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How To Save Money by Bundling Car and Motorcycle Insurance

author-photoWritten by Preston Micalizio
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Preston Micalizio

Preston Micalizio writes insurance content for SmartFinancial. He brings three years of professional experience writing ...

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editor-photoEdited by Richard Murphy
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Richard Murphy

Richard Murphy manages content on SmartFinancial's website. With a strong background in content strategy and copywriting...

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Updated July 14, 2025

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Drivers with multiple vehicles can save on insurance when they bundle car and motorcycle coverage with the same company. While not all insurance companies offer this option, multi-policy discounts may reduce your rate by 10% or more — making it an easy way to lower your premium costs.

Keep reading to learn whether it makes sense to bundle car and motorcycle insurance and which companies offer discounts when you do.

Key Takeaways

  • You may be able to bundle auto and motorcycle insurance under one insurance company.
  • Multi-policy discounts for bundled car and motorcycle coverage may reduce your premium by up to 10%, depending on the insurer.
  • Bundling can streamline your experience by letting you manage claims and payments through a single app or website.
  • Not all insurance companies offer bundling discounts, and availability may vary by state — even if they sell both motorcycle and auto insurance policies.
  • Check with your current insurer to see if bundling is available, but also consider shopping around for better savings.

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Can You Bundle Car and Motorcycle Insurance?

Insurers often allow you to bundle motorcycle and auto insurance policies, meaning you keep both policies under the same insurer. In many cases, insurance companies may offer multi-policy benefits, which we’ll discuss more below. While bundling is most commonly promoted for auto and homeowners insurance, many insurers also allow bundling with other types — including renters, life and motorcycle insurance.

However, not all insurers offer a bundling discount for car and motorcycle insurance, even if they provide coverage for both. For example, State Farm offers both motorcycle and auto insurance policies, but doesn’t offer a bundle for both.[1] You may need to shop around to find an insurer that offers you benefits for bundling.

Can I Bundle Someone Else's Motorcycle With My Car Insurance?

Whether you can insure a motorcycle you don’t own depends on your state’s laws. For example, New York law requires your name to be on the vehicle’s registration to insure it.[2]

Even if your state doesn’t prohibit it, you may still need to prove insurable interest to bundle car and motorcycle insurance. For example, if you’re listed as a co-owner of your friend’s motorcycle, that may allow you to include it under your policy.[2]

What Are the Benefits of Bundling Car and Motorcycle Insurance?

One of the main reasons to bundle auto and motorcycle insurance is that it may help save you money. Insurers often reward policyholders with multi-policy discounts when they enroll in more than one policy.

For example, GEICO customers can save up to 10% by bundling car and motorcycle insurance policies.[3] The average cost of motorcycle insurance often ranges between $150 and $500 annually, so by simply keeping these two policies under one insurer, you could save up to $50 or more per year, depending on the insurer and its discount amount.[4]

Additionally, keeping your policies under one roof can make managing your insurance easier, as you’ll easily be able to check on the status of claims or ensure premium payments are made under a single app or website.

Best Car and Motorcycle Insurance Bundles

Bundling is a common discount offered by many insurance providers — and several companies allow you to bundle auto and motorcycle insurance under one policyholder.

Below is a list of some of the larger insurance companies that offer this discount:

Keep in mind that the discount for bundling can vary by insurer.

For example, bundling auto and motorcycle coverage with GEICO could save policyholders up to 10%.[3] However, other insurance companies may offer less or more, so you may need to shop around to find the best savings. Additionally, bundle discounts may not be available in every state.[9]

How To Bundle Car and Motorcycle Insurance

Start by checking with your current insurance providers to see if they offer bundle discounts for car and motorcycle insurance. If one company offers a better rate for both policies, it may make sense to consolidate coverage there. However, if you’re missing one policy — or want to explore better deals — it’s smart to compare quotes across several insurers.

Try to get quotes from at least three to five different insurance companies to get various options, including what they offer when bundling. Be prepared to provide details about your motorcycle and car, your driving history and personal information. However, this process can become tedious, as you’ll likely need to contact each insurer individually to get a quote.

You can speed up this process by using an insurance marketplace like SmartFinancial. After a quick questionnaire, we’ll connect you with a licensed insurance agent who can help you find the coverage that fits your needs. Click here for a free car insurance quote today!

Combine Auto and Motorcycle Policies and Save!

FAQs

Is it cheaper if you bundle insurance?

It may be cheaper to bundle insurance together, depending on each policy's premiums and the bundling discount. Even if an insurer offers a bundle discount, you may save more by shopping around for policies from other insurance companies.

What types of insurance can you bundle?

Depending on the insurer's offerings, you can often bundle renters, life, condo, motorcycle, home and auto insurance. You may also be able to bundle multiple policies of the same type together, such as a multi-car bundle.

Do you need motorcycle insurance if you already have an auto policy?

Yes. Auto insurance typically does not cover motorcycles.[11]

Why are motorcycles so expensive to insure?

Motorcycles can be expensive to insure if the model has high repair costs, has a low safety rating, is driven frequently, is driven in populated areas and if your driving history features accidents or other moving violations – essentially, anything that raises the risk of you making a claim.[12]

Sources

  1. State Farm. “Combine Home and Auto Insurance to Save Money.” Accessed July 11, 2025.
  2. National General. “Can I Insure A Car I Don't Own?” Accessed July 11, 2025.
  3. GEICO. “Motorcycle Insurance Discounts.” Accessed July 10, 2025.
  4. Fran Haasch Law Group. “Is a Motorcycle Cheaper on Insurance?” Accessed July 11, 2025.
  5. Allstate. “Motorcycle Insurance Discounts.” Accessed July 10, 2025.
  6. American Family. “Motorcycle Insurance Discounts.” Accessed July 10, 2025.
  7. Nationwide. “Motorcycle Insurance Discounts.” Accessed July 10, 2025.
  8. Farmers. “Motorcycle Insurance Discounts.” Accessed July 10, 2025.
  9. Liberty Mutual. “Motorcycle Insurance Quotes.” Accessed July 10, 2025.
  10. Dairyland. “Car Insurance.” Accessed July 11, 2025.
  11. State Farm. “Does Car Insurance Cover Motorcycles?” Accessed July 10, 2025.
  12. Allstate. “How Much Is Motorcycle Insurance?” Accessed July 11, 2025.
About the Author
Preston Micalizio
Preston Micalizio
Auto Insurance Expert

Preston Micalizio writes insurance content for SmartFinancial. He brings three years of professional experience writing in various industries, from higher education to e-commerce. He strives to engage with the audience, provide accurate reporting and make complex subjects easily digestible.

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