Progressive Motorcycle Insurance Review

Progressive is the largest motorcycle insurer in the United States by market share. The company has built deep expertise in motorcycle coverage over the years, offering policies for every type of bike from beginner cruisers to high-performance sport bikes, custom builds, and vintage classics. For most riders shopping motorcycle insurance, Progressive is one of the carriers that consistently appears in comparison shopping.

This guide covers Progressive motorcycle insurance in detail including coverage options, average pricing, available discounts, and how the company compares to other motorcycle insurers.

What Progressive Motorcycle Insurance Covers

Progressive motorcycle insurance follows the standard coverage structure used across the industry, with several rider-specific enhancements.

Liability Coverage

Required by law in most states. Covers bodily injury and property damage you cause to others while operating your motorcycle. Standard limits start at state minimums, with higher limits available and recommended.

Collision Coverage

Pays for damage to your motorcycle from collisions with other vehicles, objects, or single-vehicle accidents. Subject to your chosen deductible.

Comprehensive Coverage

Covers damage from non-collision events including theft, vandalism, fire, weather, and animal strikes. Particularly valuable for motorcycles given elevated theft risk.

Uninsured/Underinsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient coverage. Critical for motorcyclists given the severity of injuries possible in accidents.

Medical Payments Coverage

Covers medical expenses for you and passengers regardless of fault.

Custom Parts and Equipment Coverage

Progressive offers up to $3,000 in standard custom parts coverage, with the ability to increase up to $30,000 or more for heavily modified bikes. This is significantly more than most mainstream auto insurers offer for motorcycle modifications.

OEM Parts Coverage

Optional coverage that ensures original equipment manufacturer parts are used in repairs rather than aftermarket alternatives. Particularly valuable for newer bikes and quality-conscious riders.

Roadside Assistance

Coverage for towing, fuel delivery, jump starts, and similar emergency services tailored for motorcycle situations including flat tire assistance.

Trip Interruption Coverage

If your motorcycle is disabled away from home, this coverage pays for transportation, lodging, and meals while you wait for repairs.

Carried Contents Coverage

Covers helmets, riding gear, and personal items being transported on the motorcycle.

How Much Does Progressive Motorcycle Insurance Cost?

Progressive motorcycle insurance averages $200 to $800 per year for typical riders, with significant variation based on motorcycle type, rider experience, location, and coverage levels.

What Affects Your Progressive Motorcycle Premium

Motorcycle Type and Engine Size

Sport bikes and high-performance motorcycles cost more to insure due to higher accident rates and elevated theft risk. Cruisers and touring bikes typically receive better rates.

Your Age and Experience

Younger riders and those with limited motorcycle experience pay higher premiums. Riders with multiple years of experience receive significant discounts.

Driving Record

Both your motorcycle riding record and your auto driving record affect your motorcycle premium. Accidents and violations on either count.

Annual Mileage

How much you ride affects your premium. Most motorcycles are ridden far less than cars, which generally helps motorcycle insurance pricing.

Storage and Security

Where you keep your motorcycle affects rates. Garaged bikes typically receive better rates than those stored outside or in unsecured locations.

Location

Your specific zip code affects rates. Areas with higher accident rates, theft rates, or specific weather risks all influence pricing.

Coverage Levels

Higher liability limits, lower deductibles, and additional coverages all increase premium cost.

Motorcycle Safety Course Completion

Completing approved motorcycle safety courses produces meaningful premium discounts.

Progressive Motorcycle Insurance Discounts

Multi-Policy Bundle

Combining motorcycle insurance with auto, home, or other Progressive policies produces multi-policy discounts on all policies.

Multi-Bike Discount

Insuring multiple motorcycles on a single policy produces additional savings per bike.

Motorcycle Safety Course Discount

Completion of approved courses like the Motorcycle Safety Foundation Basic or Experienced RiderCourses qualifies for premium discounts.

Mature Rider Discount

Riders over a certain age (typically 55+) who complete approved mature rider courses qualify for additional discounts.

Membership Discount

Members of organizations like the American Motorcyclist Association (AMA), Harley Owners Group (HOG), and other motorcycle clubs may qualify for discounts.

Storage and Garaging Discount

Bikes stored in locked garages or other secure locations qualify for premium discounts.

Anti-Theft Device Discount

Motorcycles with alarms, GPS trackers, or other anti-theft devices qualify for comprehensive coverage discounts.

Pay-in-Full Discount

Paying your annual premium in a single payment may produce additional savings.

Continuous Insurance Discount

Riders with continuous motorcycle insurance history receive better rates than those returning to coverage after a gap.

Original Owner Discount

Riders who are the original owner of their motorcycle may qualify for additional discounts in some markets.

Types of Motorcycles Progressive Covers

• Standard street motorcycles
• Sport bikes and super sport bikes
• Cruisers and choppers
• Touring bikes
• Adventure and dual-sport bikes
• Scooters and mopeds
• Trikes and three-wheel motorcycles
• Vintage and classic motorcycles
• Custom-built motorcycles
• Off-road motorcycles
• Electric motorcycles
• Side car motorcycles

How Progressive Motorcycle Insurance Compares to Competitors

Progressive offers competitive pricing across most motorcycle types. The company’s specialty experience and broad coverage options make it a strong choice for most riders, particularly those with custom or modified bikes who benefit from Progressive’s higher custom parts coverage limits.

Pros and Cons of Progressive Motorcycle Insurance

Pros

• Largest motorcycle insurer in the U.S. with deep specialty experience
• Higher custom parts coverage limits than most competitors
• OEM parts coverage available
• Wide coverage for all motorcycle types
• Strong financial backing
• 24-hour customer service and claims handling
• Competitive pricing across most segments
• Trip interruption and roadside assistance available
• Multi-policy bundling with auto insurance
• Both direct and independent agent purchase options

Cons

• Standard policy structure with some limitations on extreme custom builds
• Some discount programs less generous than competitors
• Higher than some specialty insurers for very high-end custom bikes
• Premium can rise significantly after at-fault accidents
• Service quality varies based on independent agent if used

Tips for Getting the Best Progressive Motorcycle Quote

Bundle With Auto Insurance

If you have Progressive auto insurance, adding motorcycle coverage produces multi-policy savings on both. This is one of the largest savings opportunities.

Complete a Safety Course

Motorcycle Safety Foundation courses produce meaningful discounts and improve your skills. The cost of the course is often offset by premium savings within the first year or two.

Choose Adequate Liability Coverage

Motorcycle accidents often involve serious injuries. Carrying minimum liability limits leaves you exposed to potentially significant lawsuits. Higher liability limits cost relatively little additional premium and provide much better protection.

Add Custom Equipment Coverage

Progressive’s higher custom parts coverage is one of the company’s strengths. If you have aftermarket parts or modifications, ensure your custom equipment coverage limits match your investment.

Consider OEM Parts Coverage

For newer bikes, OEM parts coverage ensures original equipment manufacturer parts are used in repairs. The premium increase is typically modest for the protection benefit.

Store Your Bike Securely

Garaging your motorcycle and using anti-theft devices both reduce comprehensive premiums and reduce theft risk.

Adjust Your Deductibles

Higher deductibles reduce premiums significantly. The right deductible reflects your ability to absorb out-of-pocket costs without difficulty.

Compare With Specialty Insurers

For unique bikes, custom motorcycles, or specific situations, specialty motorcycle insurers may offer better coverage. The team at Matrix Insurance can help compare Progressive against specialty options.

Frequently Asked Questions

Is Progressive good for motorcycle insurance?

Yes. Progressive is the largest motorcycle insurer in the U.S. and offers competitive coverage with deep specialty experience. The company’s higher custom parts coverage limits and OEM parts options make it particularly strong for riders with modified or newer bikes.

How much does Progressive motorcycle insurance cost?

Average Progressive motorcycle insurance ranges from $200 to $800 per year for typical riders, depending on motorcycle type, rider experience, location, and coverage levels. Sport bikes and high-performance motorcycles cost more than cruisers or touring bikes.

Does Progressive cover custom motorcycles?

Yes, Progressive is well-known for handling custom and modified motorcycles. The company offers up to $30,000 or more in custom parts and equipment coverage, which is significantly more than most mainstream insurers.

Can I bundle motorcycle and auto insurance with Progressive?

Yes. Combining motorcycle and auto insurance with Progressive produces multi-policy discounts on both. This is one of the most common ways customers save on Progressive motorcycle coverage.

Does Progressive offer motorcycle roadside assistance?

Yes. Progressive offers motorcycle-specific roadside assistance as an optional coverage. Services include towing, fuel delivery, jump starts, and similar emergency services tailored for motorcycle situations.

Will my motorcycle premium increase after a claim?

Often yes. At-fault accident claims typically affect rates for three to five years. Comprehensive claims (theft, vandalism, weather) may have less impact than at-fault collisions.

Does Progressive require a motorcycle license to get coverage?

Yes. You need a valid motorcycle endorsement on your driver’s license to operate a motorcycle on public roads, and Progressive requires this for coverage.

The Bottom Line

Progressive offers strong motorcycle insurance for most riders with competitive pricing, deep specialty experience, and unique features like high custom parts coverage limits and OEM parts coverage. The company’s position as the largest U.S. motorcycle insurer reflects decades of experience serving the rider community.

For specialty bikes, very high-end customs, or unique riding situations, comparing Progressive against specialty motorcycle insurers ensures you find the best combination of coverage and price for your specific situation.

The team at Matrix Insurance can help you compare Progressive motorcycle insurance against other top carriers including specialty motorcycle insurers. Use our Car Insurance Calculator for general estimates, or reach out to our team directly for a personalized motorcycle insurance review.