The Motorcycle Insurance Guide

Overall Personalized Rating: 5/5 (Excellent)

Overall Personalized Rating: 5/5 (Excellent)


The face of Progressive for most consumers is likely 'Flo', the fictional Progressive employee showcased in Progressive's ubiquitous TV ad campaigns. Progressive was founded in 1937 and initially focused on consumers that other insurance companies found less desirable. Over the years, Progressive has expanded beyond its roots and now offers insurance to all consumer types, often with some of the best pricing to be found. This is true of Progressive's motorcycle offering as well.

Key Benefits

  • Highly competitive pricing, often the lowest
  • Often gets good marks for customer service, despite being one of the low cost leaders.
  • Will insure the full spectrum of consumers--young, bad driving record, etc.

Ratings Summary

Ratings Highlights

Overall Rating
We recommend always getting a quote from Progressive. Our pricing research found Progressive to always offer competitive rates, and they often had the best rates. Despite often being the price leader, Progressive gets fairly high marks of service. If you happen to be a rider that may get more costly premiums, e.g., young rider, have accidents, Progressive can be a particularly good choice.
Our pricing research found Progressive to consistently have the best or second best pricing across different regions and for different types of consumers and bikes. In short, you always want to get a quote from Progressive to at least compare the pricing.
Handling Claims
Progressive received high marks for addressing claims, which is somewhat surprising given that they are often the price leaders. Progressive often provides a uniquely strong value on both claims management and cost.
Young Riders
In our pricing research, Progressive stood out on pricing for young riders. Progressive offered the best pricing for young riders in our sample and usually by a lot.
Bundling Auto with Other Insurance Types
Progressive is a very good choice for bundling motorcycle and auto, as it is extremely strong in both categories. For homeowners insurance, Progressive has a good offering, but other carriers may offer a more competitive homeowners insurance offering.
Riders with Tickets/Accidents
If you have had an accident or a ticket, Progressive is a great option to look at. Our pricing research showed that Progressive always had competitive pricing in this category. Given just how much premiums varied with riders with blemishes, we recommend you do your homework and check multiple carriers as the pricing variation was considerable.

Company Background

Progressive Insurance was founded in 1937 and is headquartered just outside of Cleveland, OH. Progressive is the third largest auto insurance company in the US with almost 12.3% market share.

The Motorcycle Insurance Guide's Reviews Methodology

The Motorcycle Insurance Guide uses a proprietary algorithm to evaluate the motorcycle insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of the rider, bundling, and rider type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the rider. The data comes from research The Motorcycle Insurance Guide conducts as an invite-only annual survey and from interviews with motorcycle insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Motorcycle Insurance Guide's 2024 reviews by third parties without the express written consent of The Motorcycle Insurance Guide is strictly prohibited.