Velosurance + Surly
4.9★
234 Google reviews
$8/mo
Starting premium
100%
Replacement cost
A-rated
A.M. Best underwriter

About Surly

Surly builds steel bikes for people who ride them hard. The brand started in 1998 in Bloomington, Minnesota, as a division of Quality Bicycle Products. Its founders were unimpressed with the late-1990s rush toward ultralight aluminum, so they went the other way: durable, forgiving, repairable steel.

Surly built a cult following on bikes that go the distance. The Long Haul Trucker became a touring icon, and in the 2010s Surly helped pioneer the modern fat bike, running its own machinery to make the wide rims and tires the category needed. Every Surly is steel, most accept racks and fenders, and the brand leans hard into versatility over specialization.

Surly’s current lineup spans touring, gravel, mountain, fat, and cargo. The Disc Trucker handles loaded touring, the Midnight Special and Straggler cover all-road and gravel, and the Karate Monkey, Krampus, and Lowside are the hardtails. The Sorceress is Surly’s steel full-suspension trail bike, the Wednesday, Ice Cream Truck, and Moonlander are the fat bikes, and the Big Dummy, Big Easy, and Skid Loader carry the loads.

Surly bike lineup 17 models shown

Most popular Surly models

Surly’s drop-bar range goes from pavement to dirt. The Disc Trucker is the loaded-touring workhorse, the Midnight Special is the road-plus all-rounder, the Straggler is the disc-brake gravel bike, and the Bridge Club is the accessible adventure bike. The Preamble is the entry point, a steel all-road bike in flat-bar and drop-bar versions, and the Ogre is the flat-bar 29er adventure tourer.

On the trail, the Karate Monkey and Krampus are Surly’s 29er hardtails, the Lowside is the 27.5-inch trail hardtail, and the Sorceress is the steel full-suspension trail bike. The Grappler is the drop-bar bikepacking machine, and the Wednesday, Ice Cream Truck, and Moonlander are the fat bikes built for snow and sand. The Big Dummy is Surly’s longtail cargo bike, the Big Easy adds a Bosch motor, and the Skid Loader is the electric cargo hauler. A loaded Big Dummy, Big Easy, or Skid Loader carries a replacement value and a load of gear that a homeowner’s policy rarely covers, which is where standalone cargo bike insurance fills the gap.

Surly Disc Trucker
Disc Trucker
MSRP $1,800 – $2,199

Surly's loaded-touring workhorse, a steel drop-bar tourer built for multi-day, fully-loaded travel. Offered in 26-inch and 700c wheel sizes with disc brakes.

$8/mo
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Surly Midnight Special
Midnight Special
MSRP $2,199 – $3,499

Surly's road-plus all-rounder, a steel drop-bar bike with clearance for wide tires that bridges fast pavement and rough roads.

$10/mo
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Surly Straggler
Straggler
MSRP $1,359 – $2,699

Surly's gravel and all-road bike, the disc-brake evolution of the Cross-Check, built for cyclocross, gravel, and everyday riding in 650b and 700c.

$8/mo
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Surly Bridge Club
Bridge Club
MSRP $1,230 – $1,599

Surly's accessible adventure bike, a versatile steel all-rounder for loaded touring, bikepacking, and around-town riding.

$8/mo
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Surly Preamble
Preamble
MSRP $849 – $1,599

Surly's entry-level steel all-road bike, offered in flat-bar and drop-bar versions. The affordable way into a Surly.

$8/mo
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Surly Ogre
Ogre
MSRP $1,799 – $1,899

Surly's 29er adventure tourer, a flat-bar steel bike with rack and fender mounts built for loaded off-road touring and bikepacking.

$8/mo
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Surly Karate Monkey
Karate Monkey
MSRP $1,849 – $2,599

Surly's iconic 29er steel hardtail, a do-everything trail and single-speed bike that helped define the modern 29er.

$8/mo
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Surly Krampus
Krampus
MSRP $1,479 – $2,699

Surly's 29-plus adventure hardtail, built around wide tires for trail riding, bikepacking, and loose terrain.

$8/mo
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Surly Lowside
Lowside
MSRP $1,499 – $1,799

Surly's 27.5-inch trail hardtail, a playful steel bike built for pump tracks, dirt jumps, and everyday singletrack.

$8/mo
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Surly Sorceress
Sorceress
MSRP $2,199 – $3,199

Surly's steel full-suspension trail bike, built around 29-inch wheels for technical descents and all-day trail riding.

$10/mo
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Surly Grappler
Grappler
MSRP $1,649 – $1,999

Surly's drop-bar trail bike, a steel bikepacking machine built around plus tires and off-road drop-bar geometry.

$8/mo
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Surly Wednesday
Wednesday
MSRP $1,699 – $1,849

Surly's versatile fat bike, built for snow, sand, and four-season trail riding with rack and fender mounts for bikepacking.

$8/mo
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Surly Ice Cream Truck
Ice Cream Truck
MSRP $2,249 – $2,349

Surly's premium fat bike, with the widest tire clearance in the range for the deepest snow and softest sand.

$10/mo
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Surly Moonlander
Moonlander
MSRP $4,199

Surly's ultra-fat bike, with the widest tires and rims in the lineup for the deepest snow and softest sand.

$18/mo
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Surly Big Dummy
Big Dummy
MSRP $2,449

Surly's longtail cargo bike, one of the bikes that defined the longtail category, built to haul kids, groceries, and gear.

$11/mo
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Surly Big Easy
Big Easy
MSRP $4,674

Surly's electric longtail cargo bike, pairing the Big Dummy's hauling capacity with a Bosch motor for loaded hills and longer trips.

$20/mo
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Surly Skid Loader
Skid Loader
MSRP $3,999 – $4,199

Surly's electric cargo bike, a steel hauler built to carry heavy loads and passengers with motor assist.

$17/mo
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Why Velosurance

Why Velosurance is best for your Surly

Velosurance is a stand-alone policy that covers theft and accidental damage and can be optioned to create a comprehensive umbrella of protection for your cycling lifestyle.

A-rated
A.M. Best underwriter
$8/mo
Starting premium
4.9★
234 Google reviews
15
years in business
Ready to ride covered

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