Cruiser Motorcycle Insurance

Get cruiser motorcycle insurance starting as low as $75/year for a liability policy*

Cruisers are classic-style motorcycles and the most common type of bike. At Progressive, we insure 1 out of every 3 bikes on the road and we make getting cruiser motorcycle insurance quick, easy, and affordable. Quote cruiser bike insurance now and start cruising the open road today!

We insure the most common brand cruisers including, Harley-Davidson, Indian, Honda, Kawasaki, Suzuki, Triumph and Yamaha.

Do you need cruiser bike insurance?

Most states will require you to have motorcycle liability insurance to legally ride on the road. We'll always make certain your policy meets your state's motorcycle insurance requirements. Additionally, you'll likely want to protect your motorcycle if it's damaged in an accident, especially if you've invested time and money into your cruiser.

How much does cruiser insurance cost?

At Progressive, we can get you on the road and riding today with rates for liability coverage starting as low as $75/year.* Your rate may vary based on the size and style of your cruiser, location, coverage selection, and other factors. That's why we offer plenty of motorcycle insurance discounts to help you get the best cruiser insurance possible at a price you can afford.

Learn more about factors that impact motorcycle insurance cost.

What does cruiser motorcycle insurance cover?

At Progressive, we offer a wide array of motorcycle insurance coverages to keep you and your bike protected. Check out some of the most popular cruiser coverages below.

Comprehensive & collision

If your bike is damaged from an event out of your control, like motorcycle theft or hitting an animal, motorcycle comprehensive coverage can pay to repair or replace it. Collision coverage for your motorcycle can pay for damages to your cruiser if you collide with another vehicle or object, regardless of fault.

Accessories and custom parts/equipment

It's common for riders to customize their cruisers, so we offer a special accessory coverage that pays for up to $3,000 worth of customized parts and is automatically included if you carry comprehensive and collision. You can purchase additional accessory coverage up to $30,000.

Full value for replacement parts

If your bike is damaged in an accident, we'll repair it to pre-accident condition or better. For example, you paid $200 for your front tire, but it may have a depreciated value of $100. If it's damaged in a covered accident, we'll pay for the cost of a brand-new tire (similar model).

Total loss coverage

If your bike is no more than one model year old and totaled in a covered loss, you'll be reimbursed for the full manufacturer's suggested retail price. If your bike model is more than 3 years old and is totaled, we'll pay you the actual cash value of your cruiser. Learn more about what happens if you total your motorcycle.

Tips for quoting cruiser bike insurance

  • Know the make, model, and year of your cruiser for a more accurate quote; you'll need the vehicle identification number (VIN) to purchase a policy
  • Add any possible drivers that may ride your bike to your quote
  • Disclose any enhancements or modifications you made to your bike's engine
  • Taking a motorcycle training course may help you qualify for a discount
Two motorcycles riding away from the camera in a desert.

Join the #1 motorcycle insurer for cruiser insurance

Get a quoteOr, call 1-855-347-3939