Progressive Motorcycle Insurance: Prices and Coverage (2023)

If you’ve got a new motorcycle, you’re probably excited to try your bike out on the open road. Anything can happen on the highway, though, so you want to make sure you’re covered. Can Progressive motorcycle insurance offer the protection you need?

We at the Guides Auto Team have reviewed the best motorcycle insurance companies on the market, and we give Progressive motorcycle insurance a score of 9.0 out of 10.0. The company offers affordable pricing and numerous coverage options — and Progressive states that nearly one in three insured riders choose its motorcycle coverage.

Key Takeaways:

• Progressive costs range from $120 per year to $700 per year or more depending on your motorcycle, location and type of coverage.
• The company offers many discounts including safety course, responsible driver and association discounts.
• Progressive offers the widest coverage selection for motorcycle riders of any major company.

Since its founding in 1937, Progressive has grown to become the third-largest auto insurance company in the United States. The insurer is known for its willingness to take on customers who are considered high-risk by many other insurance companies.

Progressive motorcycle insurance is available in all 50 states and includes a broad range of coverage choices. The company’s industry experience has helped it to become one of the top options for insured motorcyclists across the U.S. Progressive can cover many types of bikes and alternative vehicles, including:

• Sport bikes
• Dirt bikes
• Cruisers
• Custom bikes
• Vintage bikes
• Touring bikes
• ATVs and UTVs
• Scooters and mopeds

While Progressive doesn’t get positive reviews, that’s fairly standard across the insurance industry. The company has a nearly 1.1-star average BBB rating out of 5.0 stars from over 800 customer reviews.

The company has a review score of 1.2 out of 5.0 stars from Trustpilot, while customers on Google think Progressive deserves 2.8 out of 5.0 stars. These averages may seem low, but many reputable insurance providers have similar customer review scores.

Progressive maintains a solid A+ rating for financial strength from AM Best, so the provider is unlikely to face issues paying out accident claims. It also has an A+ rating from the Better Business Bureau (BBB).

Our team reached out to Progressive for a comment on its negative review scores but did not receive a response.

Progressive Motorcycle Insurance: 9.0 Out of 10.0

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

Progressive Motorcycle Insurance Pros and Cons

One of the main reasons Progressive motorcycle insurance dominates the industry is its competitive average premiums. We received quotes from Progressive to give you an idea of how much motorcycle insurance is for most riders.

These quotes are for a 35-year-old motorcycle driver in Raleigh, N.C. It assumes that the owner has good credit and a clean driving record.

Regardless of whether you choose Progressive motorcycle insurance, certain factors affect bikers’ average rates. Some of the most common can be found below:

• Age: Drivers less than 25 years old can expect steep insurance rates.
• Gender: Women generally pay less than men for bike insurance.
• Experience: The more years you’ve been on the road, the less your premium will likely be.
• Driving history: If you’ve gone without road violations or accidents on your record, you’ll typically pay less for coverage.
• Credit score: Higher credit scores are rewarded with lower rates.
• State of residence: Minimum–coverage requirements influence how much you pay.
• Winter weather conditions: Harsher winters lead to reduced usage and lower prices than for motorcycle insurance in California, Florida and other relatively warm locales.
• Type of motorcycle: Sport bikes generally 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 value, safety features, crash rate, theft rate and engine size all play sizable roles in your insurance price.
• Type of use: Recreational use will typically cost less than daily use.
• Deductible amount: The lower your deductible, the more your premium will usually be.

While rates vary greatly depending on the driver, Progressive motorcycle insurance tends to be reasonably priced for most riders.

Progressive Motorcycle Insurance Discounts

Make sure you’re aware of the discounts offered with Progressive motorcycle insurance before buying coverage. Some of the most common discounts include:

• Quote in advance discount
• Multi-policy/bundling discount
• Association member discount (for members of the Harley Owners Group or USAA)
• Motorcycle license endorsement discount
• Motorcycle safety course discount
• Switch from another company discount
• Responsible driver discount
• Pay in full discount
• Pay on time discount
• Automatic bill-pay discount

Progressive is also known for its accident forgiveness program. Your premiums won’t increase after an accident if your total insurance claim is less than $500 or if you’ve been accident-free for at least three years and a Progressive customer for at least four.

When you purchase Progressive motorcycle insurance, you can expect to find all standard coverage options as well as a range of add-on choices.

Coverage for custom parts and original equipment manufacturer (OEM) parts is included up to a certain amount with your Progressive motorcycle insurance policy if you purchase collision and comprehensive coverage, though you can purchase additional coverage as well. If you’re unsure if you need any of the coverages listed above, get a motorcycle insurance quote to see what best fits your needs.

Our team reached out to Progressive for a comment on its negative review scores but did not receive a response.

We give Progressive 9.0 out of 10.0 and recognize it for having the Most Comprehensive Coverage. Progressive offers a variety of motorcycle coverage options, nationwide plans and generally affordable pricing. 

Progressive Motorcycle Insurance Competitors

While Progressive motorcycle insurance can be a smart choice to protect your bike, it’s far from your only option. It’s always best to get a quote from multiple providers to see which insurance products and pricing options work best for you.

Geico: 9.3 Out of 10.0

Our team gives Geico a score of 9.3 due to competitive average rates, an outstanding industry reputation and an A++ rating for financial strength from AM Best. Bikers are also drawn to Geico motorcycle insurance for the company’s A+ rating from the BBB. In our experts’ review of the best motorcycle insurance companies, Geico earned our Editor’s Choice award.

Source: Geico

State Farm: 8.8 Out of 10.0

State Farm provides the industry’s top local services because of its wide network of regional agents. It’s easy to find an affordable motorcycle insurance policy tailored to your needs with State Farm since you’ll be working with representatives in your area. However, you can’t get online quotes from State Farm, so you’ll have to contact a local agent to get started.

FAQ: Progressive Motorcycle Insurance

Our Methodology

Because consumers rely on us to provide objective and accurate information, the Guides Auto Team 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 (20% of total score): Motorcycle insurance quotes obtained through secret shopping and discount opportunities were both taken into consideration.
• Coverage (20% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation (20% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability (20% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer Experience (20% of total score): 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.