Motorcycle Insurance Coverages

Pays for damages to other vehicles and injuries to others if you're liable in a motorcycle accident, as well as legal expenses if you're sued, up to your coverage limit. Liability coverage is mandatory in almost every state in order to ride a motorcycle.

If a motorist with no insurance or not enough coverages causes injuries or damages and they can't pay out of pocket, UM/UIM may pay to repair or replace your motorcycle as well as medical bills and lost wages if you can't work.

Comprehensive pays to repair or replace your motorcycle if it's stolen, vandalized or damaged in a weather-related incident, collision with an animal, or fire. Collision coverage pays to repair or replace your bike if it’s damaged in an accident with another vehicle or object, such as a tree, fence or guardrail. You can typically choose your deductible amount for comprehensive and collision.

Pays for you and your passengers' medical bills if you're in an accident, regardless of fault and up to your coverage limit.

We always pay to return your bike to pre-accident condition or better. For instance, if your bike’s three-year old handlebar is damaged in a covered loss and has a depreciated value of $100, we’ll pay you $250—the cost of a brand new handlebar.

Choose the amount you need to re-customize or restore your bike. We automatically include $3,000 of coverage with comprehensive and collision to pay for upgrades, customizations, equipment, and your accessories. If that's not enough, you can purchase up to $30,000 in coverage. Keep in mind, as you make upgrades to your bike, such as a diamond-stitched seat or chrome wheels, you may want to increase your accessory coverage limit for more protection.

If you have Original Equipment Manufacturer (OEM) parts on your bike, we'll always use OEM parts in repairs. Or if you have custom parts, we'll use custom parts in repairs. Progressive knows you're proud of your bike's brand and you don't want to settle for aftermarket parts. This coverage is included if you add comprehensive and collision.

Pays for your riding apparel that is damaged or destroyed in a covered collision, up to $3,000 and without any additional deductible. Your policy must have comprehensive and collision coverage for at least one vehicle in order to qualify for SRA coverage.

Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If your motorcycle is totaled, we'll give you the full manufacturer's suggested retail price for a brand new bike, minus the deductible on your policy.

Let's say that you bought a motorcycle for $15,000, and it's now only worth $10,000. If it's totaled, and the latest model costs over $15,000, we'll pay you that amount. If your motorcycle is no longer eligible for total loss coverage at renewal, your policy will still cover the actual cash value of your bike.

If your bike is disabled within 100 feet of a public road, our roadside assistance program will tow your bike to the nearest repair shop for free. You can also add trip interruption to pay for food, hotel or transportation up to $500 if you're away from home.

Covers personal belongings that you carry on your bike if they're damaged due to a covered loss, including phones, camping equipment and hunting gear.

We'll take 25% off your deductible for every claim-free motorcycle policy you have…all the way down to $0. If you have a claim, the deductible returns to its original amount at the next renewal.^†

If you're injured and can't work, we'll pay you up to $250 every week for two straight years. We'll also add death benefits to this, so if you're in a fatal accident, we'll pay your beneficiaries $25,000.