Whether you ride a cruiser, sport bike, touring motorcycle, or scooter, getting proper coverage doesn't have to be complicated or expensive. GEICO has been insuring motorcycles since 1978, offering flexible coverage options, specialized protection for gear, and stackable discounts that help keep monthly premiums low.
Here is everything you need to know about getting a GEICO motorcycle insurance quote, customizing your policy, and unlocking maximum savings.
Key Coverages Offered by GEICO Motorcycle Insurance
When requesting a quote, you can tailor your protection to fit both your state’s legal requirements and your specific riding style:
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Liability Coverage (Bodily Injury & Property Damage): Helps cover legal costs, medical bills for others, and property damage if you are at fault in an accident. Most states require minimum liability limits for street-legal bikes.
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Collision & Comprehensive Coverage: Collision pays for repairs if your bike hits another vehicle or object. Comprehensive covers non-collision losses such as theft, fire, vandalism, or severe weather.
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Custom Parts & Accessories Coverage: Included with comprehensive or collision coverage, this protects custom additions like saddlebags, backrests, chrome parts, or custom exhaust systems up to standard policy limits (with options to add more).
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Safety Riding Apparel & Helmet Protection: Collision coverage extends to your helmet and protective riding gear if damaged in a covered incident.
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Emergency Roadside Service with Trip Interruption: Provides 24/7 towing and roadside assistance, plus up to $200/day ($500 per occurrence) for transportation and lodging if your bike breaks down far from home.
8 GEICO Motorcycle Discounts to Ask For
You can stack multiple discounts during your quote process to lower your annual premium significantly:
| Discount Category | How to Qualify | Potential Savings |
| Motorcycle Safety Course | Complete an approved Motorcycle Safety Foundation (MSF) or military safety course. | Up to 10% |
| Policy Transfer | Switch your active motorcycle policy from another carrier to GEICO. | Up to 10% |
| Multi-Vehicle / Multi-Policy | Insure more than one bike or bundle with GEICO auto or RV insurance. | Up to 10% |
| Mature Rider | Available for experienced riders who meet state age qualifications. | Up to 10% |
| Policy Renewal | Maintain continuous coverage with GEICO over time. | Up to 10% |
| MSF Instructor | Active Motorcycle Safety Foundation course instructors. | Up to 20% |
| Anti-Theft Device | Install qualified GPS trackers or alarm mechanisms on your bike. | Varies by state |
| Defensive Driving | Complete an approved defensive driving refresher course. | Varies by state |
How to Get Your GEICO Motorcycle Quote in 3 Steps
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Gather Basic Information: Have your vehicle identification number (VIN), year, make, model, current mileage, and primary storage location (garage vs. driveway) ready.
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Select Limits & Deductibles: Choose liability limits that protect your assets, and set comprehensive and collision deductibles (e.g., $250, $500, or $1,000) that match your budget.
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Review & Lock In Your Rate: Verify eligible discounts, review instant coverage activation options, and print or download your digital insurance cards immediately.
Frequently Asked Questions
Does GEICO insure all types of motorcycles?
Yes, GEICO provides coverage for cruisers, sport bikes, touring bikes, Enduros, dirt bikes, trikes, scooters, and many custom bikes.
Are custom parts covered automatically?
If you carry collision or comprehensive coverage, GEICO includes basic protection for custom parts and accessories, with the option to purchase additional coverage limits if you have extensive modifications.
Will taking an MSF safety course lower my quote immediately?
Yes, submitting proof of completion for an approved Motorcycle Safety Foundation course qualifies you for a discount of up to 10% on eligible coverages in most states.
