While nothing beats the freedom of riding a motorcycle on the open road, sometimes you also need a car to get around. The good news is you can bundle auto and motorcycle insurance with many companies and get discounts on your coverage. We at the Guides Auto team will show you the best motorcycle insurance companies that also offer car insurance with bundling discounts.
Best Auto and Motorcycle Insurance Bundling Discounts
We’ve compared the best auto and motorcycle insurance companies on reputation, coverage, cost and customer experience. Our top picks for bundling coverage are Geico, Progressive, Liberty Mutual, Nationwide and American Family Insurance.
Geico offers a discount of up to 5% for bundling your auto and motorcycle insurance coverage together. That might not sound like the biggest discount, but our team found Geico’s auto insurance rates to be about 24% cheaper than the national average. When you start with cheap rates, any discount makes it better.
With Geico motorcycle insurance and all companies on our list, you can get all the standard coverage options, including these:
Geico also offers extras such as accessories coverage, which can protect things like:
- Non-stock sidecars
- Seats and saddlebags
- Electronic equipment
- Trike conversion kits
Progressive motorcycle insurance policies come standard with full replacement cost, custom equipment coverage and OEM parts coverage. For car insurance, Progressive offers plenty of options, like rideshare coverage and custom parts coverage. It also provides a usage-based program called Snapshot that awards discounts based on safe driving.
Progressive stands out for providing a wide range of motorcycle and auto coverage options. With a motorcycle insurance policy, you can purchase the following types of additional coverage:
- Carried Contents: Covers personal belongings like phones, camping equipment and hunting equipment
- Total loss coverage: Pays to replace a bike that’s up to two model years old with a brand-new model
- Enhanced injury protection: Expands death benefits to $25,000 and can pay up to $250 per week for two years if you’re injured and can’t work
Liberty Mutual offers 13 car insurance discounts and advertises three motorcycle insurance discounts, though more may be available depending on your situation. While you can get a car insurance quote online, you’ll have to call Liberty Mutual for an auto and motorcycle bundling quote.
Liberty Mutual’s motorcycle insurance policies come with new bike replacement, but you can also upgrade to Better Bike Replacement. This gives you more than the cash value of your bike if it’s totaled in an accident. And for auto insurance, Liberty Mutual offers optional coverage like original parts replacement, roadside assistance and rental car reimbursement.
Nationwide is another reliable car insurance company that offers bundling discounts that apply to motorcycle insurance. However, you’ll need to get in touch with the company to see what you could save.
As far as coverage options go, Nationwide offers plenty for both auto and motorcycle insurance. On the auto side, accident forgiveness is a helpful upgrade that keeps your rate the same after your first minor violation or at-fault accident. And for motorcycle insurance, Nationwide offers custom equipment coverage up to $30,000 to protect your bike’s aftermarket add-ons.
American Family Insurance
Our last pick for the best auto and motorcycle insurance bundles is American Family Insurance. This provider offers a good range of coverage options for both bikes and cars. Plus, you can get a discount for bundling policies together. American Family can cover these types of bikes and more:
- Sport bikes
- Touring bikes
American Family’s motorcycle coverage includes up to $1,000 of safety apparel coverage. This policy pays to replace important safety gear like your helmet and jacket after an accident. And AmFam’s comprehensive and collision insurance automatically cover up to $3,000 worth of customized parts, with higher limits available.
When To Bundle Auto and Motorcycle Insurance
There are two main reasons to bundle auto and motorcycle insurance: to save on insurance premiums and to consolidate insurance policies with one provider.
Bundling discounts range from a few percent to 10% or more. This can definitely help you save on how much motorcycle insurance costs. Depending on the company, you may get a bigger discount on one policy than another. Or you may get the same discount on both. With motorcycle insurance, you have to shop around to see what discounts you can get from different companies.
The other advantage of bundling is that you only have to pay one company for both your auto and motorcycle policies. You can see your premiums on a single bill and deal with the same company whenever you have a question or file a claim.
When Not To Bundle Auto and Motorcycle Insurance
Sometimes, bundling car and motorcycle insurance isn’t the best option. This might be the case if you’re looking for a specific type of motorcycle insurance. For example, you might have a classic ride and want agreed-value coverage instead of market value. Or you might want coverage for your transport trailer as well. Choose the provider based on the kind of coverage you need before looking at multi-policy discounts simply for cheap motorcycle insurance.
How To Bundle Auto and Motorcycle Insurance
Bundling your auto and motorcycle coverage is fairly easy. You can compare quotes online or call companies to find the right coverage.
Compare Auto and Motorcycle Bundling Quotes
To find cheap motorcycle insurance, we recommend comparing at least three quotes when you shop for coverage. Keep in mind that motorcycle insurance is more specialized than car insurance, so you might have to call an insurance company to get a quote instead of using a simple online form.
Consider the Coverage You Need
Once you have a few companies in mind, compare the coverage options each one offers. From touring bikes to choppers, there are many types of motorcycles and even more types of motorcycle owners. Look for the right coverage for your situation. And as we mentioned above, avoid bundling if you can’t find the right coverage.
Avoid a Lapse in Coverage
If you currently have separate coverage on a car and a motorcycle, take care when you switch to a new insurance provider. Overlap coverage on both vehicles for at least a day to avoid a lapse in coverage. If your car or bike goes without coverage for any length of time, you may end up paying more for insurance policies in the future.
Auto and Motorcycle Insurance: Conclusion
Bundling auto and motorcycle insurance is a great way to save money if you can find the coverage you need. Our picks for bundling this coverage are Geico, Progressive, Liberty Mutual, Nationwide and American Family Insurance. Compare quotes to find the best option for you.
Auto and Motorcycle Insurance: FAQ
Here are some frequently asked questions about auto and 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 (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.