Best Motorcycle Insurance for New Riders: A Complete 2025 Guide

If you're a new motorcycle rider, one of the most crucial steps in getting on the road is securing the right motorcycle insurance. As a beginner, you may be more vulnerable to risks and accidents, making it even more important to have a policy that offers the protection you need — without breaking the bank.

In this blog post, we’ll explore the best motorcycle insurance companies for new riders, what to look for in a policy, and tips to save money while staying fully covered.

Why Motorcycle Insurance Is Essential for New Riders

Riding a motorcycle offers an incredible sense of freedom, but it also comes with unique risks. For new riders, the risk of accidents is significantly higher due to inexperience. That's why having the right insurance coverage is not just legally required in most states — it’s a smart and potentially life-saving decision.

Key Reasons to Get Motorcycle Insurance:

Legal compliance: Most U.S. states require minimum liability coverage.
Financial protection: Covers medical bills, damage, theft, and repairs.
Peace of mind: Ride with confidence knowing you're protected.

What New Riders Should Look for in Motorcycle Insurance

Before we list the best providers, here are the top features every new rider should consider when shopping for motorcycle insurance:

1. Affordable Premiums

As a beginner, you may face higher premiums. Look for companies offering discounts for safety courses, good driving records, or bundling with auto or home insurance.

2. Comprehensive Coverage

Opt for a policy that includes:

Liability (bodily injury & property damage)
Collision
Comprehensive (fire, theft, vandalism)
Uninsured/underinsured motorist coverage
Medical payments or personal injury protection (PIP)

3. Customizable Add-ons

Choose insurers that allow you to add:

Roadside assistance
Trip interruption
Custom parts & equipment coverage
Rental reimbursement

4. Strong Customer Service & Mobile App

For new riders, an intuitive app and responsive customer support can make claims and policy management easier.

Top 5 Best Motorcycle Insurance Providers for New Riders in 2025

Here are the best-rated insurance companies offering reliable and beginner-friendly motorcycle coverage:

1. Progressive – Best Overall for New Riders

Why it stands out:

Offers extensive discounts for new riders, safety course graduates, and bundling.
Great mobile app for managing claims and policies.
Coverage for custom parts and accessories.

Pros:

Accident forgiveness
OEM parts replacement
Competitive rates

Cons:

Rates can vary by state

2. GEICO – Best for Budget-Friendly Premiums

Why it stands out:

Known for low-cost coverage with generous discounts.
Offers all essential coverages, including emergency roadside assistance.

Pros:

Quick online quotes
Great for young or first-time riders
24/7 customer support

Cons:

Limited availability for some specialized add-ons

3. Dairyland – Best for High-Risk Riders

Why it stands out:

Ideal for new riders with less-than-perfect records or who need SR-22 filings.
Offers flexible payment plans.

Pros:

Covers scooters and mopeds
No prior insurance required
Fast filing for state requirements

Cons:

Higher premiums for comprehensive plans

4. Nationwide – Best for Customizable Policies

Why it stands out:

Offers flexible policies tailored to different rider profiles.
Includes optional total loss replacement and emergency expenses coverage.

Pros:

Good for multi-bike discounts
Strong financial backing
Easy-to-use digital tools

Cons:

May not be the cheapest for all states

5. Allstate – Best for Claims Satisfaction

Why it stands out:

Known for excellent claims service and rider education resources.
Good coverage options for custom bikes and touring motorcycles.

Pros:

Claim satisfaction guarantee
Plenty of local agents for in-person support
New motorcycle replacement coverage

Cons:

Premiums may be higher than competitors

Tips to Save on Motorcycle Insurance as a New Rider

Even as a beginner, there are several ways to lower your insurance costs:

Take an approved motorcycle safety course
Bundle with home or auto insurance
Choose a higher deductible (only if you can afford it)
Maintain a clean driving record
Avoid unnecessary customizations until you have experience
Compare quotes from at least 3 providers

Final Thoughts: Get the Right Coverage from the Start

As a new rider, choosing the best motorcycle insurance isn’t just about the price — it’s about finding the perfect balance of affordability, protection, and peace of mind. Providers like Progressive, GEICO, and Nationwide offer tailored options that help you get started safely.

Before purchasing a policy, make sure to: