Is Progressive Motorcycle Insurance Legit? Delve into Our Motorcycle Insurance Analysis

Image of Progress motorcycle insurance
Progress motorcycle insurance | photo courteys | Insurance Guide


As one of the largest auto insurers in the United States, Progressive also provides extensive coverage options for motorcycles, ATVs, and scooters.

This article reviews Progressive motorcycle insurance policies and compares them to competitors.

By reviewing the information in this article, you’ll get a sense of whether Progressive offers the right motorcycle insurance for your needs and budget.

We’ll highlight what sets Progressive apart in the motorcycle insurance space so you can determine if it meets your expectations for reliable, affordable coverage.

What is progressive motorcycle insurance?

Progressive has a variety of motorcycle insurance options to keep you protected on the road.

The insurance offers policies that can cover any kind of bike you ride, including:

  1. Supersports
  2. Dirt bikes
  3. Choppers
  4. Vintage hogs.

You can get essential liability coverage to meet state minimum requirements.

But Progressive Insurance also offers comprehensive collision policies to pay for repairs or replacements if your bike is damaged or stolen.

Some key benefits include full replacement cost coverage without depreciation, protection for aftermarket parts and accessories, accident forgiveness to prevent rate hikes, coverage for OEM parts, a deductible that decreases over time, and enhanced injury protection in case you get hurt.

So if you want to cruise the open roads without worry, Progressive Insurance aims to have flexible and affordable motorcycle insurance for all riders, from weekend warriors on touring bikes to hardcore motocross racers.

Check out their range of options to find a policy that fits your bike and budget.

How does progressive motorcycle insurance work?

The following are the main features of Progressive Motorcycle Insurance‘s operation that you should be aware of if you wish to join:

  1. Tailored Premiums: Progressive motorcycle insurance offers personalized premiums based on factors such as your bike details, age, location, and riding history.
  2. Loss Coverage: In the event of an accident or damage, Progressive covers losses as specified in your policy.
  3. Easy Claim Process: Easily file a claim over the phone, online, or through the Progressive app with the help of committed agents who will walk you through each step.
  4. Expert Guidance: From the initial inspection to approving repairs or replacement costs, Progressive’s agents provide expert guidance throughout the claims process.
  5. Additional Extras: Enjoy supplementary benefits like roadside assistance, trip interruption coverage, and towing services for breakdown situations.
  6. Comprehensive Protection: Progressive motorcycle policies aim to provide bikers with upfront protection, ensuring they feel covered and secure in the face of crashes or other harmful incidents.

What are the pros and cons of progressive motorcycle insurance?

What are the pros and cons of progressive motorcycle insurance

Just remember that, like any insurance, Progress Motorcycle Insurance has benefits and drawbacks before selecting one.

Here are some of the pros and cons of choosing Progressive as your motorcycle insurance provider:


  • Relatively affordable premiums
  • Excellent financial strength rating from AM Best
  • wide selection of coverage options
  • Loyalty rewards for long-time customers
  • Usage-based insurance discount with Snapshot program


  • Average customer service ratings
  • Snapshot program can raise rates for some drivers
  • Limited availability of local agents

Progressive motorcycle insurance coverage details

infographic: Coverage details of progressive motorcycle
infographic: Coverage details of progressive motorcycle

Motorcycle insurance offers the following types of coverage for your bike:

  1. Liability Coverage: This covers medical bills, property damage, and legal expenses for other parties if you’re at fault. Higher liability limits are available for extra protection.
  2. Collision Coverage: Optional coverage for the repair or replacement of your bike in case of a collision, regardless of fault. Lenders may require it if you finance your bike.
  3. Comprehensive Coverage: Optional coverage for the repair or replacement of your bike due to non-collision events like fire, theft, vandalism, or natural disasters. Lenders may require it if you finance your bike.
  4. Customized Motorcycle Parts Coverage: Covers accessories and custom parts automatically included with comprehensive and collision coverage, with the option to increase coverage up to $30,000.
  5. Uninsured/Underinsured Motorist Coverage: Optional coverage is recommended for your safety; it covers medical bills and property damage if you’re hit by an uninsured or underinsured driver or in a hit-and-run accident.

Progressive motorcycle insurance customer reviews and testimonials

Motorcycle insurance receives a mix of customer feedback.

  • Positive reviews highlight the company’s commendable features, such as competitive rates, extensive coverage options, and a straightforward claims process.
  • Negative reviews express dissatisfaction with aspects like poor customer service, delayed payments, and unexpected rate hikes.

Customer Testimonials

 “I’ve been with Progressive for 5 years without any issues. They’re fair, prompt with claims, and offer great rates. Highly recommend for motorcycle insurance.” John from Trustpilot

Lisa from ConsumerAffairs: “Progressive is the worst insurance company. Rude, unprofessional, and dishonest. Denied my claim, refused to pay for bike damage, and increased my premium by 50% after the accident. Stay away.” Lisa from ConsumerAffairs

“Happy with Progressive for over 10 years. Helpful and courteous service, quick and fair claims processing. Saved a lot of money. Recommended for motorcycle riders.” Mike from Google

Amy from BBB: “Progressive is a terrible insurance company. Slow bike inspection, lowball estimate, cheap parts, paperwork errors, and billing issues. I regret choosing them and won’t use them again.”

Claims processing and customer service progressive motorcycle insurance

Aspect Evaluation
Claims Processing Average compared to industry standards
Filing and Tracking Claims Multiple options: online, phone, mobile app
Preferred Repair Shops Network available for expedited repairs


Progress Progressive Motorcycle Insurance offers many easy-to-use channels for filing and monitoring claims, including phone, online, and mobile apps.

However, the company’s customer service and claims processing have significant shortcomings.

Many customers have expressed dissatisfaction with delays, denials, and disputes over claims.

Progressive is also criticized for being challenging to reach and unresponsive to customer inquiries and issues.


Progressive motorcycle insurance provides affordable, flexible coverage for riders.

Options range from basic liability to full replacement cost policies, plus discounts and rewards for loyal, safe customers.

Progressive also has strong financial backing and a history in the motorcycle world.

Downsides may include average customer service and mixed reviews. Snapshot usage-based pricing could increase rates for some.

Local agent availability is also restricted, and the coverage may not be suitable for vintage or custom bikes.

Before choosing Progressive Motorcycle Insurance, compare and contrast other providers first.

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