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Rider Insurance Review & Complaints: Motorcycle Insurance

Rider Insurance caters to motorcycles, ATVS, and other recreational vehicles with their wide range of auto insurance policies. Our Rider Insurance review gives the company a positive review for motorcycle riders looking for full coverage motorcycle insurance at affordable rates. You can compare Rider Insurance quotes in our free tool below.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 16, 2020

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As the name implies, Rider Insurance caters to riders of motorcycles, ATVs, and other similar vehicles. Based in New Jersey, they offer coverage in a handful of states and expect further expansion in the future.

About Rider Insurance

Rider Insurance was founded in New Jersey in 1971 by a motorcycle enthusiast with the goal of providing insurance specifically designed for the needs of motorcycle riders. They have since expanded to cover eight states, including Delaware, Indiana, Maryland, Michigan, Pennsylvania, Ohio, and Virginia.

They also offer coverage for scooters, mopeds, ATVs, and other off-road vehicles. Products are sold by agents in the eight states where Rider is licensed. The company plans further expansion in the near future.

As a motorcycle-focused company, Rider is involved in the biker community and also works with many charities, partnering with other motorcycle enthusiast groups across the nation. These include annual motorcycle charity rides.

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Rider Insurance Products

Rider’s flagship product is of course its motorcycle insurance package policy. This policy is available to a much wider range of bikes than those covered by the average auto insurance company. This list includes:

  • Cruisers
  • Sportbikes
  • Motocross
  • Touring
  • Trikes
  • Custom
  • ATV/Off-road
  • Mopeds
  • Scooters
  • Reconstructed bikes

Package policies include all of the basics of liability and damage protection as well as the Rider Accessory Package, which covers accessories and add-ons. This package is generally not offered on sport bikes.

Included with comprehensive and collision package policies are trailer coverage, helmet and safety equipment coverage, and even basic trip interruption coverage.

All of the different vehicles they insure appear to fall under their motorcycle insurance umbrella, including the off-road vehicles such as ATVs and trail bikes they insure. This differs from some other companies that treat these vehicles as a specialty.

There are a wide variety of non-vehicle transportation alternatives. To learn about some top picks from real users, check out this useful article by Your Parking Space.


Rider Insurance does offer online quoting. We ran a quote for a 30-year-old rider in Rider’s headquarters zip code. We selected a 2018 Harley-Davidson FLHR Road King as our sample bike. The site requires that you enter a great deal of personal information, including full name, address, email address, and a phone number which may result in solicitation.

The returned rates were either base level liability at the legal minimum for $180.03 a year, or a full coverage policy with 100/300 bodily injury limits and $500 comprehensive and collision deductibles at $645.81 a year. The site also allows for customization of the quote.

Rider does promise low-cost insurance and a variety of discounts are available. Bear in mind that buying insurance from a one-product company means you might miss out on multi-policy discounts a larger insurance company might provide. These discounts should be factored into any rate comparison.


Claims can be filed over the phone 24 hours a day, or they can be filed using Rider’s online claims filing system.

Claims forms can also be downloaded from a state-specific list of options, although it is not indicated how they should be sent in.

Rider does not appear to have a preferred network of repair facilities, for claims.  It seems the insured can select any licensed repair facility.

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Ratings and Consumer Reviews

Rider Insurance has an A+ rating with the Better Business Bureau (BBB), with only two complaints on file in the past three years.

The company’s Facebook page has a total of 464 reviews. Of those, 259 are five-star reviews. The rest are fairly evenly split among the other star levels, with 43 one-star reviews. Reviews tout good rates, with some complaints about difficulty with claims and customer service. Overall, they seem to have a good reputation in the motorcycle community.

The Bottom Line

For bikers who want a motorcycle-centric company that is dedicated to their community, Rider might be a good choice. There is not a lot of detail online regarding their plans, but they appear to offer good package policies and have a solid reputation.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Rider Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Rider MC insurance is not for the insured any longer.

    I had a shop next to mine used compound on cars outside with a high-speed buffer in the morning on a 97-degree day I did not see the spray all over my Ultra Limited until 4 in the afternoon.

    Contacted Rider they said simple wet sand and buff out would take care of it.

    $100.00 is what they offered.

    I have hundreds of pinhole pits through my clear coat and they want to wet sand my clear coat off and just polish.

    I’ve been with rider for years and this is not what I’d expect from an insurance company.

    I’d give Rider a BIG O

  2. They have been terrible in handling my claim (I was in an accident with one of their insured parties). The lady handling the medical side has been nothing but rude to me and I am the innocent party. Both the property and medical claims adjustors fail to close the case and have made every excuse in the book as to why they won’t accept liability even though their insured was ticketed by police for careless driving. In addition, they have zero compassion for an innocent injured party. I am not a difficult customer. I am just a normal, injured American that wants to close this case and move on with my life. They refuse. I would never recommend them to anyone and I hope and pray they change their ways because customers deserve better.

  3. This company is a joke! I dropped my bike barely any damage and they totaled it out? What! Now I’ve been waiting a month and still no check? They picked the bike up quickly though. What a shame.and let’s not forget there are more money then everyone else too. Don’t believe me call around. I didn’t ask for this company a insurance agent set me up with them cause they don’t handle Mc insurance. Worst choice ever!

  4. Horrible experience! Horrible when I first acquired their insurance, through an agent. They immediately surcharged me 20% for an accident, where I was not at fault, driver ran a red light turning directly into my front wheel. Never contacted me or my agent to determine the facts or request the police report. Continually sends third party emails, just what I want to pay a company to harass me with unwanted spam. I added second mc to my policy and my premium doubled no discount, I can’t ride both bikes at once. Never sent me an Invoice then canceled policy when my policy was paid in full. Contacted about the ridiculous premium they suggested I cancel my full coverage and just switch my coverage everytime I want to ride the other bike … ok so I’d have no coverage should someone steal my bike or if my house burnt down. Great advice from my insurance company! Furthermore since I have two bikes they might have suggested I lower my coverage and stack the policy thereby giving me the same coverage. Repeatedly requested management, which it was originally a manager who suggested I drop the full coverage, but refused. I was told everything was explained to me, by the one who suggested I leave my bikes uninsured. Multiple calls and no help. Attempted to get executive relations likewise refused. Think twice clearly the protection of my two Harley’s is in the wrong hands.

  5. I purchased Full Coverage Motorcycle Insurance through Rider. Last Year they Informed me that is was going from $440 to Over $1600 Due to them Re-Classifying the 2010 Aprilia RSV4. The Bike Manufacturing Classification has and will always be the same as it was when it was produced. I have been trying to Reach the President of the Company with No Results. How can a Legit Business not Honor their Insurance Price for an Existing Customer? It should not be legal to Raise someones insurance 400% in one year. I purchased the bike factoring in the insurance price they provided of $440. I now have not been able to ride or sale the bike in years with out taking a huge loss. Please Help Me with this Bad Business.

  6. My father was recently in an accident (not at fault) in which his Roadking was considered totaled. He has had this Bike fully insured with rider as long as he has been riding for over 4 times the petty pay out offered, not including the tons of extras invested over the years. The offer was even thousands less then book value. This bike wasn’t only his pride & joy but 1 of 400 made, with enough best in show trophies to make a nun blush. Policies will to be cancelled as some have been already as word continues to spread on how this insurance company for riders takes it’s customers for rides with it’s false promises….


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