As the second-largest auto insurer in the United States, Geico has become a household name for those looking to insure their automobiles. But how does Geico motorcycle insurance measure up?
Geico offers policies for many types of bikes, with coverage ranging from minimal liability plans to comprehensive full coverage. Find out how to keep your bike protected on the road as we review Geico motorcycle insurance coverage, discount opportunities, and more.
Any time you shop for insurance, we recommend comparing plans from a few different providers so you can be sure you’re getting the best coverage at the best price. Enter your zip code below to get free, personalized quotes from the industry’s best motorcycle insurance companies.
In this article:
- Geico Company Overview
- Geico Motorcycle Insurance Coverage
- How Much Does Geico Motorcycle Insurance Cost?
- Reviews And Ratings For Geico
- Our Take On Geico Motorcycle Insurance: 4.5 Stars
- Top Recommendations For Motorcycle Insurance
Geico Company Overview
Originally founded in 1936 as an insurance provider for government employees, Geico has since expanded to become one of the biggest players in the U.S. insurance market. It is a wholly owned subsidiary of Berkshire Hathaway and an AM Best A++ rated company.
Geico motorcycle insurance is available in all states, with the lowest-cost policies starting at just under $70 a year. With Geico, you can get coverage solely for your motorcycle or bundle with a homeowners, auto, or renters insurance policy.
Geico Motorcycle Insurance Coverage
Geico motorcycle insurance products work similarly to car insurance coverage. Like car insurance, most states require a minimum amount of liability coverage that will pay for the property damage and medical bills of other drivers or riders should you be at fault for an accident. You have the option to purchase more coverage beyond the state minimum.
Here are the standard types of Geico motorcycle insurance you can get, plus a few add-ons.
|Geico Motorcycle Insurance||What It Covers||Is It Required?|
|Bodily injury liability||Medical bills for your passengers and other involved parties if you are at fault for an accident||Required in most states|
|Property damage liability||Property damage you cause if you are at fault for an accident||Required in most states|
|Collision||Repair or replacement of your motorcycle if you are involved in an accident, regardless of fault||Not required by law, but may be required by your lender if you finance your bike|
|Comprehensive||Repair or replacement of your motorcycle if it is stolen, vandalized, or damaged by an act of nature||Not required by law, but may be required by your lender if you finance your bike|
|Medical payments||Medical bills for you and your passengers after an accident, regardless of fault||Required only in Maine and Pennsylvania|
|Uninsured/underinsured motorist coverage||Your medical bills and bike repair costs should you be involved in an accident with an uninsured or underinsured motorist||Required only in some states|
|Accessories coverage||Repair or replacement of damaged accessories like non-stock sidecars, trike conversion kits, seats, saddlebags, and electronics||Not required|
|Helmet coverage||Replacements for expensive helmets||Not required|
Policyholders can also add emergency roadside assistance to their motorcycle insurance policy for a small fee.
How Much Does Geico Motorcycle Insurance Cost?
There is no fixed cost for a Geico motorcycle insurance policy. When we reached out to Geico for sample quotes for different rider profiles and coverage levels, we were offered plans ranging from $60 to just over $4,000 per year.
Premiums vary from rider to rider and depend on the level of coverage you purchase, as well as a number of other factors, including:
- Age: Riders under 25 are likely to receive higher rates.
- Gender: Men typically cost more to insure than women.
- Experience: Experienced riders can find lower rates.
- Driving history: If you have a collision on your driving record, this will impact your Geico motorcycle insurance rates – even if it’s a car accident.
- Credit score: Customers with higher credit scores may be offered lower rates.
- State: State minimum requirements for insurance impact cost, as do your state’s winter conditions. Because motorcycle riding is seasonal, states with harsher winters often offer drivers cheaper coverage.
- Type of motorcycle: Sports bikes are the most costly to insure. Bikes with large engines, like touring motorcycles, are typically more expensive to insure than standard bikes, but cheaper than sports bikes.
- Use: You will pay less to insure a bike used for recreation than for a bike you use for your daily commute.
We reached out to Geico to request a variety of sample quotes. The cost information we collected is outlined in the chart below. Keep in mind that minimum coverage refers to liability only, and full coverage means liability as well as comprehensive and collision policies.
|Type of Rider||Type of Motorcycle||Coverage Level||Geico Motorcycle Insurance Annual Cost|
No accidents or tickets
in the past three years
At fault for an accident
in the past three years
These quotes are cheaper than prices we received from many competitors, but your own Geico motorcycle insurance policy cost may differ from what’s listed above.
Geico offers a variety of discounts that may further lower your rates. Some of the discounts you can get with a Geico motorcycle insurance policy include:
- Multi-policy discount
- Mature rider discount
- Loyalty discount for renewing your policy
- Discount for insuring multiple motorcycles
- Discount for switching from another provider
- Discount for completing a safety course
- Discount for being a current Motorcycle Safety Foundation instructor
- Discount for bundling policies like life, home, renters, or condo insurance
Customers can pay their annual premium all at once, monthly, or in installments. Paying monthly or in installments may increase your premium.
Reviews And Ratings For Geico
Geico has a strong industry reputation. It currently holds an A+ rating from the Better Business Bureau (BBB), where it has received just over 3,000 complaints in the past 3 years. This number of complaints is relatively low considering that Geico administers millions of policies every year.
Customer reviews on the BBB website are mixed. Some customers praise Geico for excellent claims servicing and helpful representatives. Other customers have complained about trouble canceling their policies and rate increases after filing a claim. However, it is common practice across most insurers to increase rates after customers file claims.
Geico has one of the most streamlined claims processes in the industry, scoring above average in every region in the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM.
Our Take On Geico Motorcycle Insurance: 4.5 Stars
Geico motorcycle insurance is an excellent choice for covering your bike. Rates are among the lowest of the companies we have surveyed, and Geico has a strong industry reputation. The company’s A++ financial strength rating from AM Best is impressive, indicating the company has a superior ability to pay claims.
Geico offers the lowest-priced coverage options we’ve seen for minimum protection. It also has good rates for high-risk riders looking for full coverage motorcycle insurance.
Top Recommendations For Motorcycle Insurance
If you’re already a Geico customer, it makes sense to use the same company to insure your motorcycle. Adding Geico motorcycle insurance is simple and can be done online in minutes. However, if you don’t already have an auto policy and are looking for cheap motorcycle insurance, it’s worth comparing Geico insurance quotes with other options.
Read on to find out more about two of our other recommended providers, Progressive and State Farm. You can use the tool below to kick-start your research.
Progressive: 4.5 Stars
Similar to Geico coverage, Progressive motorcycle insurance is available for a wide range of vehicles, including off-road bikes and vintage motorcycles. The company has been in business since 1937 and today administers millions of policies per year. Progressive’s rates are competitive with prices we received from Geico, and there are many types of coverage available, including total loss coverage, enhanced injury protection, and roadside assistance.
State Farm: 4.5 Stars
State Farm motorcycle insurance provides standard protection as well as special policies for sidecars and protective gear. State Farm insurance plans can also include emergency roadside assistance and trip interruption reimbursement. As the largest insurer in the U.S., State Farm is financially strong and has a superior ability to pay claims, as shown by its A++ rating from AM Best. State Farm has been in business for nearly 100 years and has an established national reputation as a top provider of motorcycle insurance.