Car and motorcycle insurance bundle

You can save money on both your car and motorcycle insurance by bundling, or purchasing both policies together from the same insurance company.

Stephanie Nieves author photo


Stephanie Nieves

Stephanie Nieves

Property and Casualty Insurance Expert

Stephanie Nieves is an insurance editor at Policygenius in New York City, specializing in home and auto insurance. Her work has appeared in Business Insider, PayScale, Fairygodboss, and The Muse.

Published November 2, 2020|6 min read

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If you have a car and a motorcycle, you need insurance for them. Buying both policies from the same company, or bundling, can save you money, since most major insurance companies offer bundling discounts.

Bundling your car and motorcycle insurance means purchasing each policy from the same insurance company. You’ll still get two separate car and motorcycle policies, with their own limits, deductibles, and exclusions, but bundling the policies together will save you money on your premiums.

If you’re shopping for auto and motorcycle insurance together, you should still shop around and compare bundles as well as standalone policies, in case you can save more by buying the policies separately.

Key Takeaways

  • An insurance bundle is when you purchase multiple policies though the same company

  • Most major insurance companies offer a discount when you bundle policies

  • Bundling car and motorcycle insurance can save help you save money on your premiums and you can gain access to both your insurance policies with a single call or log-in

  • You should still shop around in case you can save more money by buying policies separately rather than bundling

Can I bundle car and motorcycle insurance?

When you sign up for insurance, most insurance companies offer the option to insure more than one property type with them. This is usually true for home and auto insurance, but you can also insure your car and motorcycle under separate policies with a single carrier.

Many companies make it easy to bundle your auto insurance with insurance for your dirt bike, golf cart, segway, ATV, or moped in addition to motorcycle insurance. You can also bundle a renters insurance policy or a home insurance policy on top of that for even more overall savings.

Should I bundle car and motorcycle insurance?

If you own a car and a motorcycle, then bundling your car and motorcycle insurance is usually a great idea. You would need to insure both vehicles anyway, and insurance companies will usually make it worth your while to purchase more than one policy from them. There are several benefits to bundling multiple property types with a single insurance company, many of which save you time and money in the long run:

Bundling saves you money

Many insurance companies offer discounts when you bundle your car and motorcycle insurance with them (or any other property insurance for that matter). Customers can typically save as much as 30% on their insurance premiums for purchasing multiple policies with an insurance company, and the more assets you insure, the more you may be able to save.

In the event that both your car and motorcycle are damaged, say they are keyed and defaced overnight, you may only need to pay a single deductible when you go to file a claim. This means that instead of paying two separate deductibles for two separate claims, you may only need to pay that deductible one time for your coverage to kick in.

Bundling is convenient

Bundling your car and motorcycle insurance also means you can access both your policies whenever you contact your insurance company. With access to both your policies, you can review your coverages, make payments, and file a claim all in the same place.

You’ll also never have to worry about which insurance company to call when it’s time to file a claim for your car or motorcycle, and you save yourself from having to explain your financial situation to multiple providers. If an insurance agent is already familiar with your property assets and named insureds, they can more easily recommend policies, apply discounts, and modify your coverage based on your needs.

You may miss out on better deals

Bundling your car and motorcycle insurance can save you money on your premiums, but it’s not always the best deal. Every now and then, you should shop around for better bundling packages or better coverage for both vehicles with separate providers. Even just switching insurance companies can help you save.

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Shopping around for a car and motorcycle insurance bundle

Whether you’re applying for insurance online or over the phone, you’ll have the option of bundling multiple property types and getting two or more policies at once. Just like when you’re shopping for a single insurance policy, you should compare coverage and policies from multiple carriers before you decide on a bundle.

If you’re applying for both car and motorcycle insurance together, you should have all your personal information at the ready as well as information about your property, including your car and bike’s make and models and their vehicle identification numbers.

An independent insurance agent can help you decide between bundles, or choose between bundling your car and motorcycle insurance or finding exclusive carriers for each vehicle based on your financial situation and coverage needs.

What insurance companies bundle auto and motorcycle insurance?

Not every insurance company offers motorcycle coverage, but you can bundle car and motorcycle insurance, as well as coverage for other property types, with the following companies:


Not only do you get a discount for bundling your car and motorcycle insurance with Acuity, but you can also add coverage for watercraft, snowmobiles, ATVs, and RVs which will unlock even more chances to save. Of the 700+ reviews on Trustpilot, 87% of policyowners rated the company “Great” or Excellent,” making Acuity a leading company when it comes to customer satisfaction.

Read our full review of Acuity here

American Family

American Family offers an impressive list of discounts, including an opportunity to save when you bundle your insurance. Policyholders who bundle auto and motorcycle insurance, in particular, are also entitled to a collision deductible waiver that will excuse the less expensive deductible when your car and motorcycle are damaged in the same incident.

Read our full review of Acuity here


In addition to a discount for bundling car and motorcycle insurance, Amica also offers discounts for every additional motorcycle you insure with them. According to the company, you can also save up to 25% by insuring two or more vehicles, and an extra 30% when you combine your auto insurance with other property assets, such as homeowners insurance.

Read our full review of Amica here


You’re eligible for a number of discounts when you switch to GEICO insurance, including 10% off when you transfer your motorcycle insurance from another insurer, 20% off for active Motorcycle Safety Foundation instructors, and an extra 5% for bundling your car and motorcycle insurance policies with them.

Read our full review of GEICO here


MetLife offers coverage for motorcycles & recreational vehicles, which extends protection beyond your motorcycle to any dirt bikes, motorhomes, travel trailers, and golf carts you may own. Unlike many other property insurers, MetLife is available in all 50 states and rates are locked-in for a full 12 months when you sign up, compared to a six-month policy.

Read our full review of MetLife here


Nationwide customers can add up to 12 motorcycles to their insurance policy, and earn a motorcycle insurance discount for bundling multiple vehicles. The vanishing deductible discount also subtracts $100 from your deductible for every year of safe driving, meaning after five years, you could potentially be exempt from having to pay a deductible when you file a claim.

Read our full review of Nationwide here


A child company of Liberty Mutual insurance, Safeco offers a host of unique discounts and a customer satisfaction experience that compares to major companies like GEICO. For remaining claim-free, you can decrease your collision deductible by $100 when it’s time to renew your policy, and safe motorcycle drivers earn $1,000 (per person, per incident) on motorcycle gear replacements at no extra cost with no deductible.

Read our full review of Safeco here