THE GOOD

Excellent policy coverage:

Allstate motorcycle insurance has some of the best policy coverage in the industry, including thorough bodily injury and property damage liability coverage. You can also get underinsured/uninsured motorist coverage, which pays for any injuries or damage caused by an individual without adequate insurance. Another nice option that Allstate motorcycle insurance offers is guest liability insurance, which can help protect any passengers riding with you. If you are injured in a motorcycle crash, Allstate will even pay for your medical care and provide cash benefits to you or your family.

Lease/loan gap insurance:

If you're leasing your motorcycle or still paying off your loan, you may want to take advantage of Allstate's lease/loan gap coverage. With this type of coverage, Allstate will pay the difference between the value of your motorcycle and the balance remaining on your lease or loan. In order to be eligible for this type of coverage, you must have both collision and comprehensive coverage on your motorcycle as well. This type of protection isn't found among many other motorcycle insurance providers and the additional peace of mind is worth it to many bikers.

Plenty of ways to save:

You can save up to 50% on your Allstate motorcycle insurance policy thanks to the wide selection of available discounts. Save 10% just by switching your motorcycle insurance to Allstate. Take another 10% for going 60 months without an at-fault accident, and another 5% for attending a motorcycle safety course. You can also save by paying for a full year up front and for being a part of an affiliated motorcycle organization. If that's not enough, you can save up to 30% for insuring something else, like your home or your car, through Allstate. And if you have more than one motorcycle that needs insuring, that's even better because Allstate motorcycle insurance offers a 35% multiple motorcycle discount. With so many ways to save, you shouldn't have any problem reaching 50% off a standard policy.

Streamlined quote process:

Getting an Allstate motorcycle insurance quote is easy thanks to their very nice online quote tool, which asks you some basic questions about yourself and your motorcycle and then allows you to adjust your coverage until you have a policy that is just right for you. Information about your driving history is pulled from public records, so you don't have to record it yourself. Discounts that you qualify for are automatically applied, and there are additional discounts, like a pay-in-full discount, that you can take advantage of if you wish. Throughout the entire quote process, your local Allstate agent's name and phone number are displayed, so if you have any questions about your quote, you can easily contact the agent. Otherwise, you can purchase your policy right online with just a click.

THE BAD

Can't print a misplaced insurance card:

Allstate does not allow you to print your insurance cards if they are lost. This likely is not a deal breaker for most policyholders, but if you are on a long road trip and you lose your insurance card, getting a replacement could be challenging. Being able to quickly go online and print your cards is a convenient benefit offered by most competitors.

THE DETAILS

Financial Strength
A.M. Best FSR Rating A+
A.M. Best ICR Rating aa-
Moody's Rating Aa3
Standard & Poor's Rating AA-

FEATURES

Title
  • Accessory Coverage The insurance provider offers physical damage protection to equipment, devices, accessories, enhancements, and changes other than those which are original-manufacturer-installed, which are permanently installed or attached, and alter the appearance or performance of the vehicle.

  • Actual Agreed Value You can lock in an agreed-upon price with the insurance company, and receive payment for that value if the motorcycle can't be replaced.

  • Collision The insurance provider insures you against damage from collisions.

  • Comprehensive The provider insures you against losses from any non-collision vehicle damage including fire, theft, or vandalism.

  • Custom Motorcycle Coverage The insurance provider offers coverage for custom-built motorcycles.

  • Trike Coverage The insurance provider offers coverage for trikes or three-wheeled motorcycles.

  • Vintage Motorcycle Coverage The insurance provider offers coverage for vintage motorcycles.

  • Bodily Injury Liability You are insured against damage if you injure or kill another person.

  • Cash Benefits The insurance company will provide cash benefits to you or your family if you have a serious or fatal accident, regardless of fault.

  • Guest Passenger Liability The insurance company will pay for any injuries sustained by a passenger who shares a ride with you.

  • Medical Payments Coverage that pays the cost of medical care you receive as a result of a motorcycle accident is offered.

  • Property Damage Liability Coverage that insures you against certain damages that you may cause to someone else's property are offered.

  • Trip Interruption Coverage The insurance provider will pay for food, lodging, and travel expenses if your motorcycle breaks down more than 100 miles from home.

  • Uninsured/Underinsured Motorist Bodily Injury The insurance provider pays for injuries caused by an uninsured or underinsured driver.

  • Uninsured/Underinsured Motorist Property Damage The insurance company offers coverage against property damage caused by an uninsured or underinsured driver.

  • 24/7 Claims Center You can reach a claims center 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • Online Claim Filing You can file a claim online 24/7.

  • Telephone Claim Filing You can file a claim via telephone.

  • Accident Forgiveness Your rates will not go up after an accident, if qualifications are met.

  • Claim-Free Discount A discount is offered if you have no at-fault accidents during your previous policy period.

  • Multi-Motorcycle Discount A discount for insuring more than one motorcycle is offered.

  • Multi-Policy Discount A discount is offered if other types of insurance are purchased from the provider.

  • Organization Discount You can receive a discount if you are a member of an affiliate organization (i.e. Riding Associations).

  • Pay-in-Full Discount You can receive a discount for paying the full amount of the policy up front.

  • Responsible Driver Discount You can receive a discount for being a responsible driver.

  • Safety Course You can receive a discount for completing a safety course.

  • Transfer Discount You can receive a discount for transferring your insurance to the company.

  • Anti-Theft Discount A discount is offered if you have any anti-theft devices installed.

  • Homeowner Discount A discount is offered on your policy if you own your home.

  • Instructor Discount Current Motorcycle Safety Foundation instructors receive a discount.

  • Mature Rider Long-time motorcycle riders will receive a discount.

  • On-Time Payment Discount You can receive a discount for paying on time for a year.

  • Reduced Deductible You can receive a discount for each consecutive accident-free year that passes.

  • Renewal Discount You can receive a discount when you renew your insurance.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Online Policy Purchase You can purchase your policy entirely online.

  • Online Rate Quotes You can get a quote on the company's website.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Print Insurance Cards You can print your insurance cards.

  • Rental Car Reimbursement The provider repays you for the cost of renting a car while your motorcycle is being repaired due to an accident.

  • Roadside Assistance The provider offers roadside assistance in case of emergencies (tow, no gas, flat tire, etc.).

  • Towing and Labor The provider offers reimbursement for towing and labor costs.

  • Transport Trailer The provider offers Comprehensive and Collision (physical damage) coverage for your transport trailer.

  • Android App You can access your account through an Android app.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Favorable Mobile App Store Reviews The insurance provider's iPhone and Android apps have a combined 3.5 stars or greater.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • GPS Locator The mobile app has a built-in GPS locator.

  • iPhone App You can access your account through an Apple app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Add a Driver You can add a new driver to your insurance policy online.

  • Billing Status You can check your billing status and payment information online.

  • Dashboard You can manage and change policy details using an online dashboard.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Replace Motorcycle You can replace or change a motorcycle covered by your insurance policy online.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make payments with your credit card.

  • Flexible Payment Terms The insurance company offers flexible payment terms over different periods of time.

  • Mail Payments You can mail your payments.

  • Online Payments You can make payments online.

  • Pay by Bank Account You can make payments directly from your bank account.

  • Phone Payments You can make payments by phone.

  • Prepayment You can pay your policy in full instead of monthly.

  • Email/Ticket You can reach the provider for support through email or a ticket system.

  • Live Chat You can reach the provider for support through live chat.

  • Phone You can contact the provider by phone to get support.

  • Social Media You can contact the provider through social media websites.

Similar Products


We recently added comments and we're amped to hear your input. Keep it civil and intelligent, and be sure to peek at our Community Guidelines before posting. If you'd like to contact the staff, our inbox is always open.