Best VOOM Insurance Alternatives ranked by AI · updated Aug 2026

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VOOM Insurance provides usage-based motorcycle insurance, charging riders based partly on how much they ride. It is designed for low-mileage motorcyclists seeking coverage that reflects limited riding.

Developer: VOOM Insurance Price: Quote-based; usage-based pricing 🎯 voominsurance.com

InsurTech auto insurance motorcycle insurance usage-based insurance

Top 6 VOOM Insurance alternatives

Progressive

Progressive Corporation

💡 Pick it for broader coverage, stronger availability, and a more established motorcycle insurance operation.

Progressive offers motorcycle insurance for riders across the United States, with liability, collision, comprehensive, and optional accessory coverage. It combines broad policy...

Pros

Broader state availability and coverage depth than VOOM
Strong online quoting and policy-management tools
More suitable for high-mileage and multi-vehicle households

Cons

Typically less focused on low-mileage usage than VOOM
Rates vary substantially by rider, motorcycle, and location
Policy options can be more complex to compare

Quote-based

Alternatives to Progressive → Visit site

GEICO

💡 Choose it for mainstream motorcycle coverage and potential savings when bundling with other GEICO policies.

GEICO provides motorcycle insurance with online quotes, standard liability protection, and optional comprehensive and collision coverage. It targets everyday riders who want...

Pros

National brand with convenient online quoting
Multi-policy discounts can lower costs for existing GEICO customers
Suitable for standard motorcycles and frequent riders

Cons

Does not center its motorcycle pricing on per-mile usage like VOOM
Coverage availability and underwriting vary by state
Fewer usage-based advantages for occasional riders

Quote-based

Alternatives to GEICO → Visit site

Dairyland

💡 Pick it when you want motorcycle-specialist underwriting or more flexible eligibility than VOOM may provide.

Dairyland offers motorcycle insurance for a wide range of riders, including those who may need flexible underwriting. Its policies include standard motorcycle...

Pros

Motorcycle-focused underwriting and policy options
Can serve riders who may have difficulty qualifying with preferred carriers
Offers accessory and custom-equipment coverage options

Cons

Pricing can be higher for riders with claims or violations
No central per-mile model comparable to VOOM
Availability and discounts differ by state

Quote-based

Alternatives to Dairyland → Visit site

Foremost

💡 Choose it for customized motorcycles, specialty vehicles, or equipment coverage beyond VOOM's narrower model.

Foremost is a data recovery software that specializes in recovering lost files from various types of storage media.

Starting from $49.99

Alternatives to Foremost → Visit site

Harley-Davidson Insurance

Harley-Davidson

💡 Pick it if you ride a Harley-Davidson and want brand-oriented coverage for the motorcycle and its accessories.

Harley-Davidson Insurance provides motorcycle coverage tailored primarily to Harley-Davidson owners through its insurance program. Policies can include liability, comprehensive, collision, accessory, and...

Pros

Strong fit for Harley-Davidson motorcycles and accessories
Motorcycle-specific coverage can include custom parts and equipment
Brand ecosystem may simplify ownership-related services

Cons

Narrower audience than VOOM because it is brand-oriented
Not designed around per-mile pricing
Rates and availability vary by state and underwriting partner

Quote-based

Alternatives to Harley-Davidson In... → Visit site

Allstate

💡 Choose it for agent support, bundled policies, and conventional coverage from a large national insurer.

Allstate offers motorcycle insurance with standard liability, comprehensive, collision, and optional equipment protections. It serves riders who prefer a large insurer with...

Pros

Large insurer with local-agent and digital-service options
Bundling can help households insuring cars and motorcycles
Conventional coverage may suit frequent riders better than VOOM

Cons

Less specialized in usage-based motorcycle pricing than VOOM
Agent-based process may feel slower than VOOM's digital model
Rates depend heavily on location and driving history

Quote-based

Alternatives to Allstate → Visit site

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