Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 22, 2021

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The Truth in a Nutshell

  • Bundling your car and motorcycle insurance can simplify insurance administration and save you money
  • The best car and motorcycle insurance company for you should offer multiple options for insuring your motorcycle, such as lay-up insurance
  • Among the cheapest states for motorcycle insurance are Wyoming, Iowa, and North Dakota
  • The top insurer for motorcycle coverage is Progressive
  • Other top car and motorcycle insurance providers include GEICO, USAA, Nationwide, and Dairyland

If you own both a car and a motorcycle, looking for car insurance can be hard. You may be wondering how much is motorcycle insurance if you can cover your bike under the same policy as your car, and what level of coverage to get.

You may also want to find out what the car insurance companies that offer auto and motorcycle insurance are. Which should you choose, and how do you know what to look for?

If you’ve got questions, this guide is here to give you answers. It will tell you everything you need to know about finding the best companies that offer both car and motorcycle insurance.

Find the best rates on auto and motorcycle insurance today. Enter your ZIP code to compare free quotes from top insurance companies for car and motorcycle insurance.

What companies offer car and motorcycle insurance?

Companies like Dairyland, GEICO, Progressive, and USAA all offer both car and motorcycle insurance.

Progressive is one of the most well-known motorcycle insurers. They claim to insure 99% of all motorcycles. They also offer a number of discounts. Learn more in this Progressive motorcycle insurance review.

However, picking an insurer isn’t always about how big they are.

Only a few insurers offer specific coverage types. These include things like lay-up insurance, for example. So choosing the best car and motorcycle policy for you will depend on the coverage you require.

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Which car and motorcycle company is the best?

Comparing the ratings and reviews of an insurance company is something every smart driver should do.

Independent rating agencies like A.M. Best analyze each insurer’s financial strength and ability to meet its obligations.

What does that mean for you? It means the company is strong enough that if you make a claim, they’ll be able to pay you.

Let’s look at two of the major car and motorcycle insurance companies. Progressive is rated A+ by A.M. Best. This means they have a superior ability to meet ongoing obligations.

On the other hand, GEICO has the highest rating possible, an A++. Both ratings fall under the “Superior” category but GEICO edges out Progressive slightly.

How can I save money by bundling car and motorcycle insurance?

If you’ve got to pay to insure both a car and a motorbike, you’ll want to get the cheapest motorcycle insurance possible. One of the best ways to do that is with a motorcycle and car insurance bundle.

Bundling means combining your insurance needs for different insurance types with the same company. Insurers reward you by giving a multipolicy discount, which can be around 10% if you’re lucky.

Curious about what motorcycle insurance might cost you in your area? Here are the states with the cheapest motorcycle insurance.

Motorcycle Insurance Rates by State
StateAverage Monthly Rate
New Hampshire$50
North Dakota$32
South Dakota$39
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Combining your vehicle and motorcycle insurance coverage is not only efficient, but it can also save you hundreds of dollars each year.

What type of insurance do I need?

Before you decide to buy car and motorcycle insurance, you should know two things: what you’re legally required to have and the optional types of coverage.

Motorcycle Insurance

Liability insurance is required in most states for motorcycle owners. If you cause an accident, liability coverage will compensate other people involved for their injuries or damages.

The minimum amount of liability insurance you must get for your motorcycle is the same as the minimum requirements for car insurance in your state.

Car Insurance

Liability insurance is required for cars as well and will cover property damage if you cause an accident. All states except two (New Hampshire and Virginia) require liability coverage by law.

The specific amount will vary by state, but is usually in the $5,000 to $30,000 range.

For both cars and motorcycles, the state minimums are grossly lacking and will not cover repair costs. You’ll need to get more if you want better coverage and peace of mind.

The best way to find a company that will insure both your car and motorcycle is by getting a rate tailored to your specific situation. Getting a personalized quote will also rule out the car insurance companies that don’t offer auto and motorcycle insurance.

If you’re looking to buy both car and motorcycle insurance, our free tool makes it simple and easy. Enter your ZIP code now and you’ll get affordable car and motorcycle insurance quotes from the best companies in your area.

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Frequently Asked Questions: Car Insurance Companies That Offer Auto and Motorcycle Insurance

If you have questions about car and motorcycle insurance companies, here are the answers to the most frequently asked ones.

#1 – Which motorcycle insurer is the least expensive?

While according to the statistics, Nationwide offers cheap motorbike insurance, budget-conscious riders can also benefit from GEICO’s low-priced motorcycle insurance.

#2 – Should I get my car and motorcycle insurance from different companies?

While it’s entirely possible to pick two different insurers for your car and motorcycle, it’s to your advantage to bundle the policies. You can get a discount and make administering the policies much easier.