Can you bundle auto and motorcycle insurance?

Bundling simply means purchasing more than one policy from the same insurance company instead of buying separate policies from different carriers.

"Most insurers will allow policyholders to bundle policies and earn a multi-policy discount, potentially generating hundreds of dollars of savings a year on your premium," explains Mark Friedlander, St. Johns, Florida-based director of Corporate Communications at the Insurance Information Institute.

Bundling auto and home policies is the most common type of pairing. However, "you can also bundle other policies, including condo and auto, renters and auto, renters and motorcycle, condo and motorcycle, and home and umbrella," he adds. "Many carriers also allow customers to bundle life insurance with another policy if they offer life coverage."

You can also save money on premiums by bundling car and motorcycle insurance policies. Plenty of insurance companies offer a discount when you insure your car and motorcycle together.

"If your insurer offers both auto and motorcycle coverage, most likely they will allow you to bundle these and earn a multi-policy discount," Friedlander says.

Should I bundle car and motorcycle insurance?

Bundling motorcycle and car insurance policies is a good idea for most policyholders, experts agree. That's because it will almost always result in paying less money for coverage.

"Bundling car and motorcycle insurance is a great way to reduce your annual premium, possibly yielding hundreds of dollars in savings a year," adds Friedlander.

What companies bundle car and motorcycle insurance policies?

Among the national and super-regional carriers that sell both auto and motorcycle insurance and let you bundle are:


Allstate offers both auto insurance and motorcycle insurance. You may also be able to save money by taking advantage of anti-lock brake, anti-theft, early signing, responsible payer, smart student, and new-car discounts, too. 

American Family

American Family provides both motor vehicle insurance and motorcycle insurance. You may also be able to save money by capitalizing on loyalty, early bird, safe driving, good student, auto-pay, and other discounts.


Dairyland Insurance has both motorcycle insurance and auto insurance. Policyholders can also lower their bills by qualifying for advanced quote, transfer, payment frequency, defensive driving, and anti-theft discounts.


Farmers Insurance policyholders can opt for auto insurance as well as motorcycle insurance and lower their bills further by taking advantage of discounts for safe driving and using its Signal smartphone app.


Geico is renowned for its motorcycle insurance and auto insurance. If you want to decrease your insurance costs even more, learn about Geico's insurance discounts based on vehicle equipment, driving history and habits, driver's education, driver affiliations, and customer loyalty.

Liberty Mutual

Liberty Mutual offers auto insurance as well as motorcycle insurance. Discounts available through this carrier include military, homeowner, early shopper, good student, and student-away-at-school discounts.


Nationwide has auto insurance and motorcycle insurance coverage available. To further lower your costs, look into Nationwide's discounts offered for low-mileage, anti-theft, safe driver, defensive driving, easy pay signup, good student, accident-free, and more.


PEMCO is another carrier providing motorcycle insurance and auto insurance policies. Among its discounts available are airbags/car alarm, good student, defensive driver, accident forgiveness, loyalty, and educator discounts.


Progressive is known for its auto insurance and motorcycle insurance coverage. Progressive discounts include those for safe driver, continuous insurance, good student, teen driver, homeowner, online signup, pay in full, and automatic payment.

Find out more about discounts for auto insurance.

How to bundle auto and motorcycle insurance coverage

Bundling motorcycle and car insurance policies is relatively easy, and can be done in a few steps. Here's how to find the best auto and motorcycle insurance bundle.

1. Figure out which auto insurance companies offer bundling discounts for motorcycles

You can find the information you need online, or talk to a local agent. "Work with an insurance agent to request quotes from various insurers. This will allow you to see who can give you the best pricing for your desired coverage options," says Rebecca Sheena, an agent with Meadowbrook Insurance Agency in Southfield, Michigan.

2. Compare car and motorcycle bundle quotes online

Get as many quotes as you can to find the best deal. "It's always best to compare premium costs and discounts among several different carriers," suggests Friedlander. "The Insurance Information Institute recommends you shop for coverage when planning to bundle auto and motorcycle policies. Aim to get a minimum of three quotes so you can compare rates and multi-policy discounts."

3. Choose the company that best suit your needs

Compare quotes as well as coverage options and the company's reputation. Then choose the insurance company that works best for you.

How much can you save on car and motorcycle insurance by bundling?

You can typically earn a 5 to 10% discount on your annual premium by bundling auto and motorcycle coverage, says Friedlander.

"Some insurers may offer additional discounts, such as an extra 5 to 10% off just for switching your motorcycle coverage to them from another carrier," he adds.

Auto insurance FAQs

Is bundling car insurance and motorcycle insurance policies worth it?

Bundling car and motorcycle insurance policies with one carrier is a smart idea if the insurer offers a bundled policies discount that will result in you paying less than you would otherwise. Friedlander says bundling with the same insurer is almost always worth it unless you can get lower-cost coverage by purchasing policies from separate insurers, which requires shopping around to determine the most affordable motorcycle insurance and car coverage.

What does a motorcycle insurance policy cover?

Motorcycle insurance is similar to car insurance. Motorcycle insurance coverages include collision coverage, liability coverage, comprehensive coverage, property damage, bodily injury, and personal injury protection. You may also be able to get additional coverage, such as roadside assistance.

It's wise to get a motorcycle insurance quote from multiple insurance companies. That way, you may be able to find a cheap motorcycle insurance policy that you can pair with an auto policy and fits your specific needs. Having enough coverage can be key to protecting you and your finances if you're legally responsible in an accident.