Best Motorcycle Insurance for Beginners: What New Riders Need to Know in 2025
December 2025
If you're just getting into motorcycling—maybe you finally took that MSF course or bought your first bike—congrats! It's an amazing feeling. But before you hit the open road, one of the smartest things you can do is get solid insurance. As a beginner, you might worry about high premiums because of your lack of experience, but there are plenty of great options out there.
In this guide, I'll break down the best motorcycle insurance for beginners in 2025, including affordable companies, essential coverages, and tips to keep costs down.
Why Beginners Need Good Motorcycle Insurance
New riders statistically have higher accident rates, so insurance isn't just required in most states—it's peace of mind. A good policy protects you financially if you drop your bike, get into a crash, or deal with theft. Plus, many lenders require comprehensive coverage if you're financing.
Key Coverages Every Beginner Should Consider
- Liability: Covers damage/injury you cause to others (minimum required).
- Collision: Pays for repairs to your bike after an accident.
- Comprehensive: Covers theft, vandalism, fire, or animal collisions.
- Uninsured/Underinsured Motorist: Protects you if hit by a driver with poor coverage.
- Accessory Coverage: For custom parts or gear (helmets, jackets).
- Roadside Assistance: Huge for beginners—towing if you break down.
Top Motorcycle Insurance Companies for Beginners (2025)
These stand out for newbie-friendly policies, discounts, and forgiving underwriting:
| Company | Why Great for Beginners | Avg. Annual Cost (New Rider, Full Coverage) | Key Perk |
|---|---|---|---|
| Progressive | Forgiving for new riders; easy online quotes | $600–$900 | Disappearing deductible & accessory coverage |
| Geico | Competitive rates; MSF course discount | $500–$800 | Up to 10% off for safety course completion |
| Dairyland | Accepts high-risk/new riders | $700–$1,000 | OEM parts replacement |
| Harley-Davidson Insurance | Great for cruiser owners | $650–$950 | H-D factory-trained repair network |
| Allstate | Bundle discounts & good customer service | $550–$850 | New bike replacement if totaled in first years |
Tips to Get Cheaper Rates as a Beginner
- Complete a Motorcycle Safety Foundation (MSF) course—most insurers give 5–15% off.
- Start with a smaller engine bike (under 600cc) for lower premiums.
- Pay annually instead of monthly.
- Bundle with auto or home insurance.
- Keep a clean driving record and good credit.
- Shop around—rates vary wildly for new riders.
Ready to Ride Protected?
Compare quotes for the best motorcycle insurance for beginners—it takes just minutes and could save you hundreds.