matching you with a policy that includes as many reductions as possible. Safeco offers the following discounts:
*Safety course discount
*Riding club discount
*Anti-theft and safety features discounts
*Continuous coverage discount
Safeco offers bespoke parts and equipment coverage, safety clothing coverage, OEM parts coverage, and two-year replacement coverage for Harley Davidson bikes in addition to the regular motorcycle coverage choices. All insurance include gear replacement coverage, as well as roadside assistance and travel interruption coverage.
Customer Service :
Safeco has an A+ BBB rating, much like the rest of our top motorcycle insurance selections. Safeco, on the other hand, does not have the same level of client satisfaction as some other top suppliers. It’s a decent option for low-cost insurance, but the claims processing time may be longer than with Geico and State Farm.
More Articles :