Motorcycle Insurance • Comparison • 2026
Comparing motorcycle insurance shouldn’t mean juggling tabs and guessing what each quote actually includes. The fastest way to find real value is to line up identical limits and deductibles—then compare the rider-specific items that change outcomes: UM/UIM protection, comprehensive/collision, custom parts & equipment (CPE), riding gear coverage, and roadside/trip interruption. As an independent agency, Blake Insurance Group helps you compare multiple carriers in one pass so you can bind confidently.
This page is built for “apples-to-apples” comparison. Start the quote tool, then use the tables below to make sure you’re comparing the same coverage structure across carriers—so price differences are meaningful and you don’t accidentally downgrade protection just to save a few dollars.
Use the quote tool to compare multiple carriers and see side-by-side pricing. The best results come when you enter accurate information: garaging ZIP, rider experience, bike details (VIN if available), and how you actually use the motorcycle (commute, weekend touring, seasonal riding).
Tip: When you see a “cheaper” quote, check whether the carrier lowered UM/UIM, raised deductibles, or reduced CPE/gear benefits. Those changes create false savings.
This table is your comparison checklist. Mirror these settings across carriers so pricing differences are real.
| Coverage | Why it matters | Typical settings | Comparison tip |
|---|---|---|---|
| Liability (BI/PD) | Pays injuries and property damage you cause; protects assets and future income. | Above minimums; choose limits aligned to your exposure. | Keep the same BI/PD limits across quotes—don’t let a quote “win” by lowering limits. |
| UM/UIM | Protects you if the other driver has no coverage or low limits. | Often set to match your liability limits. | Match UM/UIM across carriers; confirm stacked vs non-stacked rules where applicable. |
| Medical Payments | Helps with medical bills regardless of fault (policy-specific). | $1,000–$10,000+ (varies by state/carrier). | Coordinate with your health plan deductible—choose a level that fits your risk tolerance. |
| Comprehensive | Theft, vandalism, weather, animals (like deer), falling objects. | $250–$1,000 deductible is common. | Confirm anti-theft credits and garaging address assumptions (garage vs street). |
| Collision | Repairs your bike after a crash (subject to deductible). | Deductible aligned to your repair budget. | Ask how parts are handled (OEM vs aftermarket) and whether labor rates are constrained. |
| Custom Parts & Equipment (CPE) | Aftermarket exhaust, bars, luggage, protection parts, electronics. | Base amounts may be included; increase limits for builds. | Document upgrades with photos/receipts; verify whether CPE is replacement cost or subject to depreciation. |
| Riding gear | Helmet, jacket, gloves, boots, armor, comms. | Per-item or aggregate limits; varies widely. | Confirm whether gear is covered for theft only or also covered losses while riding. |
| Roadside & trip interruption | Towing, jumpstarts, lodging/meals after breakdown (policy-specific). | Mileage caps and per-incident limits apply. | Verify towing radius and what triggers trip interruption (breakdown vs collision only). |
Carriers file differently by state and rider profile. Use this to shortlist, then verify with quotes.
| Carrier type | Program strengths | May fit best for | What to confirm |
|---|---|---|---|
| National multi-line | Bundling with auto/home, broad discount sets, digital tools. | Households bundling multiple policies. | Bundle math, UM/UIM structure, parts policies, claim repair workflow. |
| Budget-focused | Competitive base rates for many profiles. | Value seekers and commuters. | Gear/CPE limits, roadside caps, underwriting for storage and annual mileage. |
| Specialty & classic | Agreed/stated value options, classic/custom expertise. | Custom builds, classics, seasonal storage riders. | Usage limits, storage requirements, documentation needed for value. |
| Regional carriers | Local repair relationships and niche appetites. | Riders who prioritize local shop relationships. | Repair network rules, parts availability policies, claim timelines. |
We verify eligibility and show the net impact before you switch.
| Discount / program | What it is | Who it helps | What to confirm |
|---|---|---|---|
| Rider training | MSF or advanced skills course credits. | New and returning riders. | Certificate type, timing, and whether refresher courses qualify. |
| Multi-policy & multi-bike | Bundling with auto/home or insuring multiple bikes. | Households and riders with multiple motorcycles. | Whether the bundle is stronger with one carrier or split across carriers. |
| Anti-theft & storage | Alarms, trackers, locked garage, immobilizers. | Urban riders and higher-value bikes. | Proof requirements and whether “garage” means enclosed/locked vs covered parking. |
| Low-mileage / telematics | Programs tied to mileage or riding behavior (varies by carrier/state). | Weekend riders and short-commute riders. | Data permissions, program duration, and whether the program can reduce or remove discounts. |
| Payment & paperless | Pay-in-full, autopay, e-docs. | Anyone reducing service fees and missed payments. | Fee schedule vs discount value (what you save net). |
Motorcycle coverage should match how you ride and what you’ve invested in the bike. Use these profiles to guide setup before you quote:
Start with higher liability and matching UM/UIM, then choose deductibles that won’t derail your budget after a minor crash. If the bike is your primary transportation, roadside and rental/transportation options matter more than most riders expect.
Focus on trip interruption and towing mileage caps, luggage CPE limits, and realistic comprehensive coverage for theft/weather while traveling. If you park overnight on trips, confirm theft coverage assumptions and claim documentation requirements.
Ask about off-pavement and “organized event” exclusions. Protection parts can exceed base CPE quickly—set CPE high enough to protect your build. Verify roadside towing suitability for remote routes.
Consider stated/agreed value approaches where available, elevate CPE limits, and keep photos and receipts. Storage requirements matter for classics; confirm usage limits and how the carrier defines “seasonal” or “pleasure use.”
We help riders nationwide and coordinate directly with lenders and repair shops when needed. Use this table as a planning guide for common local considerations, then confirm details on your quote.
| Region | Common needs | What to confirm |
|---|---|---|
| West & Southwest | Long-distance touring, heat exposure, monsoon/wind events. | Trip interruption caps, towing radius, comprehensive deductible comfort. |
| Mountain & Plains | Seasonal storage, wildlife impacts, variable road conditions. | Lay-up options, comprehensive coverage for animals, storage definitions. |
| Midwest | Theft prevention in metro areas, short riding seasons. | Anti-theft credits, indoor storage proof, lay-up endorsements. |
| Northeast | Urban parking risks, commuter exposure. | Roadside mileage caps, parts policies, UM/UIM structure. |
| Southeast & Gulf | Year-round riding, storm season planning. | Water/wind exclusions, towing availability, claim workflow. |
Start with strong liability and matching UM/UIM where available, then add comprehensive and collision if you want protection for theft, weather, and crash damage. Riders who invest in upgrades should add enough CPE and gear coverage to reflect real replacement cost.
Bundle policies, complete rider training, add anti-theft devices, choose a deductible you can actually afford, and consider low-mileage programs if you ride mainly on weekends. The key is lowering cost while keeping liability and UM/UIM strong.
Many policies include only a small base amount for custom parts. If you have exhaust, luggage, protection parts, or electronics, raise CPE and keep photos/receipts so a claim doesn’t turn into a negotiation.
Often excluded under “organized event” language. If you attend track instruction days or competitive events, ask before you enroll and explore specialty options that fit your use.
Compare quotes at the same liability and UM/UIM limits and the same deductibles. Then verify CPE, gear, and roadside caps. That’s how you avoid false savings and pick the best value.
Independent agency: Blake Insurance Group LLC is an independent agency.
Licensing: Licensed insurance producer (NPR/NPN 16944666). Availability, underwriting, discounts, and policy terms vary by insurer and state. Your issued policy governs coverages, limitations, and exclusions.
Brand ownership: Trademarks and carrier names belong to their respective owners and are used for identification and comparison only.
