Your ride gets the nothing but the very best.

The little details matter here. So, the bike you carefully chose and outfitted will be treated like the unique ride it is. For example, damaged OEM parts are replaced with OEM parts. And if your bike gets totaled or is stolen, with Total Loss coverage (TLC), you get a new one that’s just like the original. Even your accessories are covered, up to $3,000. You don’t always get this level of coverage as part of your standard motorcycle insurance policy. But here, you do.
You can call and tell us your fork is cracked; we get you.
Riding with the leading motorcycle insurer means you’re working with people who also know, respect and own bikes. (We’ve been at this for more than 35 years!) So when you choose your motorcycle insurance coverage, you’ll get suggestions from us based on your bike and lifestyle, making it easier to find the package that’s right for you. And you’ll work with reps who really know your bike when you have a claim. In short, you have an insurance company that doesn’t just appreciate your passion; we share it.
You can still splurge on gear.

Basic Gruber and Associates motorcycle insurance rates start as low as $75/year. Adding coverages is affordable, too. And with some coverages, you might get a little more at Gruber and Associates than you would elsewhere. For example, with our Total Loss coverage, you get a new bike if yours is stolen or wrecked; sometimes, this coverage only covers accidents. Start or retrieve a motorcycle insurance quote to see how Gruber and Associates would cover your bike. Our motorcycle insurance quotes take only about six minutes, start to finish.

Motorcycle Insurance Rates

For more than 35 years, Gruber and Associates has offered affordable motorcycle insurance rates. With Gruber and Associates , you can insure a variety of motorcycles and off-road vehicles, including customized motorcycles and motorcycles 25 years and older.

If you’re looking for a motorcycle insurance rate tailored just for your bike, check out the different types of motorcycles and off-road vehicles we insure:

Motorcycles 25 Years & Older

Vintage motorcycles allow you to preserve the past and enjoy the classic rides from yesteryear. Agreed Value coverage is available for bikes 25 years or older.

Agreed Value – The agreed value option for motorcycles means the lower of the following will be used to settle a total loss:

  • The amount necessary to repair or replace the stolen or damaged property to its pre-loss condition, reduced by the applicable deductible.
  • The agreed value shown on the Declarations page, reduced by its salvage value if you retain ownership of the motorcycle. No deductible applies in the event of a total loss.

The agreed value, which you provide and the insurance company confirms, is the market value of the motorcycle at the time of application, including the market value of all custom parts and equipment. The agreed value should be updated on your policy whenever changes are made to your motorcycle.

Cruiser
Usually includes a V-twin, full view engine, swept-back and/or high handlebars with forward-set foot pegs and a stepped seat for two (e.g., Harley-Davidson FX models, Honda Shadow and Yamaha V-Star).

Limited Production Cruiser

Special Edition Cruisers includes a V-twin, full view engine, swept-back and/or high handlebars with forward-set foot pegs and a stepped seat for two (e.g., Harley-Davidson FX models, Honda Shadow and Yamaha V-Star).

Street Sport

Sporty but less aerodynamic than High Performance (e.g., Buell Lightning, Honda VFR Interceptor, Kawasaki KZ1000, Suzuki Bandit).

High Performance

A motorcycle that incorporates racing technology with aerodynamic styling (e.g., Suzuki Hayabusa, Suzuki GSX-R, Honda CBR, Ducati 996 Supersport).

Touring

Uses large fairings, luggage compartments, radio systems, etc., to increase rider comfort and load capacity (e.g., Honda Goldwing, Yamaha Royal Star, Kawasaki Voyager).

Sport Touring
Combines sporty/aerodynamic styling with long distance touring features (e.g., BMW R1100RT, Moto Guzzi 1000s, Triumph Trophy).

Dual Purpose/Enduro
An off-road type motorcycle, equipped with lights and mirrors, that is designed to be ridden on unpaved surfaces but is approved for highway use (e.g., Honda XR Series, Kawasaki KLX Series, Yamaha WR Series).

Motocross/Dirt Bike
A lightweight, off-road motorcycle equipped with rugged tires, high ground clearance and enhanced suspension that is designed for riding on unpaved ground or rough terrain and is not street legal (e.g., Honda CR and CRF Series, Suzuki RM Series, KTM SX and M/XC Series).

Mopeds
A lightweight motorized bike that can be pedaled as well as driven by a low-powered gasoline engine.

Mounted Truck Camper

A two-wheeled vehicle with small wheels and a low-powered gasoline (or electric) engine geared to the rear wheel (e.g., Honda Reflex, Yamaha Razz, all Vespas).

Scooter
A trailer with recreational cargo quarters has the following characteristics: These are specific types of travel trailers or fifth-wheel trailers. Must have a special compartment in the back to transport horses, ATVs, etc.

Trike
Any motorcycle that has had the rear tire and storage areas replaced by a manufactured assembly or “conversion kit.” Physical Damage coverage is available on most trikes.

All Terrain Vehicle (ATV)/Off-Road Vehicle
An all-terrain vehicle (ATV), also known as a quad, quad bike, three-wheeler, four-wheeler, or quadricycle is defined by the American National Standards Institute (ANSI) as a vehicle that travels on low-pressure tires, with a seat that is straddled by the operator, along with handlebars for steering control.

 

Let us help you find the right insurance for your Motorcycle Today today!

We also offer Custom Motorcycle Insurance

Your bike is an extension of your personality — that’s one reason why you customize it. To ensure that customizations you make to your bike are covered, the following Customized Motorcycle program features are offered with a Progressive Motorcycle insurance policy.

Custom Parts and Equipment (CPE)/Accessory Coverage

In most states, at least $1,000 of free Custom Parts and Equipment (CPE)/Accessory coverage is included with Comprehensive or Collision coverage on motorcycles less than 25 years old that are listed with resale values in the NADA Appraisal Guide.

Up to $30,000 of Additional Custom Parts and Equipment (ACPE)/Accessory coverage can be purchased for motorcycles less than 25 years old that are listed with resale values in the NADA Appraisal Guide. Models from most major manufacturers (Honda, Harley-Davidson, Yamaha, Kawasaki, BMW, Suzuki, Aprilia, Polaris, Arctic Cat, etc.) fall into this category. Bikes in this category are eligible for Actual Cash Value Physical Damage coverage and Purchase Price/Replacement coverage on CPE, up to the limit purchased.

Motorcycles less than 25 years old whose manufacturers are listed in NADA but whose resale values are not listed are eligible for up to $50,000 in Agreed Value Physical Damage coverage and CPE coverage. Itemized receipts and an underwriting inspection are required for this coverage.

Motorcycles assembled from a kit or individual parts and motorcycles whose manufacturers are not listed in NADA are eligible for Liability coverage only.

Comprehensive and Collision Coverage

Comprehensive and Collision coverages are available on most motorcycles and all ATVs.

Motorcycles less than 25 years old whose manufacturers are listed in NADA but whose resale values are not listed are eligible for up to $50,000 in Agreed Value coverage and CPE coverage. Itemized receipts and an underwriting inspection are required for this coverage.

Motorcycles that are not eligible for Comprehensive and Collision coverage include the following:

  • Kit/homemade, non-factory built or composite
  • State-assigned VIN
  • Rebuilt or retitled
  • Original frame has been replaced
  • Manufacturer not listed in NADA Appraisal Guide

Loss Settlement Options

With a Progressive Motorcycle policy, motorcycle/ATV total losses are settled using two methods: actual cash value (ACV) and agreed value.

Actual Cash Value (ACV)

The actual cash value (ACV) option for motorcycles means the lower of the following will be used to settle a total loss:

  • The amount necessary to repair or replace a stolen or damaged motorcycle to its pre-loss condition, reduced by the applicable deductible.
  • The ACV of the motorcycle at the time of loss, reduced by the applicable deductible, and by its salvage value if the insured opts to retain ownership of the motorcycle.For example, if the ACV of your motorcycle is $12,000 when it is totaled in an accident, your Collision deductible is $500, and the salvage value of your bike is $6,000, your payout amount from the insurance company would be $5,500.

This settlement method applies to:

  • Motorcycles and ATVs with a resale value listed in the NADA Appraisal Guide.

Agreed Value

The agreed value option for motorcycles means the lower of the following will be used to settle a total loss:

  • The amount necessary to repair or replace the stolen or damaged property to its pre-loss condition, reduced by the applicable deductible.
  • The agreed value shown on the Declarations page, reduced by its salvage value if you retain ownership of the motorcycle. No deductible applies in the event of a total loss.

The agreed value, which you provide and the insurance company confirms, is the market value of the motorcycle at the time of application, including the market value of all custom parts and equipment. The agreed value should be updated on your policy whenever changes are made to your motorcycle.

The following items must be insured with the agreed value settlement option:

  • Motorcycles whose manufacturers are listed but have no resale values listed in the NADA Appraisal Guide.
  • Motorcycles 25 years old and older.


Let us help you find the right insurance for your Motorcycle Today today!

Discounts on Affordable Motorcycle Insurance

If you’re looking for affordable motorcycle insurance that protects your bike, choose Progressive. Not only do we offer cheap motorcycle insurance, we offer discounts, too. In fact, you may already qualify for significant discounts if you insure more than one bike or already have another Progressive policy – even if it’s not a motorcycle policy. Plus, safe riders could receive even lower rates on our already affordable motorcycle insurance.

You may qualify for even more discounts, too, including the following:*

  • Claims-Free Renewal — Receive a discount if you have no at-fault accidents during your previous policy period.
  • Homeowner — Get a discount on your motorcycle policy if you own your own home.
  • LoJack — Receive a discount if your bike is equipped with LoJack® for even more affordable motorcycle insurance.
  • Paid in Full — Pay the full amount of your policy when it renews and receive a discount just for doing so.
  • Prompt Payer — Pay on time for a year and receive a discount when your policy renews.
  • Responsible Driver — No accidents or violations on your driving record for the last three years translates to a discount.
  • Safety Course — Completing an approved safety course could earn you a discount.

Affordable Motorcycle Insurance – Even for Customized Bikes

With Progressive motorcycle insurance, you’ll receive coverage that fits your needs and affordable motorcycle insurance that fits your budget. Our Customized Motorcycle program offers up to $30,000 of coverage for custom parts, as well as Actual Cash Value or Agreed Value coverage for several types of personalized bikes. To find out what kind of coverage you need, get a quote for affordable motorcycle insurance any time.

Cheap Motorcycle Insurance for Many Types of Motorcycles

Everyone wants affordable motorcycle insurance, but no one wants cheap motorcycle insurance that doesn’t cover what you need. A Progressive policy offers coverage for all kinds of bikes and ATVs: Cruisers, Limited Production Cruisers, Street Sports, High Performance, Touring, Sport Touring, Mopeds, Scooters, Trikes, and even models older than 25 years, to name a few. See what your rate for affordable motorcycle insurance is today — get a quote now!

Motorcycle Insurance Coverage

With motorcycle insurance coverage from Progressive, you can choose how much and what kind of coverage your bike needs — at a reasonable price, too. Options include Bodily Injury and Property Damage Liability, Medical Payments, Roadside Assistance, and more. Protect your bike with the following types of motorcycle insurance coverage:

Bodily Injury & Property Damage Liability (BI/PD) — BI/PD covers you if you’re at fault for an accident that injures another person or damages someone’s property, up to the limits you select.

Comprehensive & Collision — This motorcycle insurance coverage pays to repair or replace your motorcycle if it’s stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. We pay for the remaining damage.

Uninsured/Underinsured Motorist (UM/UIM) — When the person at fault for an accident doesn’t have insurance or doesn’t have enough insurance, UM/UIM will cover your injuries and damages that the at-fault party is legally liable for, such as medical treatment and lost wages.

Medical Payments — MedPay covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. MedPay often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount. In some states, MedPay only applies after other medical insurance is exhausted.

Custom Parts & Equipment — When you purchase Comprehensive or Collision motorcycle insurance coverage, at least $3,000 of Accessory coverage for your custom parts and equipment is included in most states. Up to $30,000 of additional Accessory coverage can be purchased to cover custom parts that exceed the included value.

Roadside Assistance — If your motorcycle breaks down, Roadside Assistance will pay to tow it to the nearest qualified repair facility. Roadside Assistance also covers the necessary labor costs at the place of breakdown when your motorcycle or off-road vehicle is disabled due to any of the following:

  • Mechanical or electrical breakdown
  • Dead battery
  • Flat tire
  • Lockout
  • Insufficient supply of fuel, oil, water, or other fluids
  • Entrapment in snow, mud, water, or sand within 100 feet of the roadway

Motorcycle Insurance Coverage for Many Types of Bikes

We know how important it is to choose the right motorcycle insurance. With so many motorcycle insurance policies to look at, we provide the information you need to make the best decision. Progressive motorcycle insurance coverage protects many types of bikes and ATVs, including Cruisers, Limited Production Cruisers, Street Sports, High Performance, Touring, Sport Touring, Mopeds, Scooters, and Trikes. We even offer motorcycle insurance for older bike models. Get the motorcycle insurance coverage you need today, and we’ll take care of the rest.