Best Auto Insurance Companies That Offer Auto and Motorcycle Insurance (2021)
Plenty of auto insurance companies offer auto and motorcycle insurance in one place. For instance, GEICO is a major auto insurance provider and you can also buy GEICO motorcycle insurance. The key is to search for companies with a multiple policy discount in order to combine auto and motorcycle insurance at the best price.
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UPDATED: Oct 14, 2021
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- Most auto insurance companies offer both auto and motorcycle insurance
- Motorcycle insurance is usually more expensive because drivers are more likely to have an accident on a motorcycle than in a car
- You are nearly six times more likely to be involved in a fatal accident on a motorcycle than in a car
If you have both an automobile and a motorcycle, you’ll need coverage for both vehicles. We will take you through how to find the best auto insurance companies that offer auto and motorcycle insurance.
We’ll show you which companies offer both coverages and how much you can expect to pay for each type. Then, we’ll wrap up with company ratings. Along the way, we’ll show you how to get a multiple policies discount.
Before diving into finding auto insurance companies that offer auto and motorcycle insurance, type your ZIP code into our free and helpful tool above. With it, you’ll find affordable auto and motorcycle insurance rates.
What are the rates from auto insurance companies that offer auto and motorcycle insurance?
Are there auto insurance companies that don’t offer auto and motorcycle insurance?
Certainly, but most of the more prominent companies do. That includes Progressive motorcycle insurance and Allstate motorcycle insurance.
Before diving into availability, how much can you expect to pay for motorcycle insurance in your state?
|State||Monthly Motorcycle Insurance Rates||Annual Motorcycle Insurance Rates|
As you can see, motorcycle coverage is in and of itself expensive. Why is this? Like with all things, insurance companies are about risk.
|Fatality Rate, 2017||Motorcycles||Passenger cars|
|Per 100,000 registered vehicles||59.34||10.05|
|Per 100 million vehicle miles traveled||25.67||0.94|
So which auto insurance companies offer auto and motorcycle insurance together? There are actually a fair amount, including some big-name providers. We’ve already mentioned some, but Nationwide, USAA, and GEICO are also on the list.
Next, let’s move on to discounts and see if any of these four aforementioned big-name providers offer multi-policy discounts.
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Best Auto Insurance Companies That Offer Auto and Motorcycle Insurance: Discounts
A multiple policy discount is more or less what it sounds like. The insured bundles auto insurance with, say, homeowners insurance. Companies that offer this tend to include motorcycle and auto coverages as options.
|Discount Name||Average Discount||Details|
|Automatic Payment||Varies||If you set up automatic payments from a checking account to pay (you cannot combine the automatic payment and pay in full discounts)|
|Continuous Insurance||Varies||If you switch to Progressive from another insurer, you won't lose any longevity benefits (discount value will depend on how long you've been consistently insured with no gaps or cancellations)|
|Good Student||Varies||If you have a student who maintains a "B" average or better (discount also applies to college students, students more than 100 miles from your residence, or is 22 years or younger)|
|Homeowner||nearly 10%||If you own a home (even if it is not insured through Progressive's network)|
|Multi-Car||10%||If you have more than one vehicle listed on your policy|
|Multi-Policy||5%||If you have two or more policies with Progressive (for example: if you were to have an auto and home-owners policy with Progressive)|
|Online Quote||7%||If you got your policy quote online (or if you start your quote online and a licensed Progressive representative finishes it for you over the phone|
|Paperless||Varies||If you opt to receive your documents via email (dependent on signing your documents online and is an addition to the sign online discount)|
|Pay in Full||Varies||If you pay for your six-month policy up-front|
|Safe Driver||31%||If you have no accidents/traffic violations in the past three years|
|Sign Online||nearly 8%||If you sign your documents online|
|Snapshot Program||$130||Their Snapshot program that personalizes your rate based on your driving.|
|Teen Driver||Varies||If you're adding a teen driver to your policy|
As you can see, Progressive does have a multi-policy discount. However, it’s a mere five percent.
|Vehicle Discounts||Customer Discounts||Driver Discounts|
|Adaptive Cruise Control||Advanced Quote|
(up to 5% if 8 days early)
(must be 21 or older)
|Adaptive Headlights||"Easy Pay"|
|Anti-Lock Brakes||Financial Stability|
|Anti-Theft||Further Education||Defensive Driver
(save up to 10% for 55+)
|Daytime Running Lights||Good Student|
(up to 15% for B avg min)
|Electronic Stability Control||Married||Family Plan|
|Forward Collision Warning||Multi-Policy|
(save up to 20%)
(up to 10%)
|Lane Departure Warning||Occupation Discount|
(only in CA)
(under 10,000 only in CA)
(save up to 16% if under 6 yrs old)
(up to 30% off medical payments)
(up to 10% at 5 yrs)
|"On Your Side" Review|
|Vehicle Recovery||Stable Residence|
(must be homeowner)
(5 yrs minimum)
|VIN Etching||Vanishing Deductible|
(save up to $500)
(save up to 40%)
Nationwide also offers a multi-policy discount. This discount can net the insured upwards of 20% off rates.
Allstate is another company that both offers motorcycle insurance and also has a policy bundling discount.
Next, we’ll see how financially secure these auto insurance companies that offer auto and motorcycle insurance are.
Company Ratings for Companies That Insurance Motorcycles and Cars
A.M. Best is a rating organization that determines the financial security of any given company. From there, it ascribes a rating commensurate with financial strength.
|Insurance Companies||A.M. Best Rating|
|Auto Club Enterprises||A-|
As you can see, both Allstate and Progressive are listed, and both have high ratings. While the highest rating is “A++,” both companies have a favorable rating of “A+.”
In short, you do have options when it comes to procuring both auto and motorcycle insurance. The key is to inquire about the multi-policy discount and whether you can bundle those two coverages.
After doing that, inquire as to what other discounts you can stack on it. As seen in the tables, each insurer offers a plethora of discounts for their insured to utilize.
Now that you’ve finished our look into the best auto insurance companies that offer auto and motorcycle insurance, type your ZIP code into our free and helpful tool below. You’ll find the cheapest rates in your area.