Moto Bike Insurance

cwolf96
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99
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8/12/2019
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Delavan, WI, USA
cwolf96
Looking for some experience... what are easy insurance companies to work with when getting coverage on an MX bike? Is theft & fire protection enough? What is a reasonable amount to pay? TIA!
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Wade221
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620
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12/2/2015
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Yuba City, CA, USA
Wade221 10/23/2020 9:15am
10/23/2020 9:15am
This thread might turn into a dumpster fire...
That being said, I use progressive. Two bikes, theft coverage, and $2000 accessories per. I pay basically $28 a month, but it was a bit less because I just did the yearly lump sum. It would of been about $35 if it was month to month
3
Rickyisms 10/23/2020 9:16am
10/23/2020 9:16am
Geico theft insurance on one of my bikes is $12 a month on top of my truck insurance.
cwolf96
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99
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8/12/2019
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Delavan, WI, USA
cwolf96 10/23/2020 9:24am
10/23/2020 9:24am
@Wade221 - you're right, this probably will turn into a dumpster fire LOL

Appreciate the input guys. I've never insured my moto bikes but I've decided to change that trend.
1
skeef
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USA
Fantasy
927th
skeef 10/23/2020 9:34am
10/23/2020 9:34am
I use Foremost, with my bike being financed they get you a little bit there. I believe I have liability 25/50, uninsured 25/50, and theft. I pay about $40 a month. It's steep from what I've seen but I'm also young and don't have a history of having insurance.
1

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Spooner
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2482
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1/8/2011
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Kansas City, MO, USA
Spooner 10/23/2020 9:58am
10/23/2020 9:58am
It was like $150 to insure my 20 TX300 through progressive for the year. I also added a few grand in accessories to the policy.
1
kNewc
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1169
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3/17/2017
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USA
kNewc 10/23/2020 10:40am
10/23/2020 10:40am
I pay $75 a year to insure my '21 KX250. I guess with Progressive the word you want is "Comprehensive" that covers fire and theft. According to my agent if it doesn't say "Comprehensive" then you aren't really covered for anything on a dirtbike. I just got my 250 and an 05 rmz450 covered for a year for $115. I got some discount by ordering them at the same time.
1
mxryan25
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176
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11/27/2018
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Dayton, OH, USA
mxryan25 10/23/2020 11:12am
10/23/2020 11:12am Edited Date/Time 10/23/2020 11:13am
I got a few other quotes including from geico on the first bike I insured and progressive was quite a bit lower than anyone else so ive just stuck with them for every bike since and always seems fair. Super easy to do It let’s you pick and choose coverage options/deductible’s so you can get what you need and not what you don’t need. Policy with 2021 kx250 and 2016 yz250 cost me 160$ for the year
1
Indy mxer
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The Villages, FL, USA
Indy mxer 10/24/2020 7:05am
10/24/2020 7:05am Edited Date/Time 10/24/2020 7:06am
I get full coverage thru Indiana Farm Bureau insurance. Be aware wth fire and theft, if you have your bike in the bed of a truck or in your trailer and you have a wreck, it's not covered under your vehicle insurance.
1
hushpuff
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15
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9/2/2021
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Denver, CO, USA
hushpuff 2/16/2022 12:54pm
2/16/2022 12:54pm
Some of you may recall the other dumpster fire thread a while back when I asked if filing a claim with my carrier was worth it for my 2019 KTM 450 FE. They wound up totaling the bike and paying me $3k more than I paid given market conditions. I have two snowmobiles and an old Goldwing on my Progressive policy, full coverage on the KTM added $80 to my 12 month premium. I've had two claims on it, one for a sled and one for the KTM, both times it was an absolute breeze to work with them.
2
ArmPumped
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CA
ArmPumped 2/16/2022 12:57pm
2/16/2022 12:57pm
I’m in Canada and I went through Co-operators just fire and theft. It would’ve been $17 a month but because we added another vehicle to our policy we got a $28 discount per month. So my insurance now costs -$11 a month.
1
Falcon
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Menifee, CA, USA
Falcon 2/16/2022 1:02pm
2/16/2022 1:02pm
ArmPumped wrote:
I’m in Canada and I went through Co-operators just fire and theft. It would’ve been $17 a month but because we added another vehicle to our...
I’m in Canada and I went through Co-operators just fire and theft. It would’ve been $17 a month but because we added another vehicle to our policy we got a $28 discount per month. So my insurance now costs -$11 a month.
Now that's a bargain!

My wife just informed me that her neighborhood Facebook forum has been reporting break-in thefts of motorcycles out of people's garages. I'm going to add insurance to mine, too. I have cable locks securing everything together, but I know that's just more about slowing down the theft than preventing it.
2
jjglass535
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86
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Lutz, FL, USA
jjglass535 2/16/2022 1:05pm
2/16/2022 1:05pm
skeef wrote:
I use Foremost, with my bike being financed they get you a little bit there. I believe I have liability 25/50, uninsured 25/50, and theft. I...
I use Foremost, with my bike being financed they get you a little bit there. I believe I have liability 25/50, uninsured 25/50, and theft. I pay about $40 a month. It's steep from what I've seen but I'm also young and don't have a history of having insurance.
I also use Foremost and have the same coverage as you. I own the bike and it costs me $80 a year
Scooter
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107
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11/2/2011
Location
Healdsburg, CA, USA
Scooter 2/16/2022 1:06pm
2/16/2022 1:06pm
I got a Policy through Foremost for my '22 GasGas MC450...high liability and full coverage...$227.00 per year.
GeorgiePorgie 2/16/2022 1:09pm
2/16/2022 1:09pm Edited Date/Time 2/16/2022 1:10pm
Fire and theft, 4 bikes on the policy. $160 a year lump sum payment makes it cheaper.
2011 yz250 3000 in accessory coversge
2006 yz144 5000 in accessory coversge
1995 cr250r $7000 in accessory coverage
2021 Ttr110 3000 in accessory coverage
bultokid
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2139
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8/13/2007
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Houston, TX, USA
bultokid 2/16/2022 2:04pm
2/16/2022 2:04pm
Been using Progressive for years....'22 GasGas runs about $200 per year
Ake89
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143
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12/17/2015
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Argyle, TX, USA
Ake89 2/16/2022 5:32pm
2/16/2022 5:32pm
NO PROGRESSIVE NO GEORGE SOROS if you LOVE AMERICA. GEICO ALL THE WAY
4
Luke_Richards
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666
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2/1/2019
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Ijamsville, MD, USA
Luke_Richards 2/16/2022 6:40pm
2/16/2022 6:40pm
I requested a quote for insurance on mine from progressive, They sent me a collision type insurance breakdown like car 😂 I should have taken it, bend some bars and call a fucking tow truck
Johnnydirt
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246
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4/23/2021
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NY, NY, USA
Johnnydirt 2/16/2022 6:42pm
2/16/2022 6:42pm
Progressive as well. It’s too cheap not to have.
Dirt.Squirt
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1433
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1/5/2022
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The Low-Dez, OR, USA
Dirt.Squirt 2/16/2022 7:01pm
2/16/2022 7:01pm
NB4 wheelie boy talk
1

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