Progressive Motorcycle Insurance Review [2024]

It doesn’t matter if you have a moped, scooter, dirt bike, sportbike, cruiser, trike, autocycle, Enduro, ATV, or even UTV or custom bike, Progressive offers a wide range of motorcycle insurance coverages and discounts for customized protection.

Progressive motorcycle insurance has been in the game for over 35 years, and it insures 99% of all motorcyclists with a long list of covered bikes that rival other insurers. Read our Progressive insurance review to learn more, and keep scrolling for a closer look at Progressive’s motorcycle insurance program.

Progressive Motorcycle Insurance Coverage Options

Progressive offers liability and full coverage motorcycle insurance, similar to the common types of car insurance you’d buy for an automobile:

• Bodily injury and property damage liability coverage
• Comprehensive insurance
• Collision insurance
• Uninsured and underinsured motorist coverage (UM/UIM)
• Medical payment coverage (MedPay)
• Personal injury protection (PIP)

Of course, determining what coverage you need will depend on where you live, how often you ride, and the kind of bike you own.

Progressive Motorcycle Insurance Extras

But Progressive provides unique coverages for free that are automatically included with every motorcycle insurance policy:

• Full replacement cost and no depreciation
• Accessories and custom parts/equipment coverage
• Small accident forgiveness (up to $500)
• Large accident forgiveness (after four years accident-free)
• OEM parts when the bike is repaired

There are also Progressive motorcycle insurance add-ons to choose from that will raise your rates but offer better coverage, especially for riders with brand-new motorcycles:

• Total loss coverage
• Carried contents (personal belongings like phones, gear, etc.)
• Roadside assistance and trip interruption
• Enhanced injury protection (pay up to $250 each week for 2 straight years)
• Disappearing deductible (25% off your deductible each policy period you don’t have a claim, down to $0)

Be sure to inquire about Guest Passenger Liability laws in your state. Liability coverage is a good idea if you carry passengers on the bike with you.

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Progressive Motorcycle Insurance Costs

How much is motorcycle insurance? Progressive’s rates average at $75/yr for minimum coverage. Your rates will increase if you buy full coverage or any of the add-ons available.

Fortunately, Progressive offers plenty of discounts on motorcycle coverage so safe riders can get better rates.

Progressive Motorcycle Insurance Discounts

The discounts listed below are exclusive to the motorcycle insurance program. Progressive offers several additional discounts as part of their overall premium rating structure.:

• Quote in advance: You could get a discount if you quote at least one day before your actual policy starts.
• Multi-policy discount: If your home, car, boat or RV are insured with Progressive, you could save on your motorcycle insurance if you bundle it with another insurance product.
• Homeowner: Premiums all have to do with previous claims. Apparently, individuals who own homes file fewer claims. You’ll get additional savings on your motorcycle insurance even if your home is not insured by Progressive.
• LoJack®: If the bike gets stolen and there is a guarantee from LoJack® the bike will be found, you can expect to pay less. Note: This discount only applies if you purchase comprehensive coverage, which would relate to a theft.
• Paid In Full: Insurance companies save money when they don’t have to bill you regularly…and with this discount, a part of those savings are passed on to you.
• Prompt Payer: Pay your insurance premium on time for one year and they’ll make it worth your while with a discount.
• Responsible Driver: Clean motor vehicle record and C.L.U.E. report? Discount! Progressive will reward you if you’ve had no accidents or violations.
• Automatic payment: Once you request a quote, sign up for automatic bill pay to immediately reduce your rates.
• Safety Course: You may earn a discount for completing an approved motorcycle safety course.
• Experienced Rider: The longer you ride (safely), the higher the potential discount.

Progressive Motorcycle Insurance Claims Process

Ease of Filing a Claim

Progressive offers a convenient and user-friendly claims filing process for motorcycle insurance. Customers can file a claim through multiple channels, including online, over the phone, or via their mobile app. This flexibility ensures that policyholders can choose the method that suits them best and expedites the claims process.

Average Claim Processing Time

The average claim processing time with Progressive motorcycle insurance is efficient and aimed at providing timely assistance to policyholders. The company understands the importance of a quick claims resolution process, ensuring that customers can get back on the road as soon as possible.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on Progressive’s claim resolutions and payouts has been generally positive. Policyholders appreciate the smooth and hassle-free claims process, as well as the fair and satisfactory resolutions provided by the company. This positive feedback speaks to the effectiveness of Progressive’s claims handling and commitment to customer satisfaction.

Read more: Progressive Insurance Concierge Claims Service

Mobile App Features and Functionality

Progressive offers a comprehensive mobile app that caters to motorcycle insurance policyholders. The app provides a range of features and functionalities, including policy management, claims filing, bill payments, and access to essential policy documents. It ensures policyholders have easy access to their insurance information and can manage their policies conveniently on the go.

Online Account Management Capabilities

Progressive’s online platform offers robust account management capabilities for motorcycle insurance policyholders. Policyholders can log in to their accounts to view policy details, make updates, manage payments, and track claims. The intuitive online interface provides a seamless experience for managing policies and accessing important information.

Digital Tools and Resources

Progressive provides policyholders with a variety of digital tools and resources to enhance their insurance experience. These resources may include educational materials, safety tips, coverage calculators, and FAQs.

The availability of these digital tools helps policyholders make informed decisions, understand their coverage better, and stay updated with the latest in motorcycle insurance.

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Bottom Line on Progressive Motorcycle Insurance

Progressive is the most popular company for motorcycle insurance, and it’s no surprise why. The company offers competitive rates and exclusive policy perks other insurers don’t have, including custom parts coverage and free accident forgiveness.

But before you buy Progressive motorcycle insurance, take advantage of our comparison tool above to get free motorcycle insurance quotes from multiple companies. You may find cheap motorcycle insurance with better rates from a local company.

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