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LAST UPDATED: August 27th, 2021

Progressive offers competitive coverage and discounts for many types of motorcycles, including sport bikes, cruisers, and touring motorcycles.

Motorcycle insurance coverage highlights include full replacement cost without depreciation for parts and coverage for accessories.

View Progressive Motorcycle Insurance Reviews

Top Ranked Companies


The Good

  • High Financial Strength Ratings
  • Helpful Policy Features
  • Extra Coverage Available
  • Competitive Discounts

High Financial Strength Ratings

Progressive's high financial strength ratings make it competitive in the industry. These ratings show the likelihood an insurer will be able to pay claims. The top insurance companies are reliable and have high ratings in common.

Helpful Policy Features

Progressive's motorcycle policies include helpful coverage features. For example, if custom or original equipment manufacturer (OEM) parts need to be replaced as part of a claim, they will be replaced with the same custom or OEM part.

You also have $3,000 of coverage for accessories and custom parts. You can opt for more coverage up to $30,000 if you want additional coverage.

Progressive's policies also include full replacement cost and no depreciation for parts.

These helpful policy features make Progressive a competitive choice for motorcycle riders.

You can also add small or large accident forgiveness and a disappearing deductibles feature to your policy. The accident forgiveness features help protect you from future premium increases related to accidents. 

The disappearing deductible feature lowers your deductible for each period you are accident-free. Including this feature in your policy can help save on out-of-pocket costs when you make a claim.

Extra Coverage Available

In addition to the typical coverages (e.g. uninsured/underinsured motorist, liability, medical payments, comprehensive, collision), Progressive offers additional coverage options that you can add to your policy.

These options include the following:

  • Total loss coverage (replaces motorcycle if irreparable)
  • Roadside assistance and trip interruption
  • Carried Contents ® (coverage for personal belongings carried on your bike)
  • Enhanced injury protection (offers maximum $250 weekly benefit for up to two years if injured and unable to work and a $25,000 benefit if you're in a fatal accident)

The enhanced injury protection offers especially valuable coverage since riding a motorcycle carries additional risks.

Competitive Discounts

Progressive offers many ways for motorcyclists to save on premiums through its competitive discounts.

The following discounts are available:

  • Getting a quote in advance
  • Having multiple Progressive insurance policies
  • Membership in an association (Harley Owners Group or USAA)
  • Motorcycle endorsement on drivers license or separate valid motorcycle license)
  • Participating in an approved safety course
  • Good driving record
  • Switching to Progressive
  • Paying in full
  • Paying on-time
  • Using automatic payments

With a large selection of discounts, you're likely to find savings through Progressive.


The Bad

  • Limited Customer Reviews
  • Personal Information Required for Quote

Limited Customer Reviews

Best Company has not received many customer reviews for Progressive motorcycle insurance. 

Although this lack of reviews makes it difficult to make a recommendation, Progressive has received many positive reviews for its car insurance and is a top-ranked company on in that industry.

Personal Information Required for Quote

To get a motorcycle quote from Progressive, you must provide personal information like your name and address. Although this can make the quote process a little longer, these factors play a role in determining your quote.


The Bottom Line

While additional customer insight would be helpful, Progressive is a reliable insurer and its motorcycle insurance policies are competitive. Progressive offers excellent coverage for replacing parts because you can get replacements with the same or greater quality of the damaged ones.

You can also add enhanced coverage for injury that provides a benefit to designated beneficiaries if you're in a fatal accident or a weekly benefit if you're disabled and can't work.

In addition to competitive coverage, you can find a number of discounts through Progressive that help you save on monthly premiums.

Because of Progressive's competitive offerings, its motorcycle insurance is worth exploring further.

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3 Reviews

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Cris Balmanno Riverton, UT

Great coverage for the price. Could be better at arranging tow trucks and making sure the towing company knows it's for a motorcycle and not a car. Twice I've had the tow truck show up that wasn't the flat bed and they had to call for another truck because Progressive didn't tell them it was for a motorcycle.

2 years ago


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Dwhoush New Orleans, LA

Getting the insurance for my motorcycle was easy. I was able to get a quote and pay for the year all in about 5 minutes. The process was so easy.

4 years ago

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Sarah Russie Clearfield, UT

Nice company at first. Always nice customer service, but no matter how low your insurance rates seem to start out, you will have your rates creep up slowly over time and less coverage for the cost. Not the best.

4 years ago