Progressive Motorcycle Insurance Review

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?

In this article, we will break down Progressive motorcycle insurance costs, coverage and reviews to help determine if you should consider them in your search. We’ll also provide some of our picks for some of the best and cheapest motorcycle insurance providers to get you started.

Key Takeaways

Progressive Motorcycle Insurance Pros and Cons

Relatively affordable policy premiumsAverage customer reviews
Offer many discounts
Strong financial strength
Accept good driver history
Extensive additional coverage options
Strong claim reputation

Why Choose Progressive Motorcycle Insurance?

Since its founding in 1937, Progressive has grown to become the second-largest auto insurance provider 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 bike
  • Dirt bike
  • Cruiser
  • Custom bike
  • Vintage bike
  • Touring bike
  • ATVs and UTVs
  • Scooters and mopeds

Why is Progressive Motorcycle Insurance different from others?

Progressive has been a trusted name in the insurance industry for over 80 years, and they bring their expertise and dedication to their motorcycle insurance policies. With Progressive, you can expect comprehensive coverage, excellent customer service and competitive rates. Here are some key reasons why Progressive Motorcycle Insurance stands out:

Flexible coverage options: Progressive offers a variety of coverage options to suit your needs. Whether you’re looking for basic liability coverage or comprehensive protection, Progressive has both covered.

Customizable Policy: Progressive understands that each rider is unique. Their policies can be tailored to your specific needs, allowing you to add optional coverage such as roadside assistance, medical coverage and more.

Discounts and savings: Progressive rewards safe and responsible riders with various discounts. You can save on your premium by bundling your motorcycle insurance with other progressive policies or by completing a motorcycle safety course.

24/7 Claim Support: Accidents can happen at any time, which is why Progressive offers round-the-clock claim support. Their dedicated team of claims representatives are available to assist you throughout the claims process, ensuring a hassle-free experience.

Progressive motorcycle insurance coverage options

Progressive offers a wide range of coverage options to protect you and your motorcycle against various risks. Let’s take a closer look at some of the coverage options available:

LiabilityLiability coverage covers the costs of others after your accident occurs. Bodily injury liability coverage takes care of medical expenses, while property damage liability covers vehicle repairs.
CollisionCollision coverage pays for parts of your motorcycle that are damaged while you’re on the road.
ComprehensiveComprehensive coverage protects your motorcycle against natural calamities, vandalism and theft.
Medical payments.
Medical PaymentMedical Payment coverage, or MedPay, pays for medical bills for you and your passengers after an accident.
Underinsured/Uninsured MotoristUnderinsured/Uninsured Motorist coverage takes care of the damages of a driver who does not have adequate insurance coverage.
AccessoriesAccessory coverage protects additional motorcycle components that are not covered by comprehensive coverage. These parts include jackets, sidecars and trailers.
Custom Parts/Equipment (CPE)Can be used for CPE coverage upgrade and customization.
Total lossTotal loss coverage starts when your motorcycle is totaled. Progressive coverage will cover the cost of a new model within limits.
Roadside assistanceRoadside assistance will take your motorcycle to a repair shop.
Trip interruptionProgressive will pay up to $500 for food, lodging or transportation if you are away from home while your bike is in the shop.
Carry Content®Portable contents coverage will pay for the replacement cost of personal belongings that are damaged, stolen or lost mid-ride.
Disappearing deductibleFor every claim-free policy period you have, Progressive will take 25% off your deductible at the time of renewal.
Enhanced injury protectionExtended Injury Protection pays $250 per week if you are seriously injured in an accident.

These are some of the coverage options available with Progressive Motorcycle Insurance. By customizing your policy, you can ensure you have the right level of protection for your unique riding needs.

Note: OEM parts, motorcycle accessories and CPE coverage are automatically included with Progressive Motorcycle Insurance policies.

Custom parts and original equipment manufacturer (OEM) parts coverage is included with your Progressive motorcycle insurance policy up to a certain amount if you purchase collision and comprehensive coverage, although you can purchase additional coverage. If you’re not sure if you need any of the coverage listed above, get a motorcycle insurance quote to see which one fits your needs.

Progressive Motorcycle Insurance Review

Progressive Motorcycle Insurance Review

Our motorcycle insurance analysis team reviewed the best motorcycle insurance companies on the market, and they rated Progressive Motorcycle Insurance 9 out of 10. The company offers affordable prices and numerous coverage options — it says nearly one in three insured riders choose its motorcycle coverage.

Progressive maintains a strong A+ financial strength rating from AM Best, so the provider is unlikely to face problems paying accident claims. It also has an A rating from BBB.

While Progressive doesn’t get positive reviews, that’s pretty standard across the insurance industry. The company has an average rating of 1.1 out of 5.0 stars from more than 1,000 customer reviews on the Better Business Bureau (BBB) site.

The company also has a review score of 1.2 out of 5.0 stars from Trustpilot, while Google customers think Progressive deserves 2.6 out of 5.0 stars. These averages may seem low, but many reputable insurance providers have similar customer review scores.

Ratings of Progressive Motorcycle Insurance

Check out and compare the scores and ratings of Progressive Motorcycle Insurance offered by our team below:

Overall rating9.0
Customer Satisfactions7.5
#Our editorial team carefully reviews all aspects of the company and determines the rating.

Read Also: Best car insurance for young drivers

How much does Progressive Motorcycle Insurance cost?

Progressive, one of the main reasons for dominance in the motorcycle insurance industry is its competitive average premium. We’ve included quotes from Progressive to give you an idea of how much motorcycle insurance can cost for most riders.

How to get progressive motorcycle insurance quotes

Getting a quote for Progressive Motorcycle Insurance is quick and easy. You can visit their website or give them a call to speak with a knowledgeable insurance representative. To get an accurate quote, be prepared to provide information about your motorcycle, your riding history and the coverage options you’re interested in. The representative will guide you through the process and help you find the best policy that fits your needs and budget.

Discounts on progressive motorcycle insurance

Make sure you are aware of the discounts offered with Progressive Motorcycle Insurance before purchasing coverage. Some of the most common discounts include:

  • Full payment discount
  • On-time payment discount
  • Quote-in-advance discount
  • Automatic bill-pay discount
  • Company transfer discount
  • Responsible driver discount
  • Multi-policy/bundling discount
  • Association member discount
  • Discount on motorcycle safety courses
  • Discount on motorcycle license approval

Note: Association member discount for Harley Owners Group or USAA members only.

Progressive is also known for its accident amnesty program. Your premiums will not increase after an accident if your total insurance claim is less than $500 or if you have been accident free for at least three years and have been a progressive customer for at least four years.

There’s also Progressive’s Safe and Steady Rider® discount for riders over 45 who have more than three years of accident-free riding experience.

Progressive Motorcycle Insurance Quotes

These quotes are for a 30-35-year-old motorcycle driver in Raleigh, N.C. with good credit and a clean driving record.

Range of MotorcycleType of CoverageAnnual Premium Rate
2016 Harley-Davidson XL1200X Sportster 48Full Coverage$480.50
2016 Harley-Davidson XL1200X Sportster 48Minimum Coverage$122.95
2016 Harley-Davidson FLS Softail SlimFull Coverage$708.20
2016 Harley-Davidson FLS Softail SlimMinimum Coverage$205.03

What is the factor determining the rate of Progressive motorcycle insurance?

If you choose progressive motorcycle insurance, some common factors can affect the average premium rate for bikers.

  • Age: Drivers under the age of 25 can expect the highest insurance rates.
  • Gender: Women generally pay less for motorcycle insurance than men.
  • Experience: The more experience you have with riding a bike on the road, the lower your premium will be.
  • Range of Motorcycle: Sport bikes usually cost the most to insure and touring bikes are the least expensive to insure. Expect different rates for dirt bikes and trikes, as they are different models.
  • Driving history: If you go without a traffic violation or accident on your record, you’ll typically pay less for coverage.
  • Credit Score: Higher credit scores are rewarded with lower rates.
  • Residency status: Minimum-coverage requirements affect how much you pay.
  • Winter weather: Harsh winters in California, Florida and other relatively warm locales tend to reduce usage and lower prices compared to motorcycle insurance.
  • Deductible Amount: The lower your deductible, the higher your premium will usually be.
  • Type of use: Recreational use generally costs less than daily use.
  • Specific brand & model factors: A model’s value, safety features, crash rate, theft rate and engine size all play a big role in your insurance price.

Although rates vary widely depending on the rider, Progressive motorcycle insurance tends to be reasonably priced for most riders.

How to save money on motorcycle insurance

In addition to taking advantage of discounts, you can save money on motorcycle insurance by driving as safely as possible. Avoiding speeding tickets and other violations will go a long way toward keeping your premiums low.

  • Prevent accidents: Be alert and avoid speeding.
  • Minimize injury: Wear protective gear and a helmet that meets the Transportation Safety Standards category.
  • Avoid traffic tickets: obey speed limits and laws about helmets, eye protection and daytime running lights.


Our insurance analytics team gives Progressive a 9 out of 10 and recognizes it as having the most comprehensive coverage. Progressive offers a variety of motorcycle coverage options, nationwide plans, and generally affordable prices.

When it comes to protecting your motorcycle, Progressive Motorcycle Insurance offers comprehensive coverage, flexible options and exceptional customer service. With their range of customizable policies and coverage options, you can ride with peace of mind, knowing you’re financially protected. Don’t wait until it’s too late – get a quote from Progressive today and hit the open road with confidence!


As many insurers rely on us for objective and accurate information, we have developed a comprehensive rating system to create a ranking of the best motorcycle insurance companies. We’ve collected data on several popular motorcycle insurance providers to grade companies on a wide range of ranking factors. The end result was an overall rating for each provider, with insurers at the top of the list earning the most points, Progressive.

We have monitored the following factors for rating:

Cost: Both motorcycle insurance quotes obtained through mystery shopping and discount opportunities were taken into consideration.

Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.

Reputation: Our analysis team considers market share, industry expert ratings and years in business while assigning 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 the volume of complaints reported by the NAIC and customer satisfaction ratings.

We considered the responsiveness, friendliness and helpfulness of each motorcycle insurance company’s customer service team based on our own customer analysis.