Progressive opened its doors to customers in 1937 under the direction of Joseph Lewis and Jack Green. Though it has been in business for over 70 years now, the goal to provide solid insurance policies to customers in a variety of industries remains the same. Progressive offers much more than motorcycle insurance. Some of the other industries that it covers include Auto, Business, Health, Homeowners, Life, Pet, and many more.

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The Good

  • Competitive Rates
  • Discounts
  • Coverages

Competitive Rates

Since starting to offer motorcycle insurance, Progressive has sought to provide competitive rates and many ways to save. These rates are in part responsible for the fact that one in three insured motorcycle riders use Progressive. Policies start at $75 per year and discounts apply automatically depending on your policy and plan.


Progressive offers a number of discounts to those that choose to use its services. These discounts include the following:

  • Multi-policy — if you have auto, home, renters, condo, car, boat, or RV insurance
  • Responsible Driver — If you have had no accidents or motor vehicle violations for the past three years
  • Pay on Time — you get a discount with your first policy and on every renewal as long as all payments are made on time
  • Pay in Full — if you pay it all at once
  • Homeowner — If you have a home, mobile home, or condominium
  • Quote in Advance — if you get a quote at least one day before your actual policy starts
  • Association Member — if you are a member of the Harley Owners Group or United Services Automobile Association (USAA)
  • Motorcycle Endorsement — if you have a valid motorcycle license or add a motorcycle endorsement to your drivers license
  • Safety Course — complete an approved motorcycle, ATV, or snowmobile safety course
  • Switch or Transfer Company — switching from a competitor can get you a discount
  • Automatic Bill-Pay — if you sign up for automatic bill pay


Progressive considers itself to be the number one motorcycle insurer in the country and offers proof in the protection provided. The following list shows a number of coverage options that can be added to motorcycle insurance policy plans:

  • Standard features in all policies
  • Full replacement cost and no depreciation
  • Accessories and custom parts/equipment
  • GEM parts

Standard motorcycle coverage

  • Bodily injury and property damage liability
  • Uninsured/underinsured motorist
  • Comprehensive and collision
  • Medical Payments

Optional extra coverage

  • Total loss coverage for a new motorcycle
  • Roadside assistance and trip interruption
  • Carried contents
  • Disappearing deductible
  • Enhanced injury protection

The Bad

  • Claims
  • Increased Rates
  • Towing


One of the most important parts of having motorcycle insurance is the ability to make claims when or if something goes wrong. Some customers have complained that when they have started this process they have been asked to do some of the tasks that adjusters or local bike shops should. Some have been asked to take pictures and take pieces of the bike apart to see how extensive the damage is.

Increased Rates

When you set up your motorcycle insurance policy with Progressive, it will establish a rate for your payment. A number of customers have started policies with this initial rate, but within a short time received notice that their rate had been increased due to credit history or other varying circumstances. These changes were not discussed in the original meeting with an agent causing frustration and lack of understanding. Transparency regarding possible changes to rates would be helpful.


Though Progressive offers towing as part of its 24/7 roadside assistance, it only provides a 15-mile radius. That means that from wherever you are stranded, if you need to be towed, Progressive will only pay if the shop where you would like to take the bike is within 15 miles of your location. If you travel a lot and feel that you may be on the road for long periods of time, it may be advantageous to find a company that will provide services with a larger towing radius.

The Bottom Line

Progressive is used by one in three motorists with insured motorcycles across the United States. If you are looking for a trusted company that will have your back in a variety of circumstances, you are in the right place. If you know that you will be traveling a lot and may need to be towed, just remember that you will need to pay if the closest auto shop is more than 15 miles away. Overall, we recommend getting a quote from Progressive to see if it can meet your needs.

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Sarah Russie

January 6th, 2020 Clearfield, UT DETAILS arrow_drop_down
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.

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