Allstate Motorcycle Insurance Coverage Options (2024)
On average, motorcyclists pay $721/year for insurance, but you can get discounts for an Allstate motorcycle insurance policy and save some money. You can also customize Allstate motorcycle insurance to fit your needs perfectly, but adding different coverage options could increase your rates. If you're looking for cheap insurance, you can shop online to find the best insurance company for your needs.
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Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
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UPDATED: Jul 5, 2022
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 5, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate sells liability-only and full coverage motorcycle insurance policies
- Allstate offers discounts to motorcyclists
- You can get a free motorcycle insurance quote online
There is no better feeling than hopping on your bike and cruising down the road when the sun is shining. But, of course, before you rev up your engine, you will need to be sure that you are properly insured. Companies like Allstate can get you coverage to keep you and your motorcycle protected whenever you’re out for a ride, whether you live in Ohio, Florida, or anywhere else in the United States.
Keep reading this Allstate motorcycle insurance review to discover more about this company’s coverages, and learn if Allstate is the best choice for you.
What motorcycle coverages does Allstate offer?
If you are looking for solid coverage, you can turn to Allstate as this company offers:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments (MedPay)
- Personal injury protection (PIP)
In addition to these traditional forms of coverage, Allstate also provides additional forms of coverage for you to purchase. For example, you can buy coverage like towing and labor, rental reimbursement, and equipment coverage, just to name a few.
Allstate’s additional coverage options allow you to truly customize your policy. This company’s motorcycle policies could be a great choice for enthusiastic motorcyclists who are out on their bikes as often as possible.
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Is it easy to file an Allstate motorcycle insurance claim?
If you need to file a claim with Allstate, you can do so easily. You can call your agent, file a claim online, or call 800-669-2214 to get the process started. Once you have filed your claim, you will be able to track its progress online or reach out to the Allstate representative in charge of your claim.
Are Allstate motorcycle insurance rates affordable?
On average, motorcyclists in the U.S. pay $721 per year, but you will not know how much you will pay for an Allstate motorcycle insurance policy until you get a quote. Rates can vary wildly from person to person based on a variety of factors.
For example, if you live in Wyoming, are in your 30s, and have no major traffic violations on your record, you could pay very little for motorcycle insurance. On the other hand, if you are in your 80s, live in California, and have a checkered driving history, your rates could be quite high.
Bear in mind that your coverage options will also affect your rates. For example, if you need cheap motorcycle insurance, you may want to consider purchasing liability-only coverage.
Does Allstate offer motorcycle policy discounts?
One way to reduce your Allstate premiums is to take advantage of the many discount opportunities offered by the insurer. These include:
| Discount Name | How to Qualify |
|---|---|
| Multiple motorcycle discount | Insure more than one motorcycle with Allstate |
| Multi-policy discount | Own multiple Allstate insurance policies |
| Good Ride discount | Go 60 months without an at-fault accident or traffic violations |
| Motorcycle policy transfer discount | Bring your motorcycle policy with another insurance company to Allstate |
| Motorcycle organization membership discount | Join a riding organization |
| Motorcycle safety course insurance discount | Pass a motorcycle safe driving program in the past 36 months |
| Easy Pay Plan | Set up automatic payments |
| Early signing discount | Sign up for a new policy at least seven days before your current policy expires |
| FullPay | Pay your policy in full |
If you want to make sure that you are saving as much money as possible, request free quotes from multiple insurance companies to verify that you are getting the best deal possible.
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What is Allstate?
Founded in 1931, Allstate is a titan in today’s insurance marketplace. Allstate offers a wide range of insurance products, a mobile app, and online tools that promote client convenience. You can log into your account to make payments and review your policy documents at any time. In addition, you can get free motorcycle insurance quotes directly from the Allstate website, or you can call a local agent for more information.
Is Allstate highly rated?
Allstate is an A.M. Best A+ rated company. With this stellar rating, you can be sure that Allstate has the financial reserves necessary to pay out any claims you may file. If your goal is to work with financially strong companies, you can use this data table to see how Allstate compares to other major insurance companies:
| Company | A.M. Best Rating | Direct Premiums Written | Market Share | Loss Ratio |
|---|---|---|---|---|
| Allstate | A+ | $998,919 | 11.42% | 55.64% |
| Erie | A+ | $1,153,856 | 13.19% | 64.93% |
| Farmers | NR | $192,162 | 2.20% | 74.14% |
| Geico | A++ | $706,897 | 8.08% | 74.24% |
| Liberty Mutual | A | $424,106 | 4.85% | 61.06% |
| Nationwide | A+ | $786,109 | 8.99% | 59.96% |
| Progressive | A+ | $875,579 | 10.01% | 58.55% |
| State Farm | A++ | $1,779,915 | 20.35% | 63.70% |
| Travelers | A++ | $335,963 | 3.84% | 62.41% |
| USAA | A++ | $299,488 | 3.42% | 72.05% |
Allstate is not a Better Business Bureau (BBB) accredited company, but it does have an A+ rating from the BBB. It’s worth noting that out of 471 reviews, customers have only given Allstate 1.11 out of 5.0 stars.
Who should buy Allstate motorcycle insurance?
Most states require motorcyclists to have liability insurance. Even if you live in a state that does not require insurance, it is in your best interests to have coverage. If you were hit by an uninsured motorist or struck someone while driving, all the financial burden of those incidents would fall squarely on your shoulders.
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What You Need to Know About Allstate Motorcycle Insurance
Even if Allstate doesn’t offer the cheapest motorcycle insurance, you may still want to consider buying a policy from this company. Allstate has the financial strength to reimburse you for claims, and this company offers a wide range of additional coverage options that can allow you to customize your policy.
You can also take advantage of discounts to lower your policy rates and Allstate’s online features to save time when reviewing your policy.
Of course, if Allstate’s motorcycle insurance policies do not fit within your budget constraints, you can shop online to find an insurance company that is better suited to your needs.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Johnson
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Insurance Lawyer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.