Can I put my motorcycle on my car insurance policy?

In most cases, no. A standard auto policy does not cover a motorcycle, so you need a motorcycle policy of your own. Some carriers do offer a policy endorsement that adds limited motorcycle coverage to an auto policy, but it generally holds you to your auto policy's limits and does not cover custom parts. Bundling is the more common route, and it means the same insurer writes both policies rather than merging them into one.

How much do you save bundling car and motorcycle insurance?

Jerry quote data shows up to 4% off the motorcycle premium. Carriers differ in whether they apply the multi-policy credit to the bike, the car or both, and because car premiums are typically higher, a credit on the car side can be worth more in dollars. What matters is the combined total of both policies after all discounts, which is what Jerry shows you.

Do all insurers that sell both car and motorcycle insurance offer a bundle discount?

No. Some carriers write both products without offering a multi-policy credit for that specific combination. Ask directly rather than assuming, and check that the credit appears on your declarations page.

Do my car and motorcycle policies have to renew on the same date?

No, though many insurers will align them for you when you bundle, which makes renewals easier to track. If the dates stay separate, just make sure neither policy lapses when you switch.

What is the difference between a multi-policy and a multi-bike discount?

A multi-policy discount is what you earn for bundling different types of insurance, like a car policy and a motorcycle policy. A multi-bike discount is what you earn for insuring two or more motorcycles on the same policy. You can often qualify for both at the same time.

What else can I bundle with motorcycle insurance?

Most carriers let you bundle motorcycle with home, renters, condo, boat, RV, umbrella and life insurance in addition to car. The multi-policy discount often increases with each policy you add.

Can I unbundle later if I find a cheaper motorcycle policy?

Yes, but check what it does to the other policy first. If your credit is applied to the auto side, dropping the bike removes it, so the real comparison is the new standalone motorcycle premium against your current bike premium plus whatever your car premium goes up.

Bundling Car and Motorcycle Insurance: How It Works and What You Save

Key Takeaways

Your car and your motorcycle each need their own policy, so bundling means buying both from the same insurer.

Jerry quote data shows riders save up to 4% on their motorcycle premium by bundling with a car policy.

You can compare motorcycle quotes and bundle your coverage right in the Jerry app, with discounts you qualify for applied automatically.

Bundling car and motorcycle insurance means buying both policies from the same insurance company, often earning you a multi-policy discount in return. It is one of the easiest discounts to qualify for, because you do not have to change how you ride, what you ride or where you park. You just have to buy both policies in the same place.

Jerry has helped 9,591 riders compare motorcycle quotes side by side in the last year, and find the discounts they qualify for. Here is how bundling works, what it saves and how to tell whether it is the right move for you.

See motorcycle quotes side-by-side with Jerry.

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How bundling car and motorcycle insurance works

Before you shop, it helps to know exactly how you are bundling, since motorcycle insurance requires its own policy.

Your car insurance policy typically does not cover your motorcycle. A bike is not a listed vehicle you can add to an auto policy the way you would add a second car. Motorcycles are underwritten differently and need a separate policy, and in nearly every state it is illegal to ride uncovered.

A small number of carriers will add limited motorcycle coverage to your auto policy as a policy endorsement rather than writing a separate policy, but it’s usually capped at your auto policy’s limits and leaves custom parts uncovered.

When you bundle, one insurer writes both your car and motorcycle coverage. Here’s how it works:

Your coverage stays separate. Each policy keeps its own coverages, limits and deductibles. A claim on the bike is paid by your motorcycle policy and doesn’t touch your car insurance policy’s coverage limits.
Your discounts stack. The multi-policy credit applies on top of other discounts you qualify for, like a license endorsement or a safety course.
Your billing gets simpler. You have one account to manage, which means one bill and one number to call for either policy.

Why it matters: Riders might assume bundling means the bike is covered by a car policy, but that is not the case unless you’ve specifically added a motorcycle endorsement.

How much you can save by bundling

Based on Jerry’s quote data, bundling a motorcycle with a car policy saves riders up to 4% on the motorcycle premium. Here is how that compares to the other discounts available to riders.

Discount	How to qualify	Typical Jerry savings
Motorcycle endorsement	Add a valid motorcycle endorsement to your driver’s license.	9%
Auto bundle	Insure your motorcycle and car with the same company.	4%
Motorcycle safety course	Complete an approved rider training course, like the MSF Basic RiderCourse.	1%
Anti-theft device	Install an alarm, GPS tracker or other approved anti-theft system.	1%

Based on Jerry customer quote data. Savings depend on coverage, carrier, location and other factors. Actual savings will vary.

How Jerry bundles your car and motorcycle coverage

Most motorcycle insurance shopping still works like it is 2005. Call an agent, wait for a callback, repeat for every carrier, and hope somebody remembers to apply your discounts. Jerry is the only insurance shopping tool that lets you compare motorcycle insurance quotes and buy your policy right in the app.

With Jerry, you can:

🔍 Compare multiple quotes. Enter your details once and see what each carrier charges.

💻 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 about custom parts limits or lay-up terms? Jerry’s licensed agents are a chat or phone call away, 7 days a week.

🛡️ Stay protected over time. We watch your rate, alert you when it is time to reshop and remind you about renewals. Jerry is your insurance assistant, not just a one-time tool.

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Should you bundle car and motorcycle insurance?

Bundling makes sense for a lot of riders, but not everyone. Here is how to know if it’s best for you.

Consider bundling if:

Your car premium is high. If your insurer applies the credit to the auto policy, a percentage off a high premium may be worth it. Riders with a newer financed car, a teen driver on the policy or full coverage on two cars may save the most.
You want one point of contact for claims. If a single incident damages both vehicles, one insurer handling both claims can simplify the process.
You have other policies to stack. The discount often grows with each policy you add to the account.

You may be better off with separate insurers if:

You ride a pricey bike. Sport bikes, heavily modified builds, vintage bikes and trikes get priced very differently from carrier to carrier, and specialty motorcycle carriers often underwrite them better than the big auto companies.
You have a lot of custom parts. Most policies include a small built-in limit for aftermarket parts, often around $3,000. If your upgrades are worth more than that, you need a carrier offering custom parts and equipment coverage at the limits you actually need.
You want rider-specific add-ons. Safety apparel coverage, motorcycle-appropriate roadside assistance and guest passenger liability are not offered by every company.

Jerry recommends: Most riders benefit from getting quotes for both bundled policies and a separate motorcycle policy from a different insurer to see what the best rates are. Jerry can do this all for you in the app, so you don’t have to go through the process yourself.

Get covered and ride confident with Jerry.

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FAQ

Can I put my motorcycle on my car insurance policy?

In most cases, no. A standard auto policy does not cover a motorcycle, so you need a motorcycle policy of your own. Some carriers do offer a policy endorsement that adds limited motorcycle coverage to an auto policy, but it generally holds you to your auto policy’s limits and does not cover custom parts. Bundling is the more common route, and it means the same insurer writes both policies rather than merging them into one.
How much do you save bundling car and motorcycle insurance?

Jerry quote data shows up to 4% off the motorcycle premium. Carriers differ in whether they apply the multi-policy credit to the bike, the car or both, and because car premiums are typically higher, a credit on the car side can be worth more in dollars. What matters is the combined total of both policies after all discounts, which is what Jerry shows you.
Is bundling always cheaper than two separate policies?

No. Average full coverage motorcycle premiums in Jerry’s data range from $45 to $196 a month depending on the carrier, and no bundle discount overcomes a gap that wide. If your car carrier prices motorcycles poorly, two standalone policies might cost less.
Do all insurers that sell both car and motorcycle insurance offer a bundle discount?

No. Some carriers write both products without offering a multi-policy credit for that specific combination. Ask directly rather than assuming, and check that the credit appears on your declarations page.
Do my car and motorcycle policies have to renew on the same date?

No, though many insurers will align them for you when you bundle, which makes renewals easier to track. If the dates stay separate, just make sure neither policy lapses when you switch.
What is the difference between a multi-policy and a multi-bike discount?

A multi-policy discount is what you earn for bundling different types of insurance, like a car policy and a motorcycle policy. A multi-bike discount is what you earn for insuring two or more motorcycles on the same policy. You can often qualify for both at the same time.
What else can I bundle with motorcycle insurance?

Most carriers let you bundle motorcycle with home, renters, condo, boat, RV, umbrella and life insurance in addition to car. The multi-policy discount often increases with each policy you add.
Can I unbundle later if I find a cheaper motorcycle policy?

Yes, but check what it does to the other policy first. If your credit is applied to the auto side, dropping the bike removes it, so the real comparison is the new standalone motorcycle premium against your current bike premium plus whatever your car premium goes up.

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Ben Moore

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.