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Motorcycle Insurance Discounts

Motorcycle Insurance Discounts save money

Rider Insurance offers numerous Motorcycle Insurance and ATV/Off-Road Insurance Discounts to help you save money. Motorcycle insurance discounts vary by state, click your state to see which specific insurance discounts are available.

Motorcycles Only Sign on fence

Preferred Operator Discount

A discount is offered to any applicant with a motorcycle driver license, age 26 and over, with a clean driving record, insuring a non-sport / non-high performance motorcycle, 576cc and over, with physical damage coverage.

Sport Bike Safe Driver Discount

A discount is offered to any applicant, age 35 and over with a clean driving record, who is insuring a sport / high performance motorcycle, 551ccs and over with physical damage coverage.

Transfer Discount

A motorcycle insurance discount is applied to any policy transferring coverage from another insurance company, with no more than a 180-day lapse in coverage. Prior insurance policy number is required.

Multiple Bike Discount

Discount percentage varies based on the number of vehicles and operators listed on the policy.

Loyalty Discount

A discount is applied to all policies renewing with no lapse in coverage. Policies that go under notice more than twice in the prior term are not eligible for this discount.

Home owner Discount

A discount is applied to all home owners.

Advanced Quote Discount

A discount is applied to all new policies secured at least 5 days before policy effective date.

Military Discount

A discount applied to all active and former military personnel.

Riding Group Discount

A discount is applied to any policy with a current affiliation with any of the following: HOG, GWRRA, American Legion Riders, LAMA, Red Knights, ABATE, USAA, Rider Employee or AMA. Membership number is required.

Claims-Free Discount

A discount is applied to all renewal policies with no losses the prior 3 years with Rider.

Rider Experience Discount

A discount of is applied on policies with operators with at least 3 years of on road riding experience.

Smart Rider Discount

A discount is applied to each vehicle to which an applicant with no tickets and no at fault accidents within the last 3 years is assigned.

Anti-Lock Brake Discount

A discount is applied on all vehicles with anti-lock brakes. Automatically applied based on Highway Loss Data Institute (HLDI) database.

Anti-Theft Discount

A discount is applied to the comprehensive coverage on all vehicles with a permanently installed anti-theft device.

Safety Course Discount

A discount is applied to each vehicle to which an applicant who has completed a safety course is assigned. A completion certificate must be provided. Discount is good for 3 years from completion date.

Safety Instructor Course Discount

A discount is applied to each vehicle to which an applicant who has completed a safety instructor course is assigned. A completion certificate must be provided. Discount is good for 2 years from completion date. If this discount applies then the safety course discount does not also apply.

Motorcycle Driver’s License Discount

A discount is applied to the vehicle(s) to which an applicant who has a valid motorcycle endorsement is assigned. Discount varies based on vehicle type.

Motorcycle Insurance Quotes

Getting a motorcycle insurance quote from Rider Insurance is quick and simple.

Motorcycle Insurance Quote