Best Auto & Motorcycle Insurance Bundle Discounts (2022)


While nothing beats the freedom of riding a motorcycle on the road, sometimes you also need a car to get around. The good news is that you can bundle auto and motorcycle insurance with many companies and get discounts on your coverage. The Guides Auto team will show you the best motorcycle insurance companies that also offer auto insurance with bundled discounts.

Best discounts on auto and motorcycle insurance packages

We compared the best car and motorcycle insurance companies in terms of reputation, coverage, cost and customer experience. Our top picks for bundled coverage are Geico, Progressive, Liberty Mutual, Nationwide, and American Family Insurance.

Geico

Geico offers a discount of up to 5% for bundling your auto and motorcycle insurance. That might not seem like the biggest discount, but our team found Geico car insurance rates to be about 24% cheaper than the national average. When you start with cheap rates, any discount makes it better.

With Geico motorcycle insurance and all the companies on our list, you can get all the standard coverage options, including these:

Geico also offers extras such as Accessory Cover, which can protect items such as:

  • Non-stock sidecars
  • Saddles and saddlebags
  • Electronic equipment
  • Trike conversion kits

progressive

progressive motorcycle insurance policies come standard with full replacement cost, custom equipment coverage, and original parts coverage. For auto insurance, Progressive offers many options, like ride-sharing coverage and custom parts coverage. It also provides a usage-based program called Snapshot that grants discounts based on safe driving.

Progressive stands out for its wide range of motorcycle and auto coverage options. With a motorcycle insurance policy, you can purchase the following types of additional coverage:

  • Content transported: Covers personal effects such as telephones, camping equipment and hunting equipment
  • Total loss coverage: Pays to replace a bike that is up to two model years old with a completely new model
  • Enhanced injury protection: Extends death benefits to $25,000 and can pay up to $250 a week for two years if you’re injured and can’t work

Liberty Mutual

Liberty Mutual offers 13 car insurance discounts and advertises three motorcycle insurance discounts, although others may be available depending on your situation. Although you can get a car insurance quote online, you will need to call Liberty Mutual for a bundled auto and motorcycle quote.

Liberty Mutual’s motorcycle insurance policies come with a new bike replacement, but you can also upgrade to a better bike replacement. This gives you more than the market value of your bike if it is totaled in an accident. And for auto insurance, Liberty Mutual offers optional coverage like OEM parts replacement, roadside assistance, and rental car reimbursement.

At national scale

Nationwide is another reliable auto insurance company that offers bundled discounts that apply to motorcycle insurance. However, you’ll need to get in touch with the company to see what you could save.

When it comes to coverage options, Nationwide offers plenty of auto and motorcycle insurance. On the auto side, Accident Forgiveness is a helpful upgrade that keeps your rate the same after your first minor violation or at-fault accident. And for motorcycle insurance, Nationwide offers custom equipment coverage up to $30,000 to protect your motorcycle’s aftermarket accessories.

American family insurance

Our final pick for the best auto and motorcycle insurance packages is American Family Insurance. This provider offers a good range of coverage options for bikes and cars. Plus, you can get a discount for bundling fonts. American Family can cover these types of bikes and more:

  • Cruisers
  • Sports bikes
  • Mopeds
  • touring bikes
  • Scooters

American Family’s motorcycle coverage includes up to $1,000 of safety clothing coverage. This policy pays to replace important safety equipment like your helmet and jacket after an accident. And AmFam’s Comprehensive and Collision Damage Waiver automatically covers up to $3,000 worth of custom parts, with higher limits available.

When to combine auto and motorcycle insurance

There are two main reasons for bundling auto and motorcycle insurance: to save on insurance premiums and to bundle insurance policies with one provider.

Bundle discounts vary from a few percent to 10% or more. It can definitely help you save on how much does motorcycle insurance cost. Depending on the company, you may get a bigger discount on one policy than another. Or you can get the same discount on both. With motorcycle insurance, you need to shop around to see what discounts you can get from different companies.

The other advantage of bundling is that you only have to pay one company for your car and motorcycle policies. You can see your premiums on one invoice and deal with the same company whenever you have a question or a claim.

When not to bundle auto and motorcycle insurance

Sometimes bundling auto and motorcycle insurance isn’t the best option. This may be the case if you are looking for a specific type of motorcycle insurance. For example, you might have a typical ride and want coverage at the agreed value instead of market value. Or you may also want coverage for your transport trailer. Choose the provider based on the type of coverage you need before looking for multi-policy discounts just for cheap motorcycle insurance.

How to combine car and motorcycle insurance

Bundling your car and motorcycle cover is quite easy. You can compare quotes online or call the companies to find the right coverage.

Compare car and motorcycle consolidation quotes

To find cheap motorcycle insurance, we recommend comparing at least three quotes when shopping for coverage. Keep in mind that motorcycle insurance is more specialized than car insurance, so you may need to call an insurance company for a quote instead of using a simple online form.

Consider the coverage you need

Once you have a few companies in mind, compare the coverage options each offers. From touring bikes to choppers, there are many types of motorcycles and even more types of motorcycle owners. Find the right coverage for your situation. And as we mentioned above, avoid bundling if you can’t find the right coverage.

Avoiding a Coverage Interruption

If you currently have separate coverage for a car and a motorcycle, be careful when you change insurer. Overlap coverage on both vehicles for at least one day to avoid interruption of coverage. If your car or bike goes uncovered for a while, you might end up paying more for insurance policies in the future.

Car and motorcycle insurance: conclusion

Bundling auto and motorcycle insurance is a great way to save money if you can find the coverage you need. Our choices for bundling this coverage are Geico, Progressive, Liberty Mutual, Nationwide, and American Family Insurance. Compare quotes to find the best option for you.

Car and motorcycle insurance: FAQ

Here are some frequently asked questions about auto and motorcycle insurance:

Our Methodology

Because consumers rely on us to provide unbiased and accurate information, we’ve created a comprehensive rating system to formulate our ranking of the best motorcycle insurance companies. We’ve collected data on dozens of motorcycle insurance providers to score companies on a wide range of ranking factors. The end result was an overall score for each provider, with insurers who scored the most points at the top of the list.

Here are the factors taken into account by our assessments:

  • Cost (20% of total score): Motorcycle insurance quotes obtained through secret shopping and discount opportunities were both taken into consideration.
  • Coverage (20% or full score): Companies that offer a variety of insurance coverage choices are more likely to meet consumer needs.
  • Reputation (20% of total score): Our research team considered market share, industry expert ratings, and years in business to assign this score.
  • Availability (20% of total score): Auto insurance companies with greater state availability and fewer eligibility criteria scored higher in this category.
  • Customer experience (20% or full score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings. We also considered the responsiveness, friendliness and helpfulness of each motorcycle insurance company’s customer service team based on our own customer analysis.

*Data correct at time of publication.

Leave a comment

Your email address will not be published. Required fields are marked *