Does Progressive Cover Motorcycles? Coverage, Costs, and Discounts

Yes, Progressive does cover motorcycles, and it writes those policies in all 50 states and Washington, D.C. The company is the largest motorcycle insurer in the United States, with roughly one in three insured riders on a Progressive policy.¹ Liability coverage starts at $75 per year, and the same policy structure extends well beyond standard street bikes.²

What Progressive Will Insure

Progressive writes policies on cruisers, touring bikes, sport bikes, dirt bikes, custom builds, and vintage motorcycles over 25 years old. Scooters and mopeds with engines from 50cc to 500cc fall under the same policy structure as traditional motorcycles, with the same coverage types and discounts available.³ Autocycles, ATVs, UTVs, and even compact tractors are also eligible.¹

E-bikes work a little differently. Progressive covers class one, two, and three e-bikes, and unlicensed riders can buy a policy. Models made before 2010 and bikes used for racing or stunting are not eligible, and most states don’t require e-bike insurance in the first place because they classify them as regular bicycles.⁴

There are limits at the custom end. Motorcycles that are homemade, kit-built, have replaced frames, or carry state-assigned VINs are generally restricted to liability-only coverage. For physical damage protection, the bike has to be listed with resale values in the NADA Appraisal Guide.⁵

What a Progressive Motorcycle Policy Covers

Policies are built in layers. State-required liability sits at the base, with optional protections added on top.

Standard Coverages

Bodily injury and property damage liability pays for injuries and damage to others when the policyholder is at fault, along with legal expenses. From there, Progressive offers uninsured and underinsured motorist coverage for repair costs, medical bills, and lost wages when an at-fault driver has too little insurance. Comprehensive handles theft, vandalism, fire, weather, and animal collisions. Collision pays for crashes with vehicles or objects. Medical payments coverage picks up the rider’s and passenger’s medical bills regardless of fault.⁶

What Comes Included

Several features are built in when a policy carries comprehensive and collision. Full replacement cost pays to restore the bike to pre-accident condition without deducting for parts depreciation. OEM parts coverage guarantees original manufacturer parts for repairs, and if the bike has custom components, custom parts are used instead. This is something Progressive offers on motorcycles but not on auto policies.⁷ Safety riding apparel coverage protects helmets, jackets, and other gear damaged in a collision up to $3,000, with no deductible. Accessory and custom parts coverage automatically includes $3,000 for aftermarket upgrades like paint, wheels, seats, saddlebags, windshields, chrome, handlebars, and electronics, with the option to buy up to $30,000 in additional protection. Those customized parts are not depreciated at claim time.⁸

Add-Ons

Total loss coverage pays the full manufacturer’s suggested retail price minus the deductible if the bike is totaled, rather than the depreciated actual cash value. Available on motorcycles no more than one model year old on a new policy, or two model years old at renewal.⁹
Roadside assistance provides 24/7 towing up to a 15-mile radius or the nearest qualified shop, plus jump-starts, fuel delivery, lockout service, and flat tire changes. Trip interruption adds reimbursement up to $500 for food, lodging, and transportation if a breakdown happens more than 100 miles from home.¹⁰
Carried Contents covers personal belongings like phones, camping gear, or hunting equipment damaged in a covered loss.⁶
Enhanced injury protection pays up to $250 per week if the rider is injured and unable to work, and includes a $25,000 death benefit. Medical payments coverage is required to add it.¹¹
Disappearing deductible reduces the comprehensive or collision deductible by 25% for every claim-free annual policy period, potentially reaching $0. Filing a claim resets the amount.¹²

One thing Progressive does not offer on motorcycle policies: rental reimbursement.¹³ Riders who count on a loaner while repairs happen will need to plan around that.

What It Costs

Liability-only policies start at $75 per year, though actual premiums depend on the rider and the bike.² Between April 2024 and March 2025, Progressive reported these average annual costs for liability-only coverage:

Low-cost states: $164.23 per year, about $14 per month
Medium-cost states: $196.08 per year, about $16 per month
High-cost states: $243.73 per year, about $20 per month

At the state level, prices ran from $145.67 per year in Pennsylvania to $359.81 per year in Delaware. Full coverage, which adds comprehensive and collision, averaged around $23 per month in one outside analysis, roughly $10 under the industry average.¹⁴

Pricing swings on location (warmer states with longer riding seasons tend to cost more), rider age and experience, driving history (tickets typically affect rates for three years), bike type and engine size, credit rating in most states, and the chosen coverage and deductible levels.²

Ways to Lower the Premium

Progressive publishes a long list of discounts for motorcycle policyholders:

Getting a quote at least one day before the policy start date
Bundling with auto, home, renters, boat, or RV insurance
Membership in the Harley Owners Group or USAA
Carrying a valid motorcycle license or endorsement
Completing an approved motorcycle, ATV, or snowmobile safety course
Switching from another insurer
Responsible driver status: no accidents or violations for three years
Safe and Steady Rider: at least 45 years old, more than three years of riding experience, and a clean three-year record
Paying the entire premium upfront
Paying on time and enrolling in automatic bill-pay

Small accident forgiveness is included from day one, meaning claims of $500 or less don’t trigger a rate hike. Large accident forgiveness kicks in after four years with Progressive and a three-year accident-free record.¹⁵

How Claims Work

Claims can be filed on Progressive’s website, through the mobile app, by phone at 1-800-776-4737, or as a guest online. Once filed, a representative trained specifically in motorcycle and ATV claims is assigned to the case. An estimator inspects the bike at a location the rider picks and factors in custom parts and unique features. Riders can take the bike to any repair shop, and work done at Progressive’s network shops carries a guarantee for as long as the owner keeps the vehicle. A cash payout for the estimated damage, minus the deductible, is an alternative to repair.¹⁶

For qualifying claims, a photo estimate option through the app can replace an in-person inspection.¹⁷ Many property damage claims close within 7 to 14 days. Rates generally don’t shift mid-policy; any adjustment arrives at the next renewal, and payouts under $500 typically don’t produce an increase at all.¹⁸

Honda Riders and USAA Members

Progressive is Honda’s official insurance partner and the only insurer officially endorsed by Honda for powersports vehicles, including Honda motorcycles, ATVs, and side-by-sides.¹⁹

USAA doesn’t sell motorcycle insurance on its own. For more than 30 years, it has referred members to Progressive. USAA members (military personnel, veterans, and their families) receive a 5% discount on Progressive motorcycle policies and access to specially trained representatives, and the arrangement covers riders as young as 16. After the USAA discount, average full-coverage policies run about $22 per month.²⁰

Getting a Quote

Progressive needs the year, make, and model of the motorcycle to generate a quote. A VIN isn’t required to see pricing but is required to actually buy the policy, and every regular rider of the bike should be listed. Quotes can be completed online, in the Progressive app, by phone, or through an independent agent. Nearly every state requires at least liability coverage, and lenders typically mandate comprehensive and collision on financed or leased bikes.²¹

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Progressive. Motorcycle Insurance
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Progressive. Motorcycle Insurance Cost
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Progressive. Scooter and Moped Insurance
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Progressive. E-Bike Insurance
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Progressive. Customized Motorcycle Insurance
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Progressive. Motorcycle Insurance Coverages
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Progressive. Aftermarket Parts and Insurance
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Progressive. Motorcycle Accessory Coverage
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Progressive. Totaled Motorcycle
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Progressive. Roadside Assistance
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Progressive. Motorcycle Insurance Medical Bills
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Progressive. Disappearing Deductible
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CNBC. Best Motorcycle Insurance
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ValuePenguin. Best Motorcycle Insurance Companies
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Progressive. Motorcycle Insurance Discounts
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Progressive. Motorcycle Claims Process
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Progressive. Claims Center
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Progressive. Claims FAQ
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Honda Powersports. Insurance
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USAA. Motorcycle Insurance
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Progressive. State Motorcycle Insurance Requirements