Key Takeaways
- Most riders qualify for multiple discounts, and stacking them could lower your premium.
- Discounts aren’t always applied automatically, so it’s smart to ask your insurer what you qualify for and keep documentation like course cards and membership proof ready.
- Since no two insurers offer the same discounts, comparing quotes side by side with Jerry is the best way to know you’re not leaving savings on the table.
With insurance rates going up along with everything else, every discount you can find counts. The good news is that most riders qualify for multiple discounts, and stacking them can save you hundreds of dollars each year.
See motorcycle quotes side-by-side with Jerry.
Top discounts at a glance
Not all discounts are created equal, but most can be stacked together to maximize what you save. The right combination depends on your bike, your record and how you set up your policy.
Here are four of the most impactful discounts for riders, along with what it takes to earn each one.
| Discount | How to qualify | Typical Jerry savings |
|---|---|---|
| Motorcycle safety course | Complete an approved rider training course, like the MSF Basic RiderCourse. | 1% |
| Auto bundle | Insure your motorcycle and car on the same policy. | 4% |
| Motorcycle endorsement | Add a valid motorcycle endorsement to your driver’s license. | 9% |
| Anti-theft device | Install an alarm, GPS tracker or other approved anti-theft system. | 0.6% |
Based on Jerry quote data for Progressive motorcycle policies in CA, TX, FL and GA. Savings vary by insurer, rider profile and location.
Key takeaway: Riders who add a motorcycle endorsement, bundle their auto policy, complete a safety course and install an anti-theft device can stack all four for the biggest savings.
Policy-based discounts
These discounts are based on how you structure and pay for your policy, not your riding record or the bike you own, and are often the easiest to qualify for.
📦 Bundling discount
Bundle multiple policies from the same insurer (typically motorcycle and car insurance) and you’ll earn a multi-policy discount. This is typically one of the best discounts available.
You can bundle a variety of policies beyond motorcycle and car, including home, renters, condo, boat, RV, umbrella and life insurance.
🏍️ Multi-bike discount
Insure more than one motorcycle on the same policy and you’ll typically save on each bike. If you own a daily commuter and a weekend cruiser, putting them on one policy usually beats insuring them separately.
💳 Pay in full discount
Pay your entire premium upfront instead of monthly and you’ll often be able to save. Since motorcycle premiums are typically lower than car premiums, paying in full is more attainable for many riders.
💻 Paperless and autopay discounts
Set up automatic payments from a bank account or go paperless with electronic documents, and many insurers reward you with small discounts.
🏠 Homeowner discount
Even if you don’t bundle your home insurance, simply owning a home can earn you a motorcycle insurance discount. Insurers view homeowners as more stable and lower-risk.
🅿️ Garaging discount
If you store your motorcycle in a locked garage instead of on the street or in a driveway, many insurers will lower your premium. A garage reduces the risk of theft, vandalism and weather damage, which makes your bike cheaper to insure.
The Jerry difference: Jerry automatically shops every available discount across our carriers, from safety course to anti-theft, so you get the most savings possible.
Rider-based discounts
These discounts reward your riding behavior, record and experience.
✅ Safe rider discount
Maintain a clean riding record with no accidents or violations for 3-5 years and you’ll qualify for one of the biggest discounts available.
🎓 Motorcycle safety course discount
Complete an approved rider training course, like the Motorcycle Safety Foundation (MSF) Basic RiderCourse, and most insurers will reduce your premium. Many states even waive the riding portion of the license test when you pass. New riders get a license shortcut and a discount in one shot.
🧓 Mature rider discount
Some insurers offer discounts to experienced riders over a certain age (often 50+) who complete a refresher safety course. Decades in the saddle finally pay off.
🛣️ Low mileage discount
Most motorcyclists aren’t daily drivers. If you ride fewer miles per year than average, which is typically between 3,000 to 5,000 miles, you may qualify for a low mileage discount. You may be overestimating how much you ride, so be sure to check your annual mileage to get the most accurate and affordable quote.
⭐ Loyalty discount
Stay with the same insurer for multiple years and you may earn a loyalty discount. Just don’t let loyalty stop you from shopping around. Loyalty discounts rarely beat a better base rate elsewhere.
Key takeaway: Your riding habits and history directly impact your rate. A clean record, formal training and realistic mileage estimates can all add up to major savings.
How Jerry helps you find discounts
Most motorcycle insurance shopping still works like it’s 2005: call an agent, wait for a callback, repeat for every carrier. Jerry is the only quote comparison product that lets you compare motorcycle insurance quotes and purchase your policy right in the app. No one else does this.
With Jerry, you can:
🔍 Compare multiple insurers at once. See prices and coverage options from top carriers in one place. Instead of spending hours collecting quotes, Jerry gathers them in minutes.
💻 Buy entirely online. Get covered without unwanted phone calls or spam. Jerry never sells or shares your data for marketing purposes, and we use bank level security to protect it.
💬 Get help when you need it. Questions? Jerry’s licensed agents are just a chat or phone call away, 7 days a week.
🛡️ Stay protected over time. We watch your rate, alert you when it’s time to reshop and remind you about renewals. Jerry is your insurance assistant, not just a one-time tool.
And since not all insurers offer the same discounts, comparing quotes side by side is the only way to know you’re not leaving savings on the table.
Bike-based discounts
The motorcycle you ride affects your premium, and certain features can unlock discounts.
🔒 Anti-theft device discount
Motorcycles are stolen at much higher rates than cars, so insurers reward riders who protect their bikes. Alarms, GPS trackers, disc locks and other approved anti-theft systems can all earn discounts.
🛡️ Safety features discount
Bikes equipped with anti-lock brakes (ABS), traction control or other modern safety tech often qualify for discounts. ABS in particular is a common discount trigger.
🆕 New bike discount
Newer motorcycles (typically 3 model years old or less) may qualify for discounts thanks to updated safety features.
❄️ Lay-up or seasonal discount
If your bike hibernates for the winter, many insurers offer a lay-up period that suspends or reduces collision and liability coverage during storage months while keeping comprehensive coverage active. You stay protected against theft, fire and weather damage without paying full freight for a bike that isn’t moving.
Key takeaway: Your bike’s safety features, anti-theft protection and even how long it sits in storage could earn you discounts.
Affiliation-based discounts
Your memberships, employer or military service can unlock additional savings.
🏍️ Riding association discount
Members of recognized motorcycle organizations, like the American Motorcyclist Association (AMA) or the Harley Owners Group (HOG), often qualify for discounts. Some insurers also recognize brand owner clubs and local riding groups.
🎖️ Military discount
Active duty service members, veterans, National Guard members and reservists often qualify for military discounts.
👔 Employer and group discounts
Many insurers offer discounts if you work for certain employers or belong to specific groups, alumni associations or professional organizations.
Key takeaway: Your riding club, job or military service could qualify you for exclusive discounts. Ask your insurer what affiliations they reward.
How to maximize your discounts
Getting discounts is one thing, but keeping them and actively finding new ones is another. Here’s how to make sure you’re always paying the least for your coverage.
🔄 Review discounts annually. Your eligibility for discounts can change. Review your policy at each renewal to make sure you’re getting every discount you qualify for. Jerry automatically shops for policies with discounts when yours is up for renewal.
🔄 Reshop when your life changes. Major life events like getting married, buying a home, adding a second bike or moving somewhere with a garage can all affect your rates and discount eligibility. Update your information in the Jerry app and run quotes to see your new prices in minutes.
🎓 Take the safety course, even if you don’t have to. An MSF course pays for itself in premium savings within a year or two for many riders, and it makes you a better rider. Some insurers extend the discount when you complete advanced courses, too.
🗣️ Ask, don’t assume. Many insurers don’t apply discounts automatically. When you get a quote or renew your policy, ask your insurance company specifically what discounts have been applied and which others you might qualify for. If you use Jerry, we’ll do this for you.
📁 Keep your documentation ready. Discounts for safety courses, riding associations and professional affiliations often require proof. Keep course completion cards, membership cards and certificates accessible so you can provide them quickly.
📊 Update your mileage and storage habits. If you’re riding less, storing the bike for winter or moving it into a garage, let your insurer know. You may now qualify for discounts you didn’t before.
Jerry recommends: Different insurers offer different discounts. What qualifies for a discount at one company might not at another, so shop around with Jerry to compare quotes and find your eligible discounts without the hassle of calling around yourself.
Get covered and ride confident with Jerry.
FAQ
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Are discounts automatically applied?
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Can I stack multiple discounts?
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Do I need to prove I completed a safety course?
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Should I cancel my insurance in the winter instead of using a lay-up period?
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What’s the easiest discount to get?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
