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Allstate Motorcycle Insurance Review
Allstate delivers mainstream motorcycle coverage with optional add-ons like custom parts and equipment and towing/trip interruption, plus strong multi-policy savings that can lower your overall insurance spend. Allstate publicly markets up to 25% savings for bundling auto and home (actual savings and eligibility vary by state and policy). Telematics programs such as Drivewise and Milewise are Allstate auto offerings that can help price-sensitive households manage total costs when they bundle, though these programs are not motorcycle-specific. The online quote flow uses data prefill and can hand off to a local agent as needed, making it easier to compare options and bind coverage digitally.
The Claim
Since the 1950s, Allstate has claimed in one form or another that you “are in good hands” when you choose it as your insurance provider.
Is it true?
Allstate’s offer aligns with what most riders need: liability, uninsured/underinsured motorist, medical payments where available, and physical damage coverages (collision and comprehensive) with options to tailor limits and add coverage for accessories and riding gear. Industrywide, shoppers remain highly price‑sensitive and are re‑quoting more often, according to the J.D. Power 2025 U.S. Insurance Shopping Study. In digital experiences, clarity and ease remain key drivers of satisfaction per J.D. Power’s 2024 Digital Experience Study. Safety features also matter: research from IIHS links motorcycle antilock braking systems (ABS) to lower crash losses, which helps explain why ABS and rider training can influence pricing and discounts where permitted.
Savings paths Allstate advertises (availability and amounts vary by state) include:
- Multi-policy (bundle) discount — Allstate markets up to 25% savings for auto+home bundles (actual savings vary by state and policy)
- Multi‑bike savings when you insure more than one motorcycle on the same policy
- Approved rider safety/defensive driving courses and eligible motorcycle organization memberships
- Billing and account discounts such as Autopay (EZ Pay), Pay‑in‑Full (FullPay), Paperless/eSmart, Early Signing, and Responsible Payer where offered (Allstate’s discounts catalog outlines naming and eligibility on auto; motorcycle availability varies by state)
- Vehicle/safety equipment credits like anti‑theft devices and ABS where applicable; ABS is associated with lower crash involvement per IIHS research (discounts vary by state and program)
- Telematics: Drivewise offers an activation discount and the chance to earn cash back every 6 months for safe driving, and Milewise provides per‑mile pricing for low‑mileage drivers — these programs are primarily for auto policies; they may help lower your total Allstate spend when you bundle, but they don’t typically apply to motorcycle premiums
Overall, Allstate’s mix of agent support and digital tools suits riders who want straightforward coverage with bundling opportunities and flexible ways to quote and buy.
Product Overview
Best for
Riders who want mainstream coverage, strong multi‑policy savings potential, and a digital quote experience with easy agent access when needed
Not for
Collectors who need agreed‑value coverage for classic/vintage motorcycles (Allstate insures older bikes on actual cash value, not agreed value)
Features
| Price | Quotes differ from person to person |
| In business since | 1931 |
| Standout features | Online quote tool with agent handoff Custom parts & equipment (CPE) and riding gear coverage Towing and trip interruption options Bundling savings up to 25% on auto+home (varies by state) |
| Number of states served | 50 |
| A.M. Best financial strength rating | A+ |
| A.M. Best issuer credit rating | aa |
| Moody’s financial strength rating | A1 |
| S&P Global financial strength rating | AA- |
| Number of discounts | Varies by state |
Excellent coverage options
Allstate’s motorcycle policies include standard liability and physical damage coverages, with optional custom parts and equipment (CPE) for aftermarket accessories and safety apparel, plus roadside/towing and trip interruption options for touring riders. These options are outlined on Allstate’s motorcycle page (Allstate), and availability and limits vary by state. If you’re comparing across brands, note that some competitors include accessory coverage by default when you carry comp/collision and allow higher accessory limits for heavily customized bikes (Progressive; GEICO).
Lease/loan gap insurance
If you’re financing or leasing a motorcycle, ask an agent about loan/lease gap coverage and eligibility in your state; requirements often include carrying collision and comprehensive, and offerings vary across insurers. Coverage terms differ by carrier and program, so confirm details during quoting and compare like‑for‑like per guidance in Bankrate’s motorcycle insurance guide.
Plenty of ways to save
Allstate highlights multiple savings levers. The biggest, widely marketed lever is bundling: save up to 25% by combining auto and home (savings and eligibility vary). Additional savings may include multi‑bike, approved safety training, and billing/program discounts like Autopay (EZ Pay), Pay‑in‑Full (FullPay), Paperless/eSmart, Early Signing, and Responsible Payer as listed on Allstate’s discounts page (auto; motorcycle availability varies by state). Telematics such as Drivewise and Milewise are auto programs; they can help lower household costs when you bundle, but typically do not apply to motorcycle premiums.
Streamlined quote process
Allstate’s online quoting uses information you provide along with data from third parties and consumer reporting agencies to prefill and rate your quote, which reduces manual entry (Allstate Privacy). Best practice disclosures note that insurance quote inquiries are typically “soft” and do not affect your credit score (CFPB). During or after quoting, you may see optional messaging about Drivewise (app‑based safe‑driving rewards) and separate pricing options like Milewise pay‑per‑mile for low‑mileage drivers in participating states. You can typically bind online with e‑sign or hand off seamlessly to an agent; Allstate’s strategy emphasizes expanding direct/digital access alongside agents (Allstate Transformative Growth). Clear, mobile‑friendly explanations of coverage and price changes align with what J.D. Power finds drives satisfaction in digital insurance experiences (study).
Possible drawbacks
No vintage motorcycle coverage
Clarification: Allstate can insure older or vintage motorcycles on a standard policy that settles physical damage on actual cash value (ACV), and you can add custom parts/equipment coverage; however, Allstate does not publicly market a dedicated agreed‑value collector program (Allstate). Collectors who want agreed/guaranteed value often choose specialty carriers such as Hagerty or Markel.
Fewer discounts than competitors
Discount names, eligibility, and amounts vary by state across all major carriers, so comparing “count of discounts” isn’t apples‑to‑apples. Allstate’s most material lever is bundling (up to 25% for auto+home, subject to state/policy). When you compare quotes, match the same liability limits, deductibles, and accessory/custom parts limits. Note that some rivals, such as Progressive, include accessory coverage with comp/collision by default and offer optional total loss/new bike replacement in some states—choices that can change both price and protection.
The Competition
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Allstate vs. Progressive
Progressive is a top direct writer with broad online quote/bind and strong motorcycle features. Progressive commonly includes accessories/custom parts coverage when you carry comprehensive and collision and lets you raise those limits; it also offers optional total loss/new bike replacement for qualifying new motorcycles in some states, plus OEM parts options and roadside/trip interruption add‑ons (Progressive). Allstate competes well for riders who value agent advice and bundling with home/auto. Given elevated shopping activity in 2025 (J.D. Power), collect quotes from both with identical liability limits, deductibles, and accessory limits to see which meets your needs at the best price.
Allstate vs. Nationwide
Both are large multi‑line carriers known for agent support and bundling options. Results will vary widely by state, rider profile, and bike type. Focus your comparison on the coverage details that drive price: accessory/custom parts limits, roadside/trip interruption, and any new‑bike or OEM parts options. Matching these inputs across quotes is essential for an apples‑to‑apples comparison, a point emphasized in Bankrate’s motorcycle insurance guide. Also consider household savings from bundling auto/home with your motorcycle policy (Allstate markets up to 25% for auto+home: details).
Allstate vs. State Farm
State Farm and Allstate both lean on agent guidance with growing digital tools. If you prefer in‑person advice and want to bundle multiple policies, include both in your quote set. As with any comparison, align your limits and accessory coverage, then evaluate optional add‑ons like roadside/trip interruption and any OEM parts language. Given shifting market prices and ongoing digital enhancements across carriers, re‑shop periodically to validate value (J.D. Power).
Allstate Motorcycle Insurance FAQ
Does Allstate motorcycle insurance cover medical bills?
Yes, if you add medical payments (MedPay) where available. MedPay can help pay reasonable and necessary medical expenses for you and a passenger after a covered accident, regardless of fault. Note that in many no‑fault states, personal injury protection (PIP) rules differ for motorcycles. For example, New York’s no‑fault benefits don’t apply to motorcycles (New York DMV), Pennsylvania does not require first‑party medical benefits for motorcycles (PennDOT), and Michigan does not require motorcycle PIP (Michigan DIFS).
Does Allstate motorcycle insurance cover other riders?
Standard options include uninsured/underinsured motorist (UM/UIM) bodily injury coverage to help protect you and your passengers if you’re hit by an at‑fault driver with too little or no insurance. Medical payments (where offered) can also help cover medical costs for you and your passenger after a covered accident. Availability and limits vary by state, so review specifics in your quote.
Is motorcycle insurance mandatory?
Nearly all states and D.C. require motorcycle liability insurance. As of 2025, two notable exceptions are Florida and New Hampshire, which do not mandate motorcycle insurance to register/operate but do enforce financial‑responsibility rules after certain crashes or violations (Florida Highway Safety; New Hampshire DMV). Virginia ended its Uninsured Motor Vehicle fee and requires liability insurance for all motorists effective July 1, 2024 (Virginia DMV). Minimum limits also change: for example, California’s limits increased to 30/60/15 on Jan. 1, 2025 (California Vehicle Code §16056).
The Bottom Line
Allstate is a strong fit for riders who want mainstream coverage, potential household savings from bundling, and a modern quote‑to‑bind experience with easy agent access. It can insure older/vintage motorcycles on an ACV basis and offers optional CPE and roadside/trip interruption, but it doesn’t publicize an agreed‑value collector program—collectors should price specialty options (e.g., Hagerty, Markel). Because features and discounts vary by state and rider profile, compare at least two or three quotes—include a direct writer like Progressive or GEICO and, if relevant, a specialty carrier like Dairyland—using the same limits, deductibles, and accessory coverage. Bundling can materially change the outcome (up to 25% auto+home with Allstate), and 2025 shopping trends suggest that re‑quoting can uncover savings as pricing shifts over time (J.D. Power).
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