​Best Learner Motorcycle Insurance 2018

Choosing the best learner motorcycle insurance is very important. It is not only a necessity but in many countries, operating a motorbike without insurance could incur heavy fines or even jail time. That, however, doesn’t mean that you are not in a position of choosing the kind of coverage you want for your beloved two-wheeler. The choices before you are many and varied ranging from the very basic to comprehensive insurance coverage and everything else that falls in between.

Insurance companies utilize various factors in calculating how much your motorbike premiums are going to cost. Some important considerations include your age, experience, the type of bike you own, where you store the bike, and the type of coverage you seek, among many others. While there is not much that you can do about aspects like your age and riding experience, it’s possible to work on many others with the goal of getting a cost-effective yet one of the best learner motorcycle insurance packages.

What to Consider When Buying Bike Insurance

Sometimes insurers offer riders who have undergone advanced motorcycle riding training their best bargains. This is something you can still undertake even when a learner. It is like killing 'two birds using one stone' because the advanced training improves your riding confidence and at the same time gets you the best learner motorcycle insurance premium rates deal.

If you tell insurance companies that you are using an approved security device on your motorbike to reduce the risk of theft or that your bike is kept in a locked garage during the night, they are likely to offer you a better quote. Obviously, there is something you can do about that whether you are a learner or not if you want to bring down the price of your premiums.

Insurance companies also offer discounts when you have a smaller motorbike. Insuring a 150cc bike will obviously cost you more than when you have a 75cc 2-wheeler that cannot possibly exceed 40mph. The mileage you intend to be covering also matters a lot. If for example, in a year you only ride about 3,000 miles or less, your motorcycle premium is likely to be cheaper than when you want to cover a 15,000 miles mileage allowance.

​The general fact is that the majority of motorcycle insurance policies tend to be very similar with identical coverages. However, depending on your specific needs and circumstances, some insurance policies may work better for you. Below are some of the best learner motorcycle insurance providers.

1. Amica

Amica has one of the best learner motorcycle insurance packages for damage, for yourself and your passengers as well as for liability protection. You can, for example, enjoy great savings if you opt to combine your motorcycle insurance coverage with your home, condo, renters or car policies.You will be working with a professional team that has received national recognition for excellent customer service when you choose Amica Insurance.

Data from the US National Highway Traffic Safety Administration (NHTSA) indicates that in 2015 alone, 88,000 motorcyclists were injured, and the National Insurance Crime Bureau (NICB) figures show that motorcycle thefts grew by 2% between 2015 and 2016. This explains why Amica Insurance gives such emphasis on motorcycle insurance as thefts and accidents do happen at a rate that is higher than for cars. 

As a new bike owner or learner, you deserve all the support you can get from one of the best learner motorcycle insurancefirms that provides great service, good rates, and personalized products. Amica not only fits that bill but has several discounts too.

​These discounts cover:

  • For installed safety equipment such as anti-lock brakes and anti-theft devices.
  • Safe riding training.
  • Multi-policies when you insure several motorcycles.
  • When you combine home, auto, or renters policies

​Umbrella Insurance

​The motorcycle owners of today typically also own cars, a home, etc. When you have such components insured by a single insurer, you stand to gain considerable savings through bundling of discounts. In some cases, the umbrella insurance from Amica offers additional liability protection when such are insured jointly. Umbrella insurance from this company offers you extended liability coverage – beyond what is already covered by your single home or auto policy. Amica offers a full range of liability coverage with limits that start at $1 million.

Amica Mutual Insurance Co. is the oldest mutual auto insurer in the nation, having been founded in 1907. Based in Lincoln, Amica is a national writer of home, marine, auto, home, and umbrella insurance. They employ over 3,800 people spread across 44 offices in the country and is rated by many reviews as one of those with the best learner motorcycle insurance products and packages.

​2. GEICO

Even though GEICO generally has some of the lowest rates, it ranks among the best learner motorcycle insuranceproviders. The giant insurer offers good auto coverage that has received positive reviews on their website. The GEICO products include comprehensive coverage, property and collision damage liability, bodily injury, physical damage to your motorcycle, personal injury protection, medical payments, no-fault protection, underinsured/uninsured motorist coverage as well as accessories coverage.

With the comprehensive or collision insurance coverage from GEICO, you may also get cover for your bike accessories such as seats, backrests, saddlebags, chrome pieces plus your CB radios. 

Flexible Payment Plans

When you really want to get your bike insured but cannot afford the annual premium, GEICO offers affordable payment plans. These plans are available in several options such as monthly or in a number of installments that work best for your specific case.

Multi-Policy 

When you keep it all within the GEICO family, you become eligible for multi-policy discounts.

​GEICO Discounts

As a contender for best learner motorcycle insurance, this insurer also offers several discounts that can contribute to a reduction of your rates.

  • Riders who opt to switch their current policy to GEICO can receive discounts going up to     10%.
  • GEICO also discounts motorcycle policies up to 10% when you cover more than a single     bike, when you are an older rider or have completed a qualified motorbike safety course.
  •  You can receive a discount of up to 10% when your motorcycle insurance is renewed with   GEICO.
  • Also available is a 10% discount when you complete a Military Safety Course or  Motorcycle Safety Foundation Course.
  • Instructors from the Motorcycle Safety Foundation receive a 20% discount.

  • No matter the type of bike you own—standard, sports, touring bike, cruiser, or a customized ride, this insurer has you fully covered at great rates. GEICO has one of the best learner motorcycle insurance deals that even cover your scooter.

3. Allianz

Whatever your needs, Allianz has some of the best learner motorcycle insurance options.Allianz is an international insurance company that is present on nearly every continent. Allianz is one of the best learner motorcycle insuranceproviders with a global reach and a history going back to over a century and quarter. The company is also proud to have been a consistent recipient of numerous government and industry awards.

Whether it’s a motorcycle, home, boat, car, or business property, the global expertise of Allianz offers reliable and solid protection no matter your location. Some of the products available at Allianz include:

Motor Comprehensive Insurance
This gives you coverage against liabilities to all other parties, and for yourself and the motorcycle. This is the best learner motorcycle insurance because of its total coverage.

3rd Party Property Damage
This only covers for damage to property owned by other people, which is fully or partly your fault. It also covers:

  • Legal liabilities every time you are using a substitute bike while yours is being serviced or repaired.
  • Approved legal costs that can arise out of a liability claim covered by your specific motorcycle insurance policy.

The Allianz online system is accessible 24 hours every day. Using their portal, you can sign up, compare packages, subscribe and manage your motorcycle insurance cover whenever you are or when it suits you. Allianz has also been rated as one of the best learner motorcycle insurance companies because their customers have easy and quick access to the claims process. Whenever you need to submit a claim, you can either call their friendly consultants or simply fill an online claims form.

4. A​ll State

​Whether it’s a ride over the summer period, or you have decided to store away your motorcycle for the winter, you will want to insure with one of the best learner motorcycle insurance companies. The motorcycle insurance policy from Allstate not only protects your bike but yourself too. If for instance, your new motorcycle gets totaled, while there is possibly no way of replacing it emotionally, Allstate can help you replace it physically in your driveway.

AllState New Motorcycle Replacement
This package gives you a brand new motorbike so that you can get riding again fast.

​Rider Protection Package
​This is an invaluable component for any new bike rider or owner. It offers dismemberment and death coverage as well as cash benefits to yourself and your stated beneficiaries. This insurer qualifies as one of the best learner motorcycle insurance firms largely because of the diverse and varied packages on offer. They include:

  • ​Bodily injury and property liability coverage
  • Underinsured/uninsured motorist bodily injury
  • Medical payments
  • Personal injury protection
  • Collision, towing and labor coverage
  • Comprehensive coverage
  • Motorcycle rental reimbursement
  • Lease/loan gap
  • ]Optional equipment.

It is possible to lower your insurance premium with a number of discounts available at Allstate:

​Multi-Policy
You can save close to 30% when you insure your home, auto, bike or almost anything else together.

Multiple Motorcycle
Save between 10 and 15% when you insure multiple motorcycles.

Transfer Discount

If you opt to transfer your current motorcycle policy held with another insurer and switch to the Allstate coverage, you get a welcome discount that can help in saving close to 10%.

Good Rider
Save up to 10% when you go for 60 months without being found to be at-fault during an accident or being guilty of anything bigger than a minor traffic violation.

Motorc​ycle Organization
You can save close to 10% if you are a member of specific organizations. These include Motorcycle Touring Association, American Motorcycle Association, Road Riders Association, Motorcycle Safety Foundation, BMW Motorcycle Owners of America, Harley Owners Group, Honda Riders Club of America, or Gold Wing Touring.

Motorcycle Safety Course
You stand to benefit from a 5% savings if, over the past 36 months, you voluntarily passed any Allstate approved motorcycle safe driving program that contributes to safer roads. 

​5. Foremost

Rated among the best learner motorcycle insurance providers, Foremost employs highly trained agents ready to provide their clients with the best insurance options in person.  The agents are always ready and available to answer any questions you could be having about the Foremost Insurance packages and products. You can access Foremost Motorcycle insurance only in the US (except in the states of Massachusetts and Hawaii).

Foremost is one of the best learner motorcycle insurance providers because their bike coverages are designed by experts who are very conversant with riding on the open American roads. All claims are handled by professional adjusters who are in place to specifically deal with motorcycles.

Rated among the best learner motorcycle insurance providers, Foremost employs highly trained agents ready to provide their clients with the best insurance options in person.  The agents are always ready and available to answer any questions you could be having about the Foremost Insurance packages and products. You can access Foremost Motorcycle insurance only in the US (except in the states of Massachusetts and Hawaii).

Foremost is one of the best learner motorcycle insurance providers because their bike coverages are designed by experts who are very conversant with riding on the open American roads. All claims are handled by professional adjusters who are in place to specifically deal with motorcycles.
Multi-Policy – You can save close to 30% when you insure your home, auto, bike or almost anything else together.
Multiple Motorcycle - Save between 10 and 15% when you insure multiple motorcycles.
Transfer Discount - If you opt to transfer your current motorcycle policy held with another insurer and switch to the Allstate coverage, you get a welcome discount that can help in saving close to 10%.
Good Rider – Save up to 10% when you go for 60 months without being found to be at-fault during an accident or being guilty of anything bigger than a minor traffic violation.
Motorcycle Organization – You can save close to 10% if you are a member of specific organizations. These include Motorcycle Touring Association, American Motorcycle Association, Road Riders Association, Motorcycle Safety Foundation, BMW Motorcycle Owners of America, Harley Owners Group, Honda Riders Club of America, or Gold Wing Touring.
Motorcycle Safety Course – You stand to benefit from a 5% savings if, over the past 36 months, you voluntarily passed any Allstate approved motorcycle safe driving program that contributes to safer roads.
Optional equipment.
Whether it’s a ride over the summer period, or you have decided to store away your motorcycle for the winter, you will want to insure with one of the best learner motorcycle insurance companies. The motorcycle insurance policy from Allstate not only protects your bike but yourself too. If for instance, your new motorcycle gets totaled, while there is possibly no way of replacing it emotionally, Allstate can help you replace it physically in your driveway.
Instructors from the Motorcycle Safety Foundation receive a 20% discount.
The motorcycle owners of today typically also own cars, a home, etc. When you have such components insured by a single insurer, you stand to gain considerable savings through bundling of discounts. In some cases, the umbrella insurance from Amica offers additional liability protection when such are insured jointly. Umbrella insurance from this company offers you extended liability coverage – beyond what is already covered by your single home or auto policy. Amica offers a full range of liability coverage with limits that start at $1 million.

Amica Mutual Insurance Co. is the oldest mutual auto insurer in the nation, having been founded in 1907. Based in Lincoln, Amica is a national writer of home, marine, auto, home, and umbrella insurance. They employ over 3,800 people spread across 44 offices in the country and is rated by many reviews as one of those with the best learner motorcycle insurance products and packages.
The motorcycle owners of today typically also own cars, a home, etc. When you have such components insured by a single insurer, you stand to gain considerable savings through bundling of discounts. In some cases, the umbrella insurance from Amica offers additional liability protection when such are insured jointly. Umbrella insurance from this company offers you extended liability coverage – beyond what is already covered by your single home or auto policy. Amica offers a full range of liability coverage with limits that start at $1 million.

Amica Mutual Insurance Co. is the oldest mutual auto insurer in the nation, having been founded in 1907. Based in Lincoln, Amica is a national writer of home, marine, auto, home, and umbrella insurance. They employ over 3,800 people spread across 44 offices in the country and is rated by many reviews as one of those with the best learner motorcycle insurance products and packages.

Customer Service – The licensed agents are recognized across the nation for their first-class and timely customer service and are always available to make the buying process easy for their customers. Whenever you submit a claim, the Foremost claim professionals work swiftly so as to get you riding again in the shortest time possible. This is partly explained by the fact that many of them are actually motorcycles owners and riders themselves.

The Foremost Coverages - Foremost fully appreciates that your motorcycle forms an essential component of your daily life and are ready to ensure the experience is not interrupted. That’s one reason why Foremost is ranked among the best learner motorcycle insurance providers offering packages that give any bike owner great protection.

This includes:

  • Diminishing deductible
  • First-accident waiver
  • Towing/roadside assistance designed specifically for bikes
  • Optional equipment replacement cost coverage
  • Separate safety apparel insurance coverage that can go up to $1500
  • Total loss replacement cost for bikes that are below 2 model years.

Foremost discounts include Multi-Unit, Multi-Policy, Safety Course, Preferred Operator, Prior Insurance, and Renewal. Foremost retains its rating as one of the most reputable and best learner motorcycle insurance company as it employs credit-based insurance scoring in a number of US states.


Foremost discounts include Multi-Unit, Multi-Policy, Safety Course, Preferred Operator, Prior Insurance, and Renewal. Foremost retains its rating as one of the most reputable and best learner motorcycle insurance company as it employs credit-based insurance scoring in a number of US states.