Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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What Insurance Companies Offer Physical Damage Coverage For Custom Built MotorcyclesPhysical damage for motor vehicles, including motorcycles, is usually covered under comprehensive or collision insurance . However, not every car insurance company insures custom built motorcycles.

Yet, most of the major insurance companies such as Geico, Nationwide, and Progressive offer physical damage insurance coverage for custom built motorcycles.

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While there are other insurance companies that also offer motorcycle insurance, such as GMAC, Safeco, and USAA General Agency, this article will focus on the aforementioned motorcycle insurance companies.

As with all insurance decisions, shopping around and reviewing information about multiple companies is the best way to get the best value for your motorcycle insurance product.

Motorcycle insurance is very similar to automotive insurance. You need liability insurance that meets or exceeds your state’s requirements and you can then add optional coverage, such as physical damage insurance, to your policy.

Physical damage insurance will address items such as collision and comprehensive damages to your motorcycle.

If you have a custom bike, you will most likely want this optional additional insurance.

Geico Physical Damage Insurance Coverage for Custom Built Motorcycles

Geico was originally a government employee insurance company, which is what Geico stands for: Government Employees Insurance Company. However, it has since grown to include government employees, corporations, and private individuals for multiple insurance product lines and services, including motorcycle insurance.

The physical damage insurance that is available from Geico includes collision coverage in case your motorcycle becomes damaged in an accident and comprehensive coverage in case there is non-collision related damage, such as from fire or theft. However, Geico also offers several additional protection packages for your motorcycle.

In addition to liability coverage for bodily injury and property damage, medical payments, Personal Injury Protection coverage, and uninsured or underinsured motorist coverage, Geico offers coverage for your motorcycle accessories. Accessories coverage will take care of all of your motorcycle accessories such as backrests, saddlebags, and even chrome pieces that are usually part of a custom built motorcycle.

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physical damage insurance coverageNationwide Physical Damage Insurance Coverage for Custom Built Motorcycles

Nationwide has been selling insurance products and services for over 180 years. What started out as car insurance for farmers has turned into one of the largest insurance companies nationwide, selling various financial services as well as insurance products such as motorcycle insurance.

Since Nationwide offers collision and comprehensive motorcycle insurance, your custom built motorcycle is protected against the majority of incidents that may result in physical damage. In addition to protecting custom built motorcycles you can also purchase coverage for your custom equipment. Nationwide also covers:

  • Custom motorcycles
  • Kit motorcycles
  • Limited edition motorcycles
  • Vintage motorcycles

As a motorcycle enthusiast, you may have more than one motorcycle. With Nationwide insurance, you are allowed to place up to 12 bikes on the same insurance policy with up to $50,000 coverage for each bike. By carrying liability for bodily injury on your policy, your guest rider is automatically covered as well.

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Progressive Physical Damage Insurance Coverage for Custom Built Motorcycles

Progressive Insurance is considered one of the biggest auto insurance providers in the nation. Growing since 1937, Progressive Group of Insurance Companies now sells home insurance and motorcycle insurance in addition to car insurance.

Motorcycle insurance has actually been available through Progressive for 35 years and Progressive was rated number one for motorcycle insurance through an independent survey.

Since you can customize your motorcycle insurance policy at Progressive, you can select the right insurance you need for your custom built motorcycle. In addition to physical damage collision and comprehensive insurance, you can add the Accessories insurance companies covering physical damagescoverage to your policy. The Accessories insurance package covers:

  • Antennas
  • Sidecars
  • Trike conversion kits
  • Custom paint
  • Helmets

With your collision and comprehensive insurance you are automatically covered for $1,000 in custom parts and/or accessories. This coverage is state dependent so you may not qualify in every state. By adding the Accessories coverage to your policy, you can purchase an additional $30,000 in coverage for your Custom Parts and Equipment and accessories for your custom built motorcycle.

In order to determine how much additional coverage you need, calculate how much your custom parts and equipment and accessories cost. If you have $10,000 in CPE and accessories, then you may want to buy $9,000 worth of coverage since you automatically receive $1,000 with your physical damage insurance through the collision and comprehensive insurance policy.

If you have a custom built motorcycle then you want adequate insurance coverage for it. Compare different insurance companies to find out who is offering you the most coverage for your custom needs in addition to just the physical damage that is covered by comprehensive and collision insurance. Since most insurance companies offer physical damage insurance coverage for custom built motorcycles, search for the one that will give you the best value.

You can get FREE motorcycle insurance quotes just by entering your ZIP code right now!