Geico Motorcycle Insurance

Geico was founded in 1936 and is now the third-largest auto insurance provider in the country. Geico motorcycle insurance is available in all 50 states and covers everything from sports models to touring bikes. Geico can also cover scooters, mopeds and ATVs. With Geico’s established reputation and generally hassle-free service, its coverage provides both freedom and safety while out on the highway.

We rated Geico motorcycle insurance a 9.3 out of 10.0 stars for its great balance of coverage, low-cost policies, and great customer service. They also have a great selection of discounts and getting a quote is easy online through their website. This earned it the top spot in our review of the best motorcycle insurance companies in the United States.

Geico Motorcycle Insurance Pros and Cons

Geico Motorcycle Insurance Rating

Below we’ve summarized our rating of Geico motorcycle insurance in our four core areas of reputation, coverage, cost, and customer experience:

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

Geico motorcycle insurance costs tend to sit on the lower end of the spectrum at around $715 per year for full coverage on average. It’s hard to beat Geico’s cheap motorcycle insurance quotes. While the company’s rates are still impressive, you may be able to find cheaper insurance premiums elsewhere.

Geico Motorcycle Insurance Quotes

Below you can compare sample Geico motorcycle insurance quotes for both full and minimum coverage:

Geico Motorcycle Insurance Discounts

While Geico is known to be among the industry’s cheapest options, it’s still worth checking out additional ways to save. With Geico motorcycle insurance, you can get discounts for:

• Switching coverage from another company (10%)
• Insuring more than one motorcycle (10%)
• Being a mature rider (10%)
• Renewing your policy (10%)
• Completing a Motorcycle Safety Foundation (MSF) or military safety course  (10%)
• Being a MSF instructor  (20%)

Motorcyclists can expect lower monthly or annual installments by bundling Geico homeowners and auto with motorcycle insurance. It can be more convenient to have a single insurance payment plan, and it’ll help you save money.

Geico Motorcycle Insurance Quote: What Affects Your Rates?

Whether you choose Geico motorcycle insurance or go with another provider, certain factors affect how much you’ll pay. Some of the most significant factors include:

• Age: Drivers under the age of 25 will likely pay steeper insurance rates.
• Gender: Men generally pay more than women for motorcycle insurance.
• Experience: The longer you’ve been on the road, the lower your rate will likely be.
• Driving history: You’ll generally pay less for motorcycle insurance if you don’t have road violations or accidents on your record.
• Credit score: Higher credit scores usually lead to lower insurance premiums.
• State of residence: Demanding minimum coverage standards can lead to higher rates.
• Winter weather conditions: Harsh winter weather leads to reduced usage and lower prices than motorcycle insurance in California, Florida and other typically warm states.
• Type of motorcycle: Sport bikes cost the most to insure and touring bikes cost the least. Expect dirt bikes and trikes to have different rates, as they’re separate models.
• Specific model factors: A model’s price tag, engine size, safety standards, crash rate and theft and vandalism rates all influence what you’ll pay.
• Type of use: Recreational use will generally be cheaper than daily use.
• Deductible amount: The lower your deductible, the higher your premium will be.

How To Save On Geico Motorcycle Insurance

There are a few common-sense strategies you can use to keep motorcycle insurance coverage costs down. Driving safely and wearing protective gear at all times are two of the simplest ways to save on motorcycle coverage. Of course, avoiding speeding tickets is essential if you want to keep insurance costs low as a rider.

From minimum coverage to protection for bike helmets and seats, Geico motorcycle insurance can meet the needs of many types of riders.

While Geico motorcycle insurance can tend to all your basic needs out on the road, other providers offer a more expansive array of additional coverage options. If you’re hoping to protect every aspect of your motorcycle, it might be best to check out other providers.

Source: Geico

We rate Geico 9.3 out of 10.0 and give it our Editor’s Choice award for motorcycle insurance. Geico consistently quotes some of the industry’s cheapest motorcycle insurance rates while offering good coverage and superb financial health. Geico may not receive the greatest reviews, but policyholders can receive a range of quality motorcycle insurance services from the provider.

Geico Motorcycle Insurance Competitors

Geico motorcycle insurance is a smart choice for many bikers, but it’s far from the market’s only option. We recommend that motorcyclists get quotes from multiple insurance providers to compare prices and coverage before landing on a final choice.

Progressive: Most Comprehensive Coverage

If you’re looking for complete motorcycle coverage, check Progressive out. Whether you’re hoping to protect personal belongings or looking for long-term medical payments after a motorcycle accident, Progressive motorcycle insurance offers quality coverage options that can take care of many drivers’ needs.

State Farm: Top Choice For Local Service

State Farm offers personalized motorcycle insurance products that are hard to find elsewhere. Because it has such a broad network of local agents, State Farm can easily modify coverage to match each customer’s needs. While it’s nice to have localized coverage, be aware that this means you won’t find instant quotes online.

Below are some frequently asked questions about Geico motorcycle insurance:

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best motorcycle insurance companies. We collected data on dozens of motorcycle insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Motorcycle insurance quotes obtained through secret shopping and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer Experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings. We also considered the responsiveness, friendliness and helpfulness of each motorcycle insurance company’s customer service team based on our own shopper analysis.

*Data accurate at time of publication.