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Farmers Motorcycle Insurance Review
Farmers is one of the country’s largest insurers and offers motorcycle policies typically underwritten by Foremost Insurance Group (a Farmers company). Coverage can be tailored for standard, custom, and classic use cases with options like liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments, plus higher limits for accessories/custom parts where available. Claims can be filed 24/7 online, by phone, or via the Farmers Mobile App, with digital photo estimating and network repair options to help speed cycle times (Farmers motorcycle coverage; Triple‑I: motorcycle insurance basics; Farmers Claims Center).
The claim
Farmers Insurance promotes quality coverage, convenience, and personalized service delivered through local agents and digital tools. For motorcycles (commonly underwritten by Foremost), it offers packages and add‑ons that can fit everyday riders, custom builds, and vintage/collector bikes, alongside optional protections like roadside assistance and towing (program details).
Is it true?
Largely, with caveats.
There is no current, nationally recognized motorcycle‑only customer satisfaction study from J.D. Power. The best proxies today are the J.D. Power U.S. Auto Insurance Study (overall policy experience by region), J.D. Power’s Auto Claims Satisfaction Study, and the Insurance Shopping Study, plus the ACSI P&C Insurance index and NAIC complaint indices. These cover the same carriers and service models motorcycle customers use and provide the most up‑to‑date view of experience.
ACSI reports national, brand‑level customer satisfaction on a 0–100 scale for large insurers, while NAIC’s Complaint Index shows whether a company receives more or fewer complaints than expected (1.00 = average) in lines that encompass most motorcycle policies (private passenger auto). Because Farmers‑branded motorcycle coverage is often underwritten by Foremost, it’s prudent to review complaint indices for both Farmers Insurance Exchange and Foremost entities when benchmarking current customer experience (ACSI; NAIC; Foremost underwriting note).
On coverage breadth, Farmers/Foremost offers a variety of options, including higher limits for custom parts and accessories. For true collector/vintage bikes, many riders prefer agreed/guaranteed value policies that specialty carriers are known for; mainstream policies typically settle on actual cash value and use accessory limits to cover modifications. Always verify state availability and limits at quote time (Hagerty: Guaranteed Value for classics; Progressive motorcycle coverages; Triple‑I on ACV vs. agreed value).
Product Overview
Best for
Riders who want agent support plus mainstream coverage options with optional accessories/custom parts limits, and shoppers who value bundling and telematics savings within a broad personal‑lines carrier.
Not for
Collectors who require agreed/guaranteed value under the same brand (often better served by specialty carriers) or shoppers who want extensive, motorcycle‑specific educational detail and published “up to” discount percentages directly on the carrier’s site.
Features
Comprehensive motorcycle coverage
Farmers motorcycle insurance provides collision and comprehensive coverage as part of standard options. Collision addresses crash‑related damage you cause to your bike, while comprehensive can cover theft, fire, vandalism, weather, or animal strikes. Riders commonly add UM/UIM and medical payments where available to address injury severity risk (learn more).
Extensive agent network
Farmers distributes through a large network of local agents across many states. Whether you’re an avid rider or a collector, in‑person advice and ongoing service are available, with digital self‑service layered in for quoting, policy changes, and claims.
File a claim easily
Policyholders have 24/7 claims access and multiple ways to report a loss—online, by phone, through a local agent, or via the Farmers Mobile App. Farmers supports photo estimating for many auto/motorcycle physical damage claims and offers network repair options that include a lifetime guarantee on covered repairs performed within the program (Farmers Claims Center).
Custom and classic motorcycle coverage
Farmers (via Foremost) can insure custom and classic motorcycles with options to increase accessories/custom parts and equipment limits. For true collector bikes, specialty carriers often use agreed/guaranteed value rather than ACV—useful when preservation and limited use matter. Always confirm valuation method, limits, and state availability at quote time (Farmers/Foremost program; Hagerty agreed value; Triple‑I on valuation).
Possible drawbacks
Spotty online quote availability
Online quoting for personal auto and motorcycles is broadly available industry‑wide, but some carriers—including Farmers/Foremost in certain states or profiles—may gate complex risks or specific geographies to an agent or phone. Since 2024, digital quote flows have improved with more prefill and earlier verification, increasing bindable rates online, though routing to assisted channels still occurs (J.D. Power Digital Experience; LexisNexis Trends; TransUnion).
Lack of supplemental materials
Farmers outlines coverages and discounts but publishes fewer motorcycle‑specific educational details and fewer explicit “up to” discount percentages than some competitors, so shoppers may need an agent to clarify options and savings. By contrast, several rivals publicize upper‑bound telematics or equipment discounts (e.g., Nationwide SmartRide; GEICO discounts; Progressive Snapshot), though actual savings vary by state and profile.
The Competition
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Farmers Insurance vs. Markel American
Markel is a specialty insurer with deep motorcycle expertise, including options tailored to custom and classic risks (and, in some cases, features like agreed value subject to eligibility). Farmers offers mainstream breadth, strong bundling, and a telematics program (Signal) for potential savings. If you need specialty features for a collector or heavily modified bike, Markel may fit; if you want broader personal‑lines bundling and local agent service, Farmers is competitive (Markel motorcycle; Farmers Signal).
Farmers Insurance vs. Progressive
Both insure antique and custom bikes and offer a wide array of add‑ons and discounts. Progressive leans into digital tools and its Snapshot telematics program, which can lower rates for safe driving but may increase them for riskier patterns in some states. Farmers counters with agent support, bundling, and Signal. Comparing quotes and program eligibility is key (Progressive motorcycle; Snapshot details; Signal).
Farmers Insurance vs. Nationwide
Coverage breadth is comparable for core needs. Nationwide emphasizes usage‑based savings through SmartRide (and a separate low‑mileage option in many states), while Farmers offers Signal and strong bundling with other Farmers policies. Your best fit will depend on riding patterns, telematics preferences, and multi‑policy opportunities (Nationwide SmartRide; Farmers Signal).
Farmers Motorcycle Insurance FAQ
How much is Farmers motorcycle insurance?
Premiums vary by state, bike, usage, rider profile, coverage limits, and applicable discounts (e.g., bundling or telematics). Because many Farmers‑branded motorcycle policies are underwritten by Foremost, get a current quote online or through a local agent and confirm available discounts and program eligibility (Farmers/Foremost underwriting note).
Does Farmers motorcycle insurance include roadside assistance?
Roadside Assistance and towing can be added to many motorcycle policies; availability and limits vary by state and program. Confirm details and any trip interruption or gear coverage options when you quote (see options).
What payment plans are available for Farmers motorcycle insurance?
Farmers provides multiple ways to pay—commonly paid‑in‑full, monthly, or quarterly—though options vary by state and underwriting company. Speak with an agent to review what’s available for your policy and to set up auto‑pay or paperless billing if desired.
The Bottom Line
Farmers stands shoulder‑to‑shoulder with major carriers on motorcycle coverage breadth and discounts, aided by local agents, 24/7 claims access, and digital tools. To gauge customer experience today, rely on current benchmarks like the J.D. Power Auto Insurance and Auto Claims studies, the ACSI P&C index, and NAIC complaint indices for Farmers Insurance Exchange and Foremost entities. If you want collector‑grade agreed value or the highest advertised telematics caps, compare specialty and rival programs; otherwise, Farmers’ network and bundling can make it a practical choice for many riders.
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