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Own a car as well as a motorcycle? You'll need the necessary insurance coverage for both vehicles. The good news is that you can save money on car and motorcycle insurance by bundling policies with the same insurance carrier.

Learn how the auto and motorcycle insurance bundle process works, the best insurance for car and motorcycle policy coverage bundling, and how to get auto and motorcycle insurance bundle quotes.

  • Bundling a policy is when you have multiple insurance policies with the same company, such as car and home insurance.
  • Other types of policies that might be bundled include motorcycle, condo, renters, life, and umbrella insurance.
  • Insurance companies generally give discounts to customers who have multiple policies with them.
  • When comparing insurers, consumers should make sure they get a complete list of discounts to figure out how much they will spend on insurance.

What does it mean to bundle insurance policies?

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."

Can I bundle car and motorcycle insurance?

Yes, and may save money on premiums by bundling car and motorcycle insurance policies. Many carriers allow an auto and motorcycle insurance policy to be bundled 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 no-brainer 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.

Additionally, "it can also be easier to renew your insurance when you have a bundled policy, as you will only need to work with one insurance company rather than multiple carriers," notes Josh Damico, vice president of insurance operations for Jerry, a Palo Alto, California-based company. 

What companies bundle car and motorcycle insurance policies?

Several insurers offer both auto and motorcycle insurance policies and allow them to be bundled. Insurance Information Institute says 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 car and motorcycle insurance coverage

Bundling motorcycle and car insurance policies is relatively easy. Follow these steps for best results:

Figure out which auto insurance companies offer bundling discounts for motorcycles

"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.

Compare car and motorcycle bundle quotes online

"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."

Choose the company that best suit your needs

"Shop around with different carriers to see which one can give you the best deal on a bundled policy. The more you search the marketplace, the more likely you can find the best bargain possible," Damico notes. "Then, determine what coverage you need, including which policies you want to bundle and the extent of the coverage you want and/or need."

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.

Frequently Asked Questions

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.

How do I choose the best car and motorcycle insurance bundle policies?

The Insurance Information Institute advises shopping around for coverage from different carriers that each offer auto and motorcycle policies. Try to work with a local insurance agent if possible or shop online and strive to get at least three quotes so that you can compare rates and multi-policy discounts and save the most money. Companies often offer a free motorcycle insurance quote.

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.

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