Bundling motorcycle insurance with your home or auto policies can provide meaningful savings while simplifying your coverage management. Most insurance companies offer multi-policy discounts when you combine motorcycle insurance with other policies, potentially saving hundreds of dollars yearly. However, bundling isn't always the best choice—sometimes separate policies from different insurers cost less overall. The sweet spot? When you're already happy with your current insurer's rates and service, own multiple vehicles or properties, and value the convenience of managing everything in one place. Smart riders compare both bundled and separate quotes before deciding.
Bundling means purchasing your motorcycle insurance from the same company that covers your home, auto, RV, or other properties—earning you a multi-policy discount on both policies.
Think of it like this: insurance companies love loyal customers who bring multiple policies to the table. 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. You're essentially getting a bulk discount for shopping at the same store.
Here's what actually happens when you bundle:
Real-world example: Let's say your standalone motorcycle insurance costs $400 annually and your auto insurance runs $1,200. With a 10% bundling discount, you'd save $160 per year—enough for a nice weekend ride with fuel and food covered.
At many insurance companies, riders can save 5% or more by combining auto and motorcycle insurance policies.
Based on current market research, bundling discounts from major insurers typically range from 5% to 25%, depending on the company and which policies you combine. The exact savings depend on your specific situation, location, and coverage needs.
Why the savings vary: Insurance companies calculate discounts differently, and your personal factors, like driving record, location, and vehicle types, all influence the final numbers. That's why smart riders always compare multiple options.
The reality check: While bundling often provides meaningful savings, you shouldn't assume it's automatically cheaper. Sometimes, separate policies from different insurers cost less overall, even without bundling discounts.
Bundling works best when you already own multiple vehicles or properties, are satisfied with your current insurer's service, and value simplified policy management over hunting for the absolute lowest rates.
You're a prime candidate for bundling if:
Perfect bundling scenario: You're a weekend warrior who owns a home, a daily driver, and an adventure bike. Your current home and auto insurer offers competitive motorcycle rates with a meaningful bundling discount. You get excellent service, simplified billing, and real savings—no need to overthink it.
Just like smart riders who follow proven safety practices to protect themselves on the road, choosing the right insurance bundle protects your finances and simplifies your life.
Don't bundle if separate policies from different insurers cost significantly less overall, or if your preferred insurer doesn't offer the specialized motorcycle coverage you need.
Red flags that suggest separate policies might be better:
The convenience trap: bundling gives you fewer choices. Perhaps Company A has great homeowners coverage but doesn't offer Replacement Value coverage for its auto policy. Don't sacrifice coverage quality for convenience.
Bottom line: Always compare. Get quotes for both bundled and separate policies. Sometimes the math just doesn't work in bundling's favour, and that's okay.
According to the Insurance Information Institute, "To be sure you're getting the best price, make certain any combined price from one insurer is lower than buying the coverages separately from different companies." This advice becomes especially important for adventure riders who may need specialized recreational vehicle coverage that not all insurers offer at competitive rates.
Get written quotes for both bundled and separate policies from at least three companies, then compare total annual costs, including all discounts and coverage levels.
Your comparison checklist:
Pro tip: Compare several quotes for auto and bike insurance bundles to find the coverage you want at the lowest rates. As industry experts recommend, "To avoid any concerns about losing out on the best rates by bundling, you can shop around for insurance policies and compare rates to ensure that bundling with one company makes the most sense." Don't forget to ask each company about their claims process and customer service reputation—cheap isn't always better when you need help.
Most major insurers let you bundle motorcycle insurance with auto, home, RV, boat, and even life insurance policies for additional multi-policy savings.
Common bundling combinations:
Advanced bundling strategies:
What you can't usually bundle: Health insurance, most commercial policies, or coverage from companies that only offer one type of insurance.
Don't let insurance decisions keep you off the road. Whether bundling makes sense for your situation or separate policies offer better value, the right coverage protects your adventures and your wallet.
Get rolling with confidence. Our insurance specialists understand the unique needs of adventure riders and can help you compare bundled and separate policy options. We'll crunch the numbers so you can focus on planning your next ride.
Contact Us to Get Your Personalized Quote Today - Compare bundled and separate motorcycle insurance options in minutes. No pressure, just straight talk about what works best for your riding lifestyle.
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