What To Know About GEICO’s Motorcycle Insurance
GEICO motorcycle insurance offers competitive rates, a long list of discounts, and reliable customer service. From state-required liability minimum coverage to comprehensive motorcycle coverage with all the perks, GEICO quotes can provide you with the rates you need. Motorcycle insurance is required by law in most states, and GEICO could be the most affordable option for you.
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UPDATED: Dec 16, 2021
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- Motorcycle insurance is required in 46 states, and you need a minimum of liability coverage to drive legally
- GEICO’s rates are typically below the national average
- You may be eligible for several of GEICO’s unique motorcycle insurance discounts
GEICO is one of the nation’s most popular choices for auto insurance, and it’s easy to see why. GEICO car insurance is an excellent choice with great rates, a long list of discounts, and a stellar reputation.
Auto insurance isn’t the only product GEICO sells. From RV to boats to motorcycles, GEICO can cover just about anything you want to drive.
How does GEICO insurance stack up for motorcycle insurance? There are several factors to consider, but GEICO overall does very well.
If you’re looking to buy GEICO motorcycle insurance, you should still shop around to find the best rates possible. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.
How Much Should You Expect to Pay for GEICO Motorcycle Insurance?
Motorcycle coverage works pretty much the same way GEICO auto insurance works. Just like car insurance, most states have a minimum requirement for motorcycle insurance.
The minimum amount of liability insurance you need covers damage you cause in an accident where you’re at fault. Of course, some drivers purchase higher liability limits to cover more serious accidents. The state minimums will generally On top of the minimum requirements for insurance, you can purchase other coverage as well.
Coverage Monthly Cost
Liability and underinsured $183
Minimum + collision $487
Minimum + comprehensive $571
With all these options, GEICO can provide the coverage you need to drive your motorcycle safely.
Why do you need a separate motorcycle policy?
Motorcycles require a separate insurance policy because insurance companies consider them a higher risk than cars. In 2019 alone, there were 5,014 fatalities involving motorcycle accidents, which equals 58.33 deaths per 100,000 registered motorcycles.
Compare that to 12.06 deaths per 100,000 registered cars. So you can understand why insurance companies look at motorcycle drivers as more likely to file a claim.
Aside from the risks, having a policy on your motorcycle can help protect your bike from whatever comes your way.
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How much are GEICO motorcycle rates?
The exact price of your insurance will depend on various factors, just like car insurance does. To get an idea of what GEICO insurance quotes will look like for you, keep the following factors in mind.
- Gender: Statistically, men are involved in more accidents than women, which is why insurance companies partially base your rate on your gender.
- Age: Teens, young adults, and seniors are more likely to file a claim.
- Credit score: While it doesn’t affect your chances of filing a claim, insurance companies see a low credit score as less likely to pay the monthly bill on time.
- Car make, model, and year: Insurance companies live and die on numbers – they have detailed information on how likely you are to make a claim based on your vehicle, down to the color of your ride.
- Driving record: Having even a single speeding ticket will negatively affect your rates. If you have something serious like a DUI, you might not even be eligible for coverage at all.
- Location: Just like your car, insurance companies have detailed stats on the area you live in. If there are a lot of claims in your area, your rates will go up.
- Annual mileage. The more miles you drive, the more likely you are to file a claim.
- Marital status. For some reason, married couples are less likely to file a claim than their single counterparts.
Keeping these factors in mind, how much will GEICO motorcycle quotes be?
Obviously, the more coverage you need, the more it will cost. So if you’re interested in GEICO quotes, you should either speak with an agent or start an online request.
Is GEICO motorcycle insurance more expensive than other companies?
As far as prices go, GEICO is typically a little below the national average when you compare them state by state.
State Full coverage
New Hampshire $77.24
New Jersey $96.69
New Mexico $80.61
New York $108.10
North Carolina $93.83
North Dakota $37.85
Rhode Island $109.16
South Carolina $125.06
South Dakota $37.50
West Virginia $75.40
As an example of GEICO’s lower rates, consider a driver from Arizona. The average price of full coverage for a motorcycle in that state is $156.05, but GEICO averages about $70.44.
GEICO also offers a long list of discounts you can take advantage of to save more money:
- Loyalty for renewing your policy
- Multiple motorcycles
- Switching from another company
- Motorcycle Safety Foundation instructor’s
- Safety course completion
When you’re interested in GEICO insurance, an agent will work with you to make sure you get all the discounts you’re eligible for.
GEICO Motorcycle Insurance Review
GEICO is a famous name in insurance, but how does it compare to others?
The reputation as an excellent insurance company is well deserved. GEICO has an A+ rating from the Better Business Bureau, an A++ in financial strength from A.M. Best, and it consistently ranks highly in J.D. Power’s Auto Insurance Satisfaction survey.
More than that, GEICO customer service earns praise from its clients. GEICO boasts one of the quickest claim processes in the industry.
Complaints against GEICO mostly revolve around rates increasing after a claim, but you’ll find your rates go up with any insurance company. Additionally, some customers complain that canceling a policy can be a challenge.
Find the Best GEICO Motorcycle Rates for You
Having the right insurance is integral to protecting your motorcycle, and GEICO is a strong option. While it costs more than regular auto insurance, the coverage is well worth the price. Plus, state law requires that you have at least liability.
If you’re ready to see how GEICO motorcycle insurance compares to other companies, you should shop around for quotes. If you’re ready to see what quotes might look like for you, enter your ZIP code into our free tool today.