Voom motorcycle insurance takes a different approach than almost every carrier on the market. Instead of charging a flat annual premium, Voom bills you for the miles you actually ride. You pay a small monthly base rate plus a few cents per mile. The company launched its per-mile motorcycle product in August 2021 with Markel, and policies are underwritten by Markel American Insurance Company. That matters, because Markel holds an “A” (Excellent) financial strength rating from AM Best. For riders who park the bike all winter, or who log 1,500 miles a season, the math can be dramatic. Voom claims riders under 2,000 miles per year save up to 60% versus traditional coverage. However, the model does not suit everyone.
Voom Motorcycle Insurance Coverage Options
Voom writes real motorcycle policies, not stripped-down alternatives. You get bodily injury and property damage liability, plus uninsured and underinsured motorist coverage. Collision and comprehensive are both available, and comprehensive matters more for bikes than cars. Motorcycles get stolen at high rates, and theft falls under comprehensive. Medical payments coverage is offered in most states where the product is sold. Guest passenger liability is included where state law requires it. In most cases, liability limits mirror what a standard carrier would offer.
The standout feature is itemized accessory coverage. Riders can add up to $30,000 for non-stock parts and gear. For example, saddlebags, light bars, exhaust systems, luggage racks, custom seats, windscreens and crash bars all qualify. Helmets and riding gear can be scheduled too. This is critical for touring and cruiser owners, since a base motorcycle policy usually caps custom parts around $3,000. Voom motorcycle insurance lets you list each item rather than accept a blanket sublimit. Cargo and personal effects carried on the bike can also be covered.
Roadside assistance is an optional add-on, not automatic. It covers fuel delivery, jump starts, flat tire help and limited towing. Typically you get up to three uses per annual policy term, across every bike listed on the policy. Trip interruption coverage is also offered in some states. Voom motorcycle insurance does not currently write coverage for ATVs, side-by-sides or golf carts. As a result, multi-toy households may still need a second policy elsewhere.
Voom Discounts Available
Voom does not publish a long discount menu the way Progressive or Dairyland does. The pay-per-mile structure is the discount. Your premium drops automatically when your riding drops. For example, a rider who parks the bike from November to March simply pays the base rate those months. There is no separate “lay-up” endorsement to request, and no seasonal suspension paperwork.
Plan tiers function as a pricing lever too. Voom has offered structures around $5 per month with roughly 4 cents per mile at the entry level, scaling to about $15 to $30 per month with higher per-mile rates on extended plans. Lower base rate means higher per-mile cost, and vice versa. Riders choose the combination that matches their season. Multi-bike policies are available, and listing several motorcycles on one policy consolidates the base rate.
Standard motorcycle discounts still apply through Markel’s underwriting in many states. These typically include a motorcycle safety course completion credit, a mature rider credit, an anti-theft device discount, and a homeowner discount. Paid-in-full and multi-policy credits may also appear on a quote. However, availability varies by state, so confirm which credits apply before you bind. Voom motorcycle insurance quotes run entirely online, which makes comparing tiers straightforward.
Voom Customer Ratings and Satisfaction
Voom is too small and too new to appear in J.D. Power’s rankings. J.D. Power does not publish a dedicated motorcycle insurance satisfaction study, and its 2026 U.S. Auto Insurance Study does not include Voom. Treat any site claiming a Voom J.D. Power score as unreliable. The same limitation applies to NAIC complaint data. Voom is a managing general agent, not a licensed insurer, so it carries no NAIC complaint index of its own.
What you can verify is the underwriter. Markel American Insurance Company holds an AM Best rating of “A” (Excellent), signaling strong ability to pay claims. Markel’s NAIC complaint history in personal lines has been thin and volatile. It recorded a complaint index near 2.7 in one early year on only two total complaints, then zero the next. With such low volumes, those ratios say very little. Financial stability, not complaint math, is the meaningful signal here.
Direct consumer feedback is mixed and limited. Voom shows a 5.0 rating on Trustpilot, but from only about four reviews. Google reviews average roughly 4.1 out of 5. The company is not currently BBB accredited or rated. Positive reviews cite low cost and fast online signup. Negative reviews mention slow phone support and difficulty making mid-term policy changes. Claims are filed online and paid by Markel.
Voom Pros and Cons
Pros:
- Genuine savings for low-mileage riders, with advertised discounts up to 60% under 2,000 miles per year
- Up to $30,000 in itemized accessory and custom parts coverage, far above typical $3,000 sublimits
- No telematics dongle or GPS tracking required — you just photograph your odometer in the app
- Backed by Markel American, rated “A” (Excellent) by AM Best
Cons:
- Limited availability — roughly 23 states, so many riders simply cannot buy it
- Voom motorcycle insurance costs more than traditional policies for high-mileage commuters and touring riders
- No local agents, and reviewers report slow phone and email response times
- Odometer reporting is your responsibility; missed or late readings can trigger estimated charges
Who Should Choose Voom?
Weekend and fair-weather riders are the core fit. If your bike sits in the garage five months a year, you are paying for coverage you never use. Voom motorcycle insurance eliminates that waste without requiring you to drop coverage entirely. Dropping coverage creates a lapse, which raises your future rates.
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Second-bike and collector owners also benefit. A garaged vintage triple or a track-day bike accumulates very few street miles. Voom motorcycle insurance charges accordingly while still protecting the machine against theft, fire and hail through comprehensive. Riders with heavily customized cruisers should look hard at the accessory limit.
Daily commuters should probably look elsewhere. If you ride 8,000 or more miles a year, per-mile pricing works against you. For example, 8,000 miles at 12 cents equals $960 before the base rate. Traditional carriers will usually beat that. Riders who want a local agent, or who need ATV and RV policies bundled, will also be better served by a full-line carrier.
Frequently Asked Questions
What states offer Voom motorcycle insurance?
Voom is available in roughly 23 states as of mid-2026, including Arizona, Florida, Georgia, Illinois, Indiana, Texas, Pennsylvania and Ohio. The list has grown steadily since launch. Check Voom’s site for your state before quoting, because availability changes often.
Do I need to install a tracking device?
No. Voom uses odometer photos submitted through its mobile app instead of hardware telematics. There is no GPS device and no plug-in dongle. Your route and speed are not monitored.
What happens if I ride more miles than I estimated?
Your premium adjusts at the reporting checkpoints during the policy term. Ride fewer miles than estimated and you can receive a refund. Ride more and you pay the difference.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed July 2026. If you notice any outdated information, please contact us.