Choosing the right motorcycle insurance is crucial for new riders.
As you embark on your two-wheeled adventures, it’s essential to have proper coverage that protects you, your bike, and others on the road.
Many factors come into play when selecting insurance, including your riding experience, the type of motorcycle you own, and your budget.
The best motorcycle insurance for new riders offers comprehensive coverage at affordable rates while providing excellent customer service. Insurance companies understand that beginners may have unique needs and risks, so they often offer specialized policies or discounts tailored to new riders.
By comparing different options and understanding the coverage types available, you can make an informed decision that gives you peace of mind as you hit the open road.
1) Progressive
Progressive stands out as a top choice for new motorcycle riders seeking insurance.
They offer a range of coverage options tailored to beginners’ needs.
As 1 in 3 insured riders choose Progressive, you can trust their reputation in the motorcycle insurance industry.
Their experience allows them to provide comprehensive protection for first-time riders.
Progressive offers liability-only coverage starting at $75 per year for new riders.
However, your actual premium will depend on factors like location, age, and bike type.
You’ll find a wide array of coverage options with Progressive, many included at no extra cost.
This allows you to customize your policy to fit your specific needs as a new rider.
Progressive also offers various discounts that can help you save on your premium.
These may include multi-policy discounts if you bundle your motorcycle insurance with other policies.
As a new rider, you’ll appreciate Progressive’s user-friendly online quote system.
It makes it easy to compare different coverage options and find the best fit for your budget and needs.
Progressive’s motorcycle insurance extends beyond basic coverage.
They offer additional protections like accessory coverage and roadside assistance, which can be particularly valuable for new riders.
2) Geico
Geico offers affordable motorcycle insurance for new riders.
You can easily get a free online quote to see potential savings on your policy.
As a new rider, you’ll appreciate Geico’s coverage options.
They insure various types of bikes, including sport bikes, cruisers, and mopeds.
Geico provides standard coverages like liability, collision, and comprehensive.
You can also add extras like accessory coverage and roadside assistance.
Their policies often include helmet coverage, which is valuable for new riders focused on safety.
Geico also offers a safety course discount, encouraging you to improve your riding skills.
You might benefit from Geico’s multi-policy discount if you bundle your motorcycle insurance with other policies.
This can lead to significant savings.
Geico’s mobile app allows you to manage your policy and file claims easily.
This convenience is helpful when you’re just starting out with motorcycle ownership.
Customer service is available 24/7, giving you peace of mind as a new rider.
You can get assistance whenever you need it, day or night.
Geico is known for its financial stability, which means you can trust them to be there when you need to file a claim.
This reliability is crucial for new riders who may be more prone to accidents.
While Geico may not offer as many customization options as some competitors, their straightforward policies can be ideal for new riders who want simple, comprehensive coverage.
3) State Farm
State Farm offers comprehensive motorcycle insurance coverage for new riders.
Their policies include essential protections like liability, collision, and comprehensive coverage.
You can customize your policy with additional options to suit your needs.
State Farm provides coverage for various bike types, making it versatile for different riders.
One advantage of choosing State Farm is their 24/7 roadside assistance.
This service can be particularly valuable for new riders who may encounter unexpected issues on the road.
State Farm assigns you a dedicated agent to help with your policy.
This personalized approach can be beneficial for new riders who may have questions about their coverage.
The company offers several discounts that can help reduce your premium costs.
These may include multi-policy discounts if you bundle your motorcycle insurance with other State Farm products.
You can easily get a quote online or through a local agent.
This flexibility allows you to choose the most convenient option for your needs.
State Farm’s motorcycle insurance policies come with no extra charge for certain coverage options.
This can provide additional value for new riders looking to maximize their protection.
4) Allstate
Allstate offers motorcycle insurance coverage tailored for new riders.
You can easily get a free quote online to explore your options.
As a new rider, you’ll benefit from Allstate’s comprehensive coverage.
Their policies typically include liability protection, which is essential if you’re at fault in an accident.
Allstate provides collision and comprehensive coverage to protect your investment in your new bike.
This can be particularly valuable if you’ve purchased a brand-new motorcycle.
You may qualify for various discounts with Allstate.
These can include multi-policy discounts if you bundle your motorcycle insurance with other Allstate policies.
Allstate’s motorcycle insurance is well-suited for new and young riders.
Their affordable policies and bundling discounts can help lower your costs as a new rider.
The company has a strong financial rating, with an A+ from A.M. Best.
This indicates their ability to pay out claims reliably.
Allstate offers additional coverage options designed specifically for new motorcycle owners.
These can provide extra protection for your new bike.
You can customize your policy to fit your specific needs as a new rider.
Allstate’s agents can help you understand the different coverage types and choose the best options for your situation.
5) Nationwide
Nationwide offers comprehensive motorcycle insurance coverage that can be particularly beneficial for new riders.
You’ll find a range of options to protect both you and your bike.
Nationwide’s policies include standard coverages like liability, collision, and comprehensive protection.
These are essential for new riders who may be more prone to accidents or unexpected incidents.
You can also add custom parts and equipment coverage to your policy.
This is useful if you’ve added any aftermarket accessories to your motorcycle.
Roadside assistance is another valuable option for new riders.
It provides peace of mind knowing help is available if you experience mechanical issues or run out of fuel.
Nationwide offers a vanishing deductible feature.
This means your deductible decreases over time if you maintain a clean riding record, potentially saving you money in the long run.
You can easily get a motorcycle insurance quote online or by speaking with a Nationwide agent.
They can help tailor a policy to your specific needs as a new rider.
Nationwide also provides resources and tips for motorcycle safety.
This can be particularly helpful for those just starting out on two wheels.
6) USAA
USAA offers motorcycle insurance specifically tailored for military members and veterans.
If you’re a current or former service member, you may find their coverage options particularly appealing.
When you choose USAA for your motorcycle insurance, you’ll have access to comprehensive and collision coverage.
These options help repair or replace your bike for covered losses.
A standout feature of USAA’s motorcycle insurance is the automatic inclusion of $3,000 in accessories coverage.
This can be especially valuable if you’ve customized your bike or added special equipment.
If you need more than the standard $3,000 accessories coverage, USAA allows you to increase this amount.
This flexibility ensures you can protect all your bike’s upgrades and customizations.
USAA’s policies also typically include liability coverage, which is crucial for new riders.
This protects you financially if you’re found responsible for injuries or property damage while riding.
You might appreciate USAA’s competitive rates and their understanding of the unique needs of military personnel.
Their customer service is often praised for being responsive and knowledgeable.
Keep in mind that USAA’s services are exclusive to military members, veterans, and their families.
If you fall into this category, it’s worth getting a quote to see how their offerings compare to other insurers.
7) Dairyland
Dairyland offers motorcycle insurance tailored for new riders.
They provide quality, customized policy options to protect your bike and riding experience.
As a new rider, you can benefit from Dairyland’s comprehensive coverage choices.
These include collision, comprehensive, bodily injury liability, and property damage liability protection.
Dairyland stands out with their experience, having served riders since 1966.
This longevity translates to a deep understanding of motorcyclists’ needs, including those new to riding.
You can easily get a free quote online from Dairyland.
Their policies can start as low as $7 per month, making it an affordable option for new riders on a budget.
If you need assistance, Dairyland offers customer support at 866-443-3012.
Their representatives can help you understand policy details and choose the right coverage for your needs as a new rider.
Dairyland also provides optional coverages that may be valuable to new riders.
These include protection for your gear and personal belongings, as well as coverage for custom parts and equipment.
Remember to inquire about potential discounts.
As a new rider, you might qualify for savings based on completion of a motorcycle safety course or other factors.
8) Markel
Markel offers specialized motorcycle insurance that caters to new riders.
You’ll find coverage options tailored to your specific needs as a beginner motorcyclist.
One standout feature is Markel’s per-mile insurance option.
This allows you to pay a low monthly base rate plus a few cents for each mile driven.
It’s an excellent choice if you’re just starting out and don’t plan to ride frequently.
Markel provides competitive rates for new riders.
Their premiums are often below average, potentially saving you hundreds of dollars annually compared to other insurers.
You’ll appreciate Markel’s comprehensive coverage options.
These include protection for custom parts and equipment, which is valuable if you’ve modified your bike.
As a new rider, you might benefit from Markel’s safety apparel coverage.
This protects your helmet, riding gear, and accessories in case of an accident.
Markel also offers mechanical breakdown coverage.
This can be particularly useful for new riders who may not be familiar with motorcycle maintenance.
While evaluating their offerings, consider that Markel’s options for standard motorcycles may be more limited compared to some competitors.
Markel’s financial stability is solid, with an A rating from A.M. Best.
This indicates their ability to pay out claims reliably, providing peace of mind as you start your motorcycling journey.
9) Esurance
Esurance offers motorcycle insurance coverage in 49 states across the U.S. As a new rider, you’ll find their policies include standard protections like liability, collision, and comprehensive coverage.
Esurance provides several optional add-ons to customize your policy.
These may include coverage for accessories, safety apparel, and roadside assistance.
You can tailor your policy to fit your specific needs as a beginner motorcyclist.
The company offers an online quote system for easy price comparisons.
This allows you to see potential costs quickly without speaking to an agent.
You can adjust coverage levels to find a balance between protection and affordability.
Esurance provides some discounts that can help new riders save money.
These may include multi-policy discounts if you bundle your motorcycle insurance with other types of coverage.
Safe rider discounts could also be available if you complete an approved safety course.
Customer service is available through phone and online channels.
As a new rider, you may appreciate their digital tools for policy management and claims filing.
However, keep in mind that Esurance has fewer coverage options compared to some other insurers.
While Esurance can be a viable option for new riders, it’s wise to compare their offerings with other providers.
This ensures you find the best coverage and price for your situation as you begin your motorcycling journey.
10) Safeco
Safeco offers motorcycle insurance tailored to meet various rider needs, including new motorcyclists.
Their coverage options are designed to provide comprehensive protection for you and your bike.
As a new rider, you’ll appreciate Safeco’s customizable policies.
These allow you to select the coverage types and limits that best suit your situation and budget.
Safeco provides standard coverage options such as liability, collision, and comprehensive insurance.
They also offer additional protections that can be particularly beneficial for new riders.
One notable feature is Safeco’s coverage for custom and homemade bikes.
This can be especially valuable if you’ve invested in modifications or plan to customize your motorcycle in the future.
You’ll find that Safeco’s policies extend beyond just protecting your bike.
They also cover your gear, including helmets and safety equipment, which is crucial for new riders focused on safety.
Safeco’s motorcycle insurance policies are valid throughout the United States and Canada.
This broad coverage area gives you the freedom to explore without worrying about insurance limitations.
Just note that if you’re planning to ride in Mexico, you’ll need to obtain separate coverage due to different insurance laws there.
Safeco’s policies don’t extend south of the U.S. border.
While Safeco may not always offer the lowest rates, their combination of coverage options and customization possibilities makes them a solid choice for new riders seeking comprehensive protection.
Understanding Motorcycle Insurance for New Riders
Motorcycle insurance provides essential financial protection for new riders.
It covers various risks associated with owning and operating a motorcycle, helping you ride with peace of mind.
Types of Coverage
Liability coverage is mandatory in most states.
It pays for damages you cause to others in an accident. Collision insurance covers repair or replacement costs for your motorcycle if you’re in an accident, regardless of fault.
Comprehensive insurance protects against non-accident related damages like theft, vandalism, or natural disasters.
Uninsured/underinsured motorist coverage safeguards you if you’re hit by a driver without adequate insurance.
Optional coverages include:
- Medical payments
- Roadside assistance
- Custom parts and equipment coverage
Consider your riding habits, motorcycle value, and budget when selecting coverage types.
Importance of Motorcycle Insurance
Motorcycle insurance is crucial for new riders.
It protects your finances from potentially devastating costs after an accident.
Medical bills, property damage, and legal fees can quickly add up without proper coverage.
Many states require at least liability insurance to ride legally.
Lenders typically mandate full coverage if you’re financing your motorcycle.
Insurance provides peace of mind, allowing you to focus on enjoying the ride.
It can cover:
- Repairs or replacement of your bike
- Medical expenses for you and your passengers
- Legal fees if you’re sued after an accident
As a new rider, you’re at higher risk for accidents.
Comprehensive coverage helps you avoid financial setbacks as you gain experience.
Factors to Consider When Choosing Motorcycle Insurance
Selecting the right motorcycle insurance involves evaluating several key elements.
These factors will impact your coverage, costs, and overall protection as a new rider.
Coverage Limits
Coverage limits determine the maximum amount your insurance will pay for damages or injuries. Bodily injury and property damage liability are crucial components to consider.
You should choose limits that adequately protect your assets in case of an accident.
For new riders, it’s often wise to opt for higher limits.
This provides more financial protection if you’re found at fault in an accident.
Consider your personal financial situation and riding habits when deciding on limits.
Some states have minimum required coverage amounts.
However, these may not be sufficient to fully protect you.
Review your state’s requirements and consider exceeding them for better protection.
Deductibles
Your deductible is the amount you pay out of pocket before your insurance coverage kicks in.
Higher deductibles generally result in lower premiums, while lower deductibles mean higher premiums.
As a new rider, you might consider a lower deductible.
This can help reduce your financial burden if you need to file a claim.
However, if you’re confident in your riding skills and want to save on premiums, a higher deductible could be an option.
Remember to choose a deductible you can comfortably afford in case of an accident.
It’s important to strike a balance between manageable premiums and a reasonable out-of-pocket cost.
Discounts and Savings
Many insurers offer discounts that can significantly reduce your premiums. Progressive, for example, provides accident forgiveness, which can help keep your rates stable after your first accident.
Look for discounts related to safety courses.
Completing an approved motorcycle safety course can often lead to premium reductions.
Some insurers also offer discounts for anti-theft devices or for storing your bike in a secure location.
Multi-policy discounts are common.
If you have other insurance policies, such as auto or home insurance, bundling them with your motorcycle insurance can lead to savings.
Ask potential insurers about all available discounts to maximize your savings.
Tips for Saving on Motorcycle Insurance
Reducing your motorcycle insurance costs is possible with some strategic steps.
Focus on improving your riding skills and maintaining a spotless driving history to potentially lower your premiums.
Taking Safety Courses
Motorcycle safety courses can significantly impact your insurance rates.
Many insurers offer discounts for completing approved rider training programs.
These courses teach valuable skills like defensive riding techniques and proper handling in various conditions.
Look for Motorcycle Safety Foundation (MSF) approved courses in your area.
They typically combine classroom instruction with hands-on practice.
Some states even waive the riding test for your license if you complete an MSF course.
The skills you learn may help prevent accidents, further reducing your insurance costs long-term.
Check with your insurance provider about specific course requirements for discounts.
Maintaining a Clean Driving Record
Your driving history plays a crucial role in determining insurance premiums.
Avoiding traffic violations and accidents on both your motorcycle and car can lead to lower rates.
Many insurers offer safe rider discounts for maintaining a clean record over time.
This may include no claims, no at-fault accidents, and no moving violations for a specified period.
Consider taking a defensive driving course for additional savings.
Some companies provide discounts for completing these programs, even if they’re not motorcycle-specific.
Always follow traffic laws and practice safe riding habits.
This not only keeps you safer on the road but can also result in substantial insurance savings over time.
