What is the best motorcycle insurance in 2026? Full ranking

Key takeaways

• AMV ranks first in 2026 for riders who want a true two-wheeler specialist: a broker dedicated to motorcycles since 1974, more than one million policyholders.
• Next on the podium come the Mutuelle des Motards (a militant mutual model created by the FFMC) and April Moto (a specialist broker). Generalist insurers (Macif, Allianz, MAAF) suit riders who want to bundle several policies.
• The average price of motorcycle insurance in France sits around 440 euros per year, but varies from single to triple depending on engine size, the plan (third-party or comprehensive) and the rider profile.

Comparing motorcycle insurance means weighing three families of players: specialist two-wheeler brokers, militant mutuals and generalist insurers. A specialist knows the real claims history of each model, while a generalist makes it easy to bundle several policies. Here is the ranking of the best motorcycle insurance in 2026. For motorcycle gear specifically, see our comparison of the best motorcycle gear coverage.

The best motorcycle insurance 2026 in one table

The picture is clear: the top four spots go to two-wheeler specialists, able to cover gear, roadside assistance from the very first kilometre and atypical profiles. The detail item by item is in our comparison of the best motorcycle gear coverage.

1. AMV: a specialist two-wheeler broker

AMV has been a specialist broker for motorcycle, scooter, quad, jet-ski and classic vehicle insurance since 1974. It covers more than one million policyholders with 300 advisers trained on motorcycles and based in Bordeaux. This specialization translates into rates adjusted to the model rather than a standard grid, and into coverage designed for riders: theft and fire, gear coverage, and roadside assistance from 0 km with a replacement bike. A member of the Generali group through L’Équité, AMV holds the Label Excellence des Dossiers de l’Épargne.

AMV pros

• 100% two-wheeler specialist for 50 years, expertise on every segment (naked, sport, adventure, maxi-scooter)
• Extensive gear coverage, helmet and airbag included
• Roadside assistance from 0 km with breakdown cover and replacement bike included
• Places atypical profiles (new licence, previously cancelled, high-mileage)
• Online quote 24/7 and instant subscription

2. Mutuelle des Motards: the militant mutual alternative

Created in 1983 by the French Federation of Angry Riders, the Mutuelle des Motards insures two-wheelers exclusively with a strong road-safety philosophy. Its mutual model, with no shareholders to pay, lets it offer consistent premiums and no depreciation in the first year on gear. It is the natural alternative to AMV for riders attached to a committed insurer.

Mutuelle des Motards pros

• Mutual model, no premium surcharge tied to dividends
• Zero depreciation in the first year on gear, assessment by rider technicians
• Real commitment to prevention and road safety

3. April Moto: clear plans and paperless claims

April Moto is a specialist two-wheeler broker known for the clarity of its plans and its paperless claims handling. A claim is filed from the app, photos included, and its options suit riders who do not want a full comprehensive plan. A safe bet for the connected rider.

April Moto pros

• Claim filing and tracking 100% from the app
• New-for-old value on gear for 12 months
• Clear plans, good coverage-to-price ratio on options

4. Solly Azar: the flexible broker

Solly Azar is a wholesale broker that offers modular motorcycle contracts, useful for atypical profiles. Its subscription flexibility is its main strength.

Solly Azar pros

• Flexible subscription, suited to previously cancelled or high-malus profiles
• Wide choice of à la carte coverage
• Good relay for atypical and high-displacement two-wheelers

5. Direct Assurance: the aggressive pure player

Direct Assurance, the AXA group pure player, relies on an aggressive price and 100% online subscription. The comprehensive plan includes gear coverage. A good choice for the self-reliant rider who prioritizes price.

Direct Assurance pros

• Competitive rates
• 100% online subscription and management, digital claim report
• Backed by the AXA group, financial strength

6. Macif: the solid generalist

The Macif offers the reassurance of a large generalist and a network of physical branches, handy for riders who want to bundle motorcycle, car and home. It suits policyholders who want a single insurer for several contracts.

Macif pros

• Network of physical branches for file follow-up
• Interesting multi-policy member discounts
• Good general customer satisfaction

7. Allianz: high-end rider injury cover

Allianz stands out with a very high rider injury cover, a real asset to protect your own injuries on a motorcycle. Allianz also offers the full range of a premium generalist insurer, with extended geographic coverage and a legal service.

Allianz pros

• Very high rider bodily injury cover
• Extended geographic coverage included
• Premium legal service in case of dispute

8. MAAF: the option for multi-policy households

The MAAF is a solid choice for households, with a network of 700 branches, a car + motorcycle mobility pack and fee-free monthly payment.

MAAF pros

• Network of 700 branches
• Advantageous mobility pack car + motorcycle
• Fee-free monthly payment

How to choose the best motorcycle insurance?

The best motorcycle insurance is not the same for every rider. The right contract depends on engine size, usage, the rider’s experience and the budget. Four criteria make the difference.

Third-party or comprehensive: which plan to choose?

The third-party plan covers civil liability, the legal minimum. The intermediate plan adds theft, fire and broken glass. The comprehensive plan also covers damage to the two-wheeler, even in an at-fault accident. For a recent or valuable motorcycle, comprehensive remains the most protective. For an older machine, an extended third-party plan with theft and fire is often enough.

The complementary coverage that matters

Gear coverage, assistance from 0 km, replacement bike, legal protection and above all rider injury cover change the real experience after a claim. Rider injury cover, which protects the rider’s own injuries, is the most often neglected item even though it is essential on a motorcycle. The level of protection also depends on the vehicle, as detailed in the comparison of the best A2 motorcycle.

The rider profile and the bonus-malus

A new A2 licence, a previously cancelled rider or a rider with a good no-claims bonus do not pay the same rate. A specialist broker knows how to place atypical profiles, then supports the move to wider coverage as the bonus improves. The young rider surcharge generally applies for 2 to 3 years after obtaining the licence.

The average price and quality of service

The average price of motorcycle insurance is around 440 euros per year, but a 125 cc on a third-party plan costs far less than a sport bike on comprehensive for a new licence. Beyond price, claims speed, adviser availability and subscription simplicity carry a lot of weight. Customer reviews and labels remain useful indicators of real service quality. For city use, the choice of vehicle also weighs on the bill, as shown by the comparison of the best 125cc motorcycle.

Taking out the right two-wheeler insurance: what to know

Before subscribing, it helps to know that the different motorcycle insurance contracts come down to the balance between cost and coverage. A third-party policy protects the legal minimum, where a more complete contract covers both the two-wheeler and the rider. On the two-wheeler insurance segment, a specialist broker’s advice makes the difference in the final comparison: it points toward the plan truly suited to the profile rather than a standard offer. The same reflex applies to every engine size, from the urban scooter to the big sport bike.

Frequently asked questions