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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 14, 2021

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Things to Remember

  • 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?

Average Motorcycle Insurance Rates by State
StateMonthly Motorcycle Insurance RatesAnnual Motorcycle Insurance Rates
Alabama$64$762
Alaska$45$540
Arizona$78$935
Arkansas$64$766
California$113$1,360
Colorado$50$602
Connecticut$56$668
Delaware$62$742
Florida$76$911
Georgia$74$883
Hawaii$45$540
Idaho$62$739
Illinois$56$677
Indiana$50$606
Iowa$34$414
Kansas$43$516
Kentucky$60$716
Louisiana$98$1,175
Maine$41$492
Maryland$67$801
Massachusetts$54$649
Michigan$90$1,083
Minnesota$49$592
Mississippi$56$677
Missouri$78$934
Montana$44$532
Nebraska$39$469
Nevada$54$644
New Hampshire$50$601
New Jersey$51$610
New Mexico$63$752
New York$81$969
North Carolina$64$763
North Dakota$32$382
Ohio$48$575
Oklahoma$59$708
Oregon$54$652
Pennsylvania$55$661
Rhode Island$74$889
South Carolina$65$781
South Dakota$39$472
Tennessee$68$820
Texas$60$723
Utah$66$794
Vermont$43$515
Virginia$59$703
Washington$57$688
West Virginia$54$653
Wisconsin$42$501
Wyoming$37$439
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As you can see, motorcycle coverage is in and of itself expensive. Why is this? Like with all things, insurance companies are about risk.

Car vs. Motorcycle Fatality Rates
Fatality Rate, 2017MotorcyclesPassenger cars
Per 100,000 registered vehicles59.3410.05
Per 100 million vehicle miles traveled25.670.94
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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.

Examples of Progressive Auto Insurance Discounts Offered
Discount NameAverage DiscountDetails
Automatic PaymentVariesIf you set up automatic payments from a checking account to pay (you cannot combine the automatic payment and pay in full discounts)
Continuous InsuranceVariesIf 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 StudentVariesIf 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 VariesIf 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 FullVariesIf 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$130Their Snapshot program that personalizes your rate based on your driving.
Teen DriverVariesIf you're adding a teen driver to your policy
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As you can see, Progressive does have a multi-policy discount. However, it’s a mere five percent.

Nationwide Discounts
Vehicle Discounts Customer DiscountsDriver Discounts
Adaptive Cruise ControlAdvanced Quote
(up to 5% if 8 days early)
Accident Free
(must be 21 or older)
Adaptive Headlights"Easy Pay"
(one-time discount)
Affinity Program
(group memberships)
Anti-Lock BrakesFinancial Stability
(good credit)
Claim Free
Anti-TheftFurther EducationDefensive Driver
(save up to 10% for 55+)
Daytime Running LightsGood Student
(up to 15% for B avg min)
Distant Student
Electronic Stability ControlMarriedFamily Plan
Forward Collision WarningMulti-Policy
(save up to 20%)
Farm Bureau
(up to 10%)
Lane Departure WarningOccupation Discount
(only in CA)
Low Mileage
(under 10,000 only in CA)
Newer Vehicle
(save up to 16% if under 6 yrs old)
Paperless DocumentsMulti-Vehicles
Passive Restraint
(up to 30% off medical payments)
Persistency Discount
(up to 10% at 5 yrs)
"On Your Side" Review
Vehicle RecoveryStable Residence
(must be homeowner)
Safe Driver
(5 yrs minimum)
VIN EtchingVanishing Deductible
(save up to $500)
SmartRide
(save up to 40%)
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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.

A.M. Best Ratings for Auto Insurance Companies
Insurance CompaniesA.M. Best Rating
Allstate InsuranceA+
Auto Club EnterprisesA-
Berkshire HathawayA++
CSAA InsuranceA
Farmers InsuranceA
Liberty MutualA
Mercury GeneralA+
ProgressiveA+
State FarmA++
United ServicesA++
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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.

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