Progressive vs Geico Motorcycle Insurance – Which is Better?
When it comes to motorcycle insurance, two names stand out in the U.S. market — Progressive Motorcycle Insurance and Geico Motorcycle Insurance. Both companies are industry leaders, offering competitive pricing, wide coverage options, and strong reputations. But the question remains: Which one is better for your riding needs?
In this detailed comparison, Motorcycle Insurance breaks down the differences so you can make an informed decision.
1. Overview of Progressive Motorcycle Insurance
Progressive Motorcycle Insurance is one of the most popular choices for riders. They’re known for custom motorcycle insurance plans that let you tailor coverage to your specific needs. Whether you ride a sports motorcycle, a cruiser, or even a touring motorcycle, Progressive offers specialized options.
Key highlights:
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Flexible Coverage – From motorcycle breakdown insurance to total loss replacement.
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Discounts – Multiple policy discounts, including bundling with auto and motorcycle insurance.
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Custom Add-ons – Coverage for custom parts, paintwork, and accessories.
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Nationwide Availability – Easy to get a motorcycle insurance quote online or through agents.
One of Progressive’s biggest advantages is its wide range of motorcycle insurance companies partnerships, meaning you often get competitive rates even for cheap motorcycle insurance plans.
2. Overview of Geico Motorcycle Insurance
Geico Motorcycle Insurance is another powerhouse in the market, famous for affordable rates and fast claims processing. Their policies are often considered some of the cheapest motorcycle insurance options, especially for safe riders.
Key highlights:
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Low Rates – Often the cheapest motorcycle insurance for new and experienced riders.
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Wide Network – Coverage available almost everywhere — simply search for motorcycle insurance near me and you’ll likely find a Geico option.
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Add-ons – Includes roadside assistance, motorcycle courier insurance, and safety apparel coverage.
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Fast Claims – Geico is known for its smooth and quick claims process.
If you’re looking to minimize motorcycle insurance cost while still getting good protection, Geico is often the go-to choice.
3. Price Comparison – How Much Is Motorcycle Insurance?
The cost of motorcycle insurance varies based on your location, riding history, and motorcycle type. On average:
| Company | Average Annual Premium | Best For |
|---|---|---|
| Progressive | $500 – $1,200 | Custom coverage, high-value motorcycles |
| Geico | $400 – $1,000 | Budget-conscious riders |
While Progressive Motorcycle Insurance may have higher base rates, it offers more custom motorcycle insurance options. Geico Motorcycle Insurance, on the other hand, focuses on affordability, making it one of the best motorcycle insurance choices for cost savings.
4. Coverage Options – Which Is More Flexible?
Both companies offer:
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Liability coverage
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Collision & comprehensive
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Uninsured/underinsured motorist protection
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Motorcycle breakdown insurance
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Motorcycle courier insurance
Progressive shines in customization — if you want coverage for custom paint, chrome, or high-end gear, it’s the winner.
Geico is better for standard riders looking for cheap motorcycle insurance without too many add-ons.
5. Verdict – Which Should You Choose?
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Choose Progressive Motorcycle Insurance if: You have a custom or high-value motorcycle, want tailored coverage, and are willing to pay slightly more for flexibility.
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Choose Geico Motorcycle Insurance if: You want the cheapest motorcycle insurance, ride regularly, and value a smooth claims process.
Ultimately, both are among the best motorcycle insurance providers in the market, and the right choice depends on your budget, motorcycle type, and personal preferences.
FAQs – Progressive vs Geico Motorcycle Insurance
Q1: How much is motorcycle insurance on average?
It ranges from $400 to $1,200 annually, depending on your motorcycle, coverage, and location.
Q2: Which is cheaper — Progressive or Geico?
Geico is usually cheaper, but Progressive offers more custom options.
Q3: Do they offer auto and motorcycle insurance bundles?
Yes, both companies provide bundle discounts.
Q4: Which has better custom motorcycle coverage?
Progressive is better for custom motorcycle insurance needs.
Q5: Are roadside assistance and courier insurance available?
Yes, both offer motorcycle breakdown insurance and motorcycle courier insurance add-ons.
