What is the best motorcycle insurance for beginners?
What to Look For
As a beginner, you'll want at least liability coverage (required in most states), but also consider comprehensive and collision to protect your bike. Many insurers offer discounts for completing a safety course or being a new rider.
Customer service, claims handling, and financial strength matter more than just the lowest price. Companies like Progressive, Geico, State Farm, and Allstate are common, but local insurers may offer better rates.
- Liability coverage (bodily injury & property damage) – required in most states.
- Collision and comprehensive – covers damage to your bike.
- Uninsured/underinsured motorist – protects you if hit by a driver without insurance.
- Medical payments or personal injury protection – covers your medical bills.
- Roadside assistance – helpful for breakdowns.
How to Save
Take a motorcycle safety course—many insurers give a discount. Bundle your motorcycle with auto or home insurance. Choose a smaller, less powerful bike; insurance for a 250cc beginner bike is often cheaper than for a 1000cc sportbike.
Raise your deductible to lower your premium, but make sure you can afford the out-of-pocket cost if you file a claim. Shop around every year or two; loyalty doesn't always pay.
Common mistakes
- Buying only the state minimum liability—it won't cover your own bike or injuries.
- Not asking about new-rider or safety-course discounts.
- Assuming the cheapest quote is the best; check claim reviews and coverage details.
