Best Affordable Auto Insurance Provider That Bundles Auto and Motorcycle in 2021
You can find many auto insurance companies that offer auto and motorcycle insurance, but few let you save by bundling. Allstate is one of the best affordable auto insurance companies that offer auto and motorcycle insurance due to its total insurance packages and bundles. However, Progressive’s basic motorcycle insurance is as low as $79 a month. Compare discounts among car insurance companies that offer auto and motorcycle insurance bundles.
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UPDATED: Sep 21, 2021
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- The best auto insurance companies that offer auto and motorcycle insurance bundles also offer five of six of the most common auto coverages for both vehicles
- Allstate is one of the best companies in this area because of its depth of coverage
- Progressive and GEICO are also excellent companies for auto and motorcycle riders because of their add-ons, discounts, and prices
Are you looking for the best auto insurance companies that offer auto and motorcycle insurance bundles? Some of the top auto insurance companies let you save when you carry car and motorcycle policies with them.
If you have fantastic auto insurance but want comparable motorcycle insurance, that may be hard to find at first. Many insurance companies don’t offer car and motorcycle insurance bundle discounts, and most companies will not insure motorcycles year-round.
Price might be your top factor, but what else do you want from an insurance company? You want to think about the types of coverage you need for yourself and any passengers, like personal injury protection and coverage for your motorcycle accessories.
Read on to learn more about which of the top car insurance companies offer auto and motorcycle insurance. Not only can we tell you about some extras these companies offer, we provide you with some discount information.
To see quotes from auto insurance companies that offer auto and motorcycle insurance, just enter your ZIP code into our free quote tool above.
What are the best affordable auto insurance companies that offer auto and motorcycle insurance?
Some of the best affordable car insurance companies that offer car and motorcycle insurance may give you all the above coverages and more.
What is the deciding factor in choosing a motorcycle and car insurance bundle from one of these companies? In this case, the edge goes to extra motorcycle coverage.
Allstate offers a full suite of coverages for motorcycle, scooter, and trike riders, including gap coverage. Among the highlights:
- You can purchase coverage for off-road vehicle transport trailers
- Allstate offers towing and labor coverage, as well as rental reimbursement
- As a rider, you automatically have $1,000 in coverage for aftermarket upgrades, like custom seats. You can purchase up to $30,000 in insurance coverage
Allstate automatically covers any passengers you have. On top of that, it offers the Rider Protection Package, which provides death and dismemberment coverage if you ever get into a horrible accident.
Learn more about Allstate Insurance Company in our review.
Farmers might not be as generous with the motorcycle insurance it offers, but it is better than most other insurance providers.
- Farmers Insurance provides year-round motorcycle coverage while most insurance companies do not
- Farmers Insurance also has nine discounts for riders, including bundling and affinity groups
- You’re in luck if you own a vintage bike, a custom bike, a low-speed vehicle, or a street-legal ATV
Additionally, Farmers’ motorcycle coverage includes liability, collision, and other-than-collision coverage. If you have Farmers insurance, you can choose among three levels of motorcycle protection:
- Saver gives you a $500 safety apparel coverage, first-accident forgiveness, optional coverage for your motorcycling equipment, and towing and roadside assistance
- Plus adds financial help if you total a bike less than two years old
- Elite gives you coverage for a totaled bike older than two years but younger than five year. You also have coverage if your private property is damaged, lost, or stolen in an accident
You have the option of customizing your policy by increasing your equipment coverage (there is a $15,000 limit) and raising your transport trailer coverage (there is a $7,500 limit). You can also add uninsured motorist coverage and MedPay and raise your liability limits.
Learn more about Farmers Alliance Mutual Insurance Company in our review.
GEICO offers motorcycle insurance for ATVs, cruisers, mopeds, sports bikes, “standard bikes,” and touring bikes. It also boasts of its competitive rates.
All told, GEICO offers five of the top six coverages you might find for cars (except for medical payments), but it has decent add-ons.
- You can cover your accessories, including a non-stock sidecar, seats, saddlebags, and electronic equipment
- You can add helmet protection
- GEICO also offers emergency roadside assistance
Additionally, you can choose from five discounts besides the bundle. These include a 10% discount for mature riders. You can also get 10% off for taking a safety course and 20% off when renewing your insurance with GEICO.
Learn more about GEICO General Insurance Company in our review.
You can cover up to 12 bikes with Nationwide, which offers five of the six common vehicle coverages for motorcycles. Optional coverages include:
- $3,000 worth of initial coverage for custom equipment. You can increase the coverage amount to $30,000 maximum
- Original equipment manufacturer replacement for bikes that are nine years old or younger
- Roadside assistance, plus trip interruption reimbursement if you are stranded 100 miles from home
Nationwide also has eight discounts for riders, including one for members in riding associations. The company also covers scooters and vintage bikes that are at least 25 years old.
Learn more about Nationwide Mutual Insurance Company in our review.
Progressive boasts of its large motorcyclist clientele (it says it insures one out of every three riders). A big reason is Progressive’s range of covered vehicle types.
Besides covering cruisers (the most common type of motorcycle), the company covers custom bikes, dirt bikes, ATVs, UTVs, scooters, mopeds, sports bikes, touring bikes, and vintage bikes. Progressive motorcycle insurance includes:
- Liability, collision, comprehensive, uninsured motorist, underinsured motorist, and medical payments insurance
- Coverage for carried contents, roadside assistance, and trip interruption
- Enhanced injury protection, including weekly payments of $250 for two years and death benefits that total $25,000
Additionally, Progressive gives you a complete replacement for your bike with no depreciation for parts. It automatically includes OEM parts replacement, as well as $3,000 coverage for upgrades and customization.
Finally, Progressive offers 13 total discounts for riders. That includes affinity discounts, rebates for responsible drivers, and rebates for riders whose bikes have official endorsements.
You can learn more about Progressive Casualty Insurance Company in our review.
State Farm covers six types of two-wheeled and three-wheeled vehicles that are allowed to ride on normal roads. Besides standard factory-built motorcycles, you can get coverage for classic and custom motorcycles.
You can also get coverage for a motor scooter, a minibike, or a trail bike.
All coverages that State Farm offers for motorcycles are standard. The company’s insurance package includes:
- Five basic vehicle coverages. State Farm excludes PIP but includes laid-up insurance
- Damage to protective gear and attached sidecars
- Emergency roadside expenses and trip interruption expenses
Learn more about State Farm Automobile Mutual Insurance Company in our review.
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What are auto insurance companies that don’t offer auto and motorcycle insurance bundle discounts?
Two other popular auto insurance companies that include motorcycle insurance are Dairyland and Erie.
Dairyland offers the cheapest motorcycle insurance (it is as low as $6 per month). It also covers a multitude of motorbikes. These include the standard motorcycle, moped, scooter, dirt bike, cruiser, and trike.
Dairyland’s total insurance package includes the standard coverages in bodily damage liability, property damage liability, and comprehensive insurance. It also has liability-only collision insurance and “physical damage plus,” which covers damages to your motorcycle.
Extra coverages that Dairyland offers motorcyclists include:
- Medical expense and personal injury protection
- Replacement cost and roadside assistance
- Underinsured and uninsured motorist coverages
There are seven total discounts on Dairyland’s motorcycle insurance. However, the only policy that you can bundle with it is home insurance.
Erie offers motorcycle insurance with all the basic coverages, plus medical payments. If you choose Erie for your motorcycle insurance, it lasts all year because it includes vehicle storage. You will enjoy lower rates if you store your vehicle for 90 consecutive days.
Another plus to having your auto and motorcycle insurance with Erie is the Erie Rate Lock. However, you must have the Erie Rate Lock for your auto insurance first.
Erie may offer you a discount for bundling auto and motorcycle insurance. The company advertises savings with bundles involving combinations with auto, home, and life insurance. You will need to talk to an agent to see if you qualify for other discounts.
What should you look for when bundling auto and motorcycle insurance?
There is a good chance you already know what you want out of your car insurance, but what can you do to cover your motorcycle, as well?
The Common Six Auto Coverages
According to the Insurance Information Institute, the most common types of car insurance include liability, collision, and comprehensive insurance coverage. These are part of what is called full coverage.
Extra coverages include medical payments (MedPay), personal injury protection (PIP), uninsured motorist, and underinsured motorist coverage. The last two are often counted together.
What You May Want From Your Motorcycle Coverage
Motorcycle insurance might cost you less than car insurance, even though there is an increased risk when you ride. That said, you should look for a company that offers all the six basic coverages for your motorcycle.
Regardless of if you have PIP as part of your car insurance coverage, you will need it as a motorcyclist due to the increased risk. Medical payments are also necessary, especially if you carry passengers.
Additionally, you might want to get passenger liability insurance if you take passengers at all. The MedPay only covers any passengers if you are not at fault, but the latter covers injuries regardless of fault.
Besides taking care of yourself and your passengers, see if your auto insurance provider can offer add-ons for your motorcycle coverage. You may need coverage for any parts you need or accessories, like your helmet or saddlebags.
Finally, get laid-up insurance. That covers you against theft, fire, and other things while your bike is in storage during the winter months. It also helps reduce the annual cost of motorcycle insurance.
However, you are not covered by laid-up insurance if you decide to ride your motorcycle and get into an accident during this period.
Next, let’s look at some discount information for auto insurance companies that offer auto and motorcycle insurance.
How much can you save when you bundle auto and motorcycle insurance?
Here are nine auto insurance companies that offer auto and motorcycle insurance quotes separately and bundle coverages:
|Company||Auto & Motorcycle Bundle Discount|
|Allstate||Up to 10% on auto, up to 30% on motorcycle|
|American Family||Up to 5%|
|GEICO||Varies for auto, up to 5% off Motorcycle|
|Liberty Mutual||Up to 5%|
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- GEICO and Progressive offer relatively low rates for cars and motorcycles, but Allstate has a generous discount for bundling
- Progressive touts that its rates for motorcycle insurance coverage may be as low as $79 a month
- The American Automobile Association has lower motorcycle insurance rates for members, at $35 per year. Non-members will pay as much as $200 per year on average
Since your rates will differ based on factors that include your age, state, and driving history, ask for quotes from various companies.
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Auto Insurance Companies That Offer Auto and Motorcycle Insurance: The Bottom Line
When you are looking to bundle your motorcycle and car insurance, the cost is your first concern, but so are the types of coverages that a car insurance company offers for both.
If you want to buy insurance from an auto insurance company that offers auto and motorcycle insurance, the three best in this regard are Allstate, Progressive, and GEICO.
To find rates from the auto insurance companies that offer auto and motorcycle insurance, just enter your ZIP code into our free quote tool and get started.