time icon 7 min read update icon Sept. 20, 2019
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Progressive became the most popular motorcycle insurer by balancing extensive coverage with small accident forgiveness and by covering repairs that retain the value of your motorcycle.

Progressive Insurance, founded in 1937, insures a vast number of motorcycle riders in the U.S. today. Its popularity is the result of extensive Standard coverage, Original Equipment Manufacturer (OEM) parts replacement and concierge claim service with unlimited small accident forgiveness. Riders can be certain that they and their motorcycles are fully protected, and they will not be punished if something goes wrong. Progressive is committed to staying one step ahead of its competition, and its members reap the benefits.

Grandfolk Scoring
Apparel and Helmet 10/10
# of Vehicles 9/10
Custom Bikes 10/10
Emergency Expenses 9/10
Price 9/10
Discounts 10/10
Customer Service 8/10
Basic Coverage 10/10
Add-on Coverage 10/10
Apparel and Helmet
Any coverage available?
Included in Comprehensive and Collision; Add-on: Personal Belongings
# of Vehicles

Number of vehicles allowed on one policy

Up to 4 vehicles and 5 riders per policy.
Custom Bikes

Coverage for custom or vintage bikes

Custom and vintage coverage with Agreed Value
Emergency Expenses

Are any covered?

Trip Interruption (up to $500/claim) requires Roadside Assistance coverage

Annual premiums

Many factors: driver, vehicle and add-on coverage

What triggers discounts?

Safe driver, pay in full, pay on time, automatic bill-pay, homeowner, married (in states where rate reduction is allowed), LoJack, anti-lock brakes, completion of safety courses, multi-policy/vehicle, motorcycle license/ endorsement, motorcycle association, and switching/transfer from another carrier; Diminishing Deductible plans also available
Customer Service

Hours available and means of contact?

Not all local agents work with motorcycle coverage. Customer service reps available by phone 24/7/365. Online access via the website and mobile app. As a policyholder, may also email or web chat with a rep
Basic Coverage

What does Standard coverage include?

Liability, Comprehensive, Collision, Medical, $3,000 of Custom Equipment coverage, OEM Parts Replacement and Accident Forgiveness
Add-on Coverage

What add-ons are available?

Total Loss, High-Value Customization, Enhanced Injury Protection, Roadside Assistance, Diminishing Deductible and Personal Belongings
Age Score:
50-64 Years
65-74 Years
75-84 Years

Progressive Insurance is designed to create an easy, user-friendly experience for locating quotes, getting coverage information and signing onto a policy online. Its website is tops in functionality and ease-of-use. For an aging senior, this is particularly important. The claims process is streamlined, too. Customer service representatives are available 24/7 by phone and email, and from 5 AM to 12 AM EST by web chat. While there are local agents across the country, a particular agent may not work with motorcycle coverage. The potential lack of a local agent would be a disadvantage for those who are older and want to meet with a customer service representative in person. The coverage itself is great for any healthy and active motorcycle rider, regardless of age. Its app lets tech-savvy seniors get Roadside Assistance with two taps on a smartphone.

Health Score:
Poor Health
Fair Health
Good Health
Great Health

Providing coverage for sport bikes, cruisers, autocycles and trikes, Progressive has a policy that covers members as their health changes and mobility issues adjust the type of motorcycle that meets the rider’s needs. The extensive Comprehensive, Collision, Medical and Liability coverage ensures that weekend warriors and avid, full-time riders alike are covered.

Progressive’s Enhanced Injury Protection coverage provides additional funds for those riders who are unable to work due to a major accident. It also has a built-in life insurance policy in the event of a fatal accident.

As health continues to decline, a rider is likely to be using the motorcycle less and coverage will become less valuable.


  • Original Equipment Manufacturer (OEM) parts replacement means if your BMW bike has BMW parts and you are in an accident, those replacement parts will be from BMW and will be covered at cost; the same goes for custom parts.
  • Agreed Value coverage for custom and vintage bikes ensures that you are covered properly.
  • Diminishing Deductible reduces the deductible by 25% every policy renewal that passes without a claim.
  • Total Loss coverage ensures that you will be back on the road on a similar make and model (available for bikes less than one model year old on new policies and two model years added onto a renewal). If your bike does not qualify, you will receive a payout of actual value at the time of the accident or theft.
  • Personal Belongings that are either carried or towed can be covered against damage or theft.
  • A long list of discounts helps you save money and still have a high level of protection.


  • Not all local agents work with motorcycle coverage, which is an issue if a senior wants to meet with a person face-to-face about coverage.
  • Roadside Assistance is not part of the Standard coverage but is available as an add-on to a policy.
  • Trip Interruption coverage is only available if your policy has a Roadside Assistance add-on.

Bottom Line:

Progressive is the most popular motorcycle insurer for a reason. The extensive Standard coverage ensures that riders have peace of mind. Numerous discounts, vanishing deductibles and easy online account management save you time and money when the road is smooth, while concierge claim service, accident forgiveness and Original Equipment Manufacturer (OEM) parts replacement make the process of submitting a claim a little easier to handle.

Seniors can easily request quotes and set up a new policy online. The site is designed for easy navigation and offers multiple ways to contact an agent with any questions. For those who prefer to talk to an agent directly, customer service is available 24/7 by phone and can even provide rate comparisons to ensure you are getting the best deal. Local agents are available across the country, but you have to check if they work with motorcycle coverage.

We highly recommend Progressive for all of your motorcycle insurance needs.

Frequently Asked Questions:

Can I cover my custom/vintage bike? Both custom and vintage bikes (over 25 model years old) are eligible for coverage with an Agreed Value to protect your investment. Progressive claims it covers 99% of motorcycles found on the road now.

Is my protective gear covered under my policy? Not only does Progressive’s Standard coverage protect your riding gear and helmet, but you can add on specialty coverage for any high-value belongings you carry or tow. That means if you have an accident on your way to work, Progressive will cover the cost of a damaged laptop.

How can I lower my premium? Progressive offers a wide number of discounts including quote in advance (getting the quote at least one day before your policy starts), safe driver, multi-vehicle/policy, pay in full, pay on time, automatic bill pay, homeowner, motorcycle association and anti-theft devices. Checking online for a quote will uncover more ways to save.

More Information:

Product Details

It is smart to have a policy that insures you in case of any incident, even if motorcycle insurance is not mandatory in every state. As with other types of vehicle insurance coverage, the provider determines a motorcycle insurance policy price based on a variety of factors including age of the driver(s), accident history, vehicle make/model/age and frequency of use. Custom-built cycles may require an independent appraisal or Agreed Value defined between the owner and the insurance provider to determine the correct coverage.

Where the vehicle is registered can also affect premiums: some states are more expensive than others. Minimum coverage requirements are also state-based. Many policyholders are unaware that even their educational level and their insurance credit score can impact the overall cost of premiums. A more accurate picture of the total cost is available through a representative or an online quote.

Package Details:

  • Standard Coverage
  • Bodily Injury and Property Damage
  • Coverage against Uninsured and Underinsured Motorists
  • Medical
  • Comprehensive and Collision includes a $3,000 limit for custom accessories and equipment
  • Unlimited Small Accident Forgiveness (claims under $500)
  • Original Equipment Manufacturer (OEM) parts replacement
  • Large Accident Forgiveness (for first large claim of $500+ after four years of coverage) 

Optional Add-on Services:

  • Customized Equipment and Accessories coverage up to $30,000
  • Enhanced Injury Protection with built-in life insurance 
  • Roadside Assistance, to which you can add up to $500/claim of Trip Interruption 
  • Total Loss includes bikes less than one model year old on a new policy and bikes less than two model years old on a policy renewal
  • Disappearing Deductible drops 25% for every policy renewal without a claim
  • Personal Belongings coverage replaces any damaged or stolen belongings that you carry or tow, including laptops, phones, and even camping gear

Additional Company Details

Contract Details: Policies are written and renewed annually. Payments may be made in full at the beginning of the term, on a monthly basis or following some payment plan options. Policies may also be canceled at any time. 

Warranty: No warranty.

Accreditations: Progressive Insurance, the parent corporation, is rated A- by BBB, although accreditation has not been received from the Better Business Bureau. According to JD Power, Progressive Insurance received an ‘average’ rating from its auto customers for their overall insurance claims experience. The corporation is rated A+ by A.M. Best and AA by Standard and Poor’s.

Company Details: Progressive Insurance, founded in 1937 by Joseph Lewis and Jack Green, was created to provide not only insurance but a sense of security and protection to its customers.  Through decades of growth and expansion, Progressive has committed to staying a step ahead of its competition. The first to offer drive-in claim service and rate comparisons that occasionally favor competitors, Progressive is focused on delivering an optimal user experience.  


Corporate Headquarters
The Progressive Corporation
6300 Wilson Mills Rd.
Mayfield Village, Ohio 44143
Phone: 1-800-776-4737       
Fax: 1-877-280-5587
Chat: Available 5 AM to 12 AM EST, Monday-Friday
Online Messaging:

Susan Adams - Senior Advisor

Susan is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.