Allstate Motorcycle Insurance
Allstate motorcycle insurance offers some of the most comprehensive motorcycle insurance around, but it’s not the only solid option on the road.
Written by Amber Reed
Reviewed by Pat Roache
Allstate has some of the best
motorcycle insurance
in the industry, and offers a lot of options and additional coverage that other companies don’t. It might not be the cheapest out there, but Allstate receives high marks for the number of coverage options it provides to motorcycle riders. Read on to see if an Allstate motorcycle insurance policy is a good fit for you!
Does Allstate offer motorcycle insurance?
Yes, Allstate offers motorcycle insurance as well as its other standard policies.
Specifically, Allstate offers coverage for cruisers, sport bikes, touring bikes, scooters, and mopeds. Allstate’s website doesn’t specify if they insure antique or classic motorcycles, so if you have one of those make sure to enquire if they can cover it.
Rates vary depending on the coverage you choose, the state you live in, and your demographic. Riders can get a policy ranging from basic
liability coverage
to a full-coverage policy with lots of options for add-ons. You can get a quote through Allstate’s website, or call 1-855-489-0654 to speak with a representative. You’ll need to provide them with your bike’s year, make, and model, as well as the VIN—so make sure to have that info handy.
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Cost
A motorcycle policy through Allstate can range from $500 to $1,000 per year and seems to average to around $45 per month. You’ll have to contact an agent to get a specific price, and online sources vary quite a bit in their cost estimates.
Part of what accounts for this wide range is that not only do costs vary by state, but they also depend on things like your demographic, your bike, your cycling experience and driving record, and your credit score.
Coverage options
Although Allstate may not be the cheapest option, it has the definite advantage of offering a lot more kinds of coverage for motorcyclists than many other providers do. In addition to basic liability, Allstate offers
full-coverage
choices and a host of other add-ons that many competitors don’t. Take a look at the table below to explore your coverage options with Allstate.
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
Covers other drivers’ medical costs if you’re found at fault in an accident. | You fail to yield and crash into a car, which then rolls over. This policy helps to pay for the medical costs of anyone in that car who was injured. | No | Varies by state, but it’s almost always required. | |
Covers repairs to other people’s property if you’re at fault in an accident. | You don’t look when leaving a parking spot and put a big dent in somebody else’s bike. This will cover those repair costs. | No | This also varies by state, but it’s often required. | |
Pays for losses due to a wide variety of causes, like theft, vandalism, or random acts of life. | The wind kicks up and a huge branch crushes your bike while it’s parked outside. | No | It’s not required, but definitely worth it if you have a valuable bike. | |
Pays for repairs or a replacement due to any kind of collision, no matter who was at fault. | You take a corner too fast and crash into a light pole, damaging your headlight and handlebars. | No | Not required, but again worth it if you have a valuable bike. | |
Pays for your expenses if you are in an accident caused by someone with no insurance. | An uninsured driver hits you with their car, and they can’t afford to give you any money out-of-pocket for your expenses. | No | This varies by state—it’s required in some, but not in all. | |
Goes towards medical expenses for you and your passengers, no matter who is at fault. | You’re out on a day trip with a friend on your bike and a small spill results in some minor injuries for both of you. | No | Not required, but it’s a very wise policy to invest in as medical costs can be quite high. | |
Goes towards your medical bills, plus things like lost wages, childcare, and funeral expenses. | You have a bad motorcycle accident and have to be out of work for two months. PIP will help compensate you for lost wages. | No | PIP is required in some states and not available in others, but it’s a good idea to have it if you can. | |
This covers your expenses for towing and related labor in case your bike breaks down or is damaged in an accident. | You’re on a road trip and you break down miles from the nearest town—this policy means that you can always get a tow truck, day or night. | Included with policies for Harley- Davidson, touring, and touring sport bikes. | This add-on is a particularly good idea if you have a touring bike and/or go for lengthy rides. | |
Helps to cover the cost of a rental if your bike is stolen or in the shop. | It’ll be three weeks before your part comes in! This covers a rental in the meantime, so you don’t have to sweat your transportation. | No | If you must always have readily available transportation, this policy can save you some stress. | |
Motorcycle and off-road vehicle transport trailer damage | This covers damages to your trailer and bike caused by a variety of events, from collisions to storm damage. | You’re transporting your bike to a show and hit a pothole, severely damaging your trailer’s axle. | No | If you frequently use a trailer to haul your bike around, this is a smart policy to consider. |
This pays the difference between your loan and the actual cash value of your bike (if you have negative equity in it.) | Your brand-new Harley gets totaled, and due to depreciation, your insurance payout is less than what you owe on your loan. | No | Not required, but could be a very smart move depending on your bike and the terms of your financing. | |
Optional or added equipment coverage | This covers damages or loss for any aftermarket upgrades, like custom seats, parts, or accessories. | Someone stole your cool sparkly handlebar tassels! Not cool. But with this policy, it’s covered. | $1,000 is included with a motorcycle policy, and you can purchase extra coverage up to $30,000. | Not required, but it’s a good idea if you have a lot of pricey aftermarket mods or accessories. |
Rider Protection Package | This can provide death and dismemberment benefits to you or your family. | It’s awful to think about, but a policy like this would help cover your expenses if you lose a limb in an accident or provide financial support for your loved ones in case of your death. | No | This might be particularly good coverage to consider if you have dependents, like a spouse or kids. |
New motorcycle extended protection | If your bike is totaled while it’s two years old or less, this policy replaces it with a new one versus just paying you the depreciated cash value. | Your gorgeous new Ducati got totaled before its first birthday! With this coverage, you can wipe your tears on the handlebars of a brand new one. | No | It’s not available in every state, but if you have a new, expensive bike it might be worth looking into. |
First accident waiver | This can prevent your premiums from rising after your first accident. | The stipulations on this are pretty extensive, so ask your Allstate agent for details. | Possibly? | It’s free if you qualify, and it’s a nice add-on to have! |
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Allstate motorcycle insurance discounts
Another nice thing about Allstate is that they offer plenty of discounts! Take a look below at some of the money-saving discounts you can use on your Allstate policy:
- Multi-policy: Getting other policies through Allstate with your motorcycle insurance—likerenters,homeowners, orcar insurance—gets you a discount on your premium.
- Multi-motorcycle: Got a stable of bikes? You can save by getting all your policies through Allstate!
- Good rider: If you go 60 months with no at-fault accidents or major violations, a discount awaits you.
- New policy: Transfer your policy from another provider and get a discount as a welcome!
- Motorcycle organization membership: You can get a discount if you belong to certain motorcycle organizations, like the American Motorcycle Association, BMW Motorcycle Owners of America, Harley Owners Group, Honda Riders Club of America, and more.
- Safety course: Voluntarily completing a safety course in the past three years means getting a discount.
- Easy Pay: Get a 5% discount when you sign up for automatic payments.
- Paid in full: Get a discount when you pay for your policy in full.
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
Just like with car insurance, the cheapest motorcycle insurance can be different for each individual! But in general, here are some highly-rated picks for a few different groups:
- Best for high-value bikes: Markel ($35 to $69/month)
- Best for teens: Dairyland ($22 to $74/month)
MORE: 10 ways to get cheap car insurance that’s actually good
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Is Allstate good for motorcycle insurance?
Yes! Allstate offers very robust coverage and a lot of options that other providers don’t. However they don’t advertise OEM coverage or antique motorcycle coverage, so they may not be the best choice for every rider.
Does my motorcycle policy cover passengers?
In most states, passengers riding on your motorcycle are covered. However, this isn’t always the case, so make sure to ask your agent for details.
Is it cheaper to insure a motorcycle than a car?
Yes. Even though Allstate’s motorcycle insurance is a tad spendier than some, it’s still cheaper than the roughly $1,600 annual cost for car insurance.
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