Custom Motorcycle Insurance
Get custom motorcycle insurance for as low as $75/year for a liability policy*
Custom built motorcycles come in all shapes and sizes. Whether it's a custom chopper or a specialty motorcycle, custom bikes are truly one-of-a-kind. They can be pre-built, customized by a shop, or built by you personally. If your bike is listed in the NADA Appraisal Guide, you can get all of our motorcycle insurance coverages when you quote custom bike insurance today!
Our coverage applies to most bike manufacturers, including: Honda, Harley-Davidson, Yamaha, Kawasaki, Indian, BMW, Suzuki, and Aprilia.
Please note: If your custom motorcycle is not listed in the NADA Appraisal Guide, or is built from a kit or individual parts, we only offer liability coverage for your bike. Here are some common examples of bikes we won't be able to insure for physical damage: Kit/homemade, non-factory built, or composite, original frame has been replaced; state-assigned VIN; and rebuilt or retitled.
Do you need custom motorcycle insurance?
Most states require motorcycle liability coverage to be legal on the road. At Progressive, we'll make sure your policy meets all your state's motorcycle insurance requirements.
How much does custom motorcycle insurance cost?
With tons of motorcycle insurance discounts and instant savings for quoting custom motorcycle insurance, you can get a liability policy today for as low as $75/year.*
Learn more about the cost of motorcycle insurance.
What does custom motorcycle insurance cover?
Progressive protects you and your custom bike with the same motorcycle insurance coverages we offer for standard motorcycles.
Bodily injury & property damage liability
Included in your policy and pays for any damage to other bikes, property (signs, fences, etc.) and covers injuries to other riders, up to your policy limits. It can also help you pay for legal expenses if you're ever sued.
Comprehensive and collision
Comprehensive insurance for your motorcycle pays for damage to your bike from flooding, hitting an animal, and other events beyond your control. Comprehensive also covers motorcycle theft and vandalism. Motorcycle collision coverage pays to repair or replace your custom bike if it's damaged in an accident, regardless of fault.
OEM parts
If you use Original Equipment Manufacturer (OEM) parts on your bike, we’ll use the same parts or better to repair the damages.
Carried Contents® for your personal belongings
Covers personal belongings in the event of a covered loss, including your phone.
Accessories and custom parts/equipment
You get $3,000 of accessory coverage included in our comprehensive and collision coverage on your custom motorcycle less than 25 years old. If that's not enough, you can purchase additional coverage up to $30,000 in total. Plus, our accessory coverage never depreciates any of your customized parts. However, your bike must be listed with resale values in the NADA Appraisal Guide.
Tips for quoting custom bike insurance
- Increasing your deductible can decrease the amount of your premium
- Completing a motorcycle training course may help you qualify for a discount
- Earn a multi-policy discount when you bundle your motorcycle insurance with your car, home, renters, RV, or boat insurance
- Disclose any modification you've made to your bike, like a turbo or nitrous oxide kit
