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State Farm Review
State Farm is a large, financially strong insurer. Its core auto and property companies hold AM Best’s highest Financial Strength Rating of A++ (Superior) with Stable outlooks, and peer agencies rate the group very highly as well (S&P: AA; Moody’s: Aa1). See the company’s current ratings summary and what A++ means here: State Farm financial strength and AM Best rating scale.
Alongside auto, home, and life, State Farm also writes motorcycle insurance with agent-guided options. Core protections on its motorcycle page include liability, collision, comprehensive, uninsured/underinsured motorist, emergency roadside service, and travel expense (trip interruption). Coverage for custom parts and equipment is also available; specifics vary by state and bike type (State Farm motorcycle insurance).
- Collision damage to your motorcycle (crash-related repairs after a covered loss) (source)
- Custom parts and equipment/accessories options for add-ons and mods (source)
- Sidecars that are attached can be scheduled with the policy (source)
- Trip interruption (travel expense) coverage for lodging/meals after a covered breakdown or loss (source)
- Emergency roadside service for towing and assistance (source)
- Uninsured/underinsured motorist coverage (bodily injury and, where available, property damage) (source)
- Your state’s liability requirements (bodily injury/property damage) (source)
- Vandalism, fire, theft, and other non‑collision losses via comprehensive—even during storage (source)
Recent J.D. Power research shows industry satisfaction has been pressured by rate increases, but State Farm’s results are generally competitive, with performance varying by region and metric in the 2024 U.S. Auto Insurance Study, the 2024 U.S. Auto Claims Satisfaction Study, and the 2024 U.S. Insurance Digital Experience Study. For complaint context, the NAIC Complaint Index explains how to compare company complaint levels to market share by line and year.
Discounts have expanded since 2020. State Farm publicly lists a broad auto discount menu—multi‑policy, multi‑vehicle, safe/accident‑free, good student, defensive/driver training, anti‑theft/safety devices, and more (auto discounts). Its telematics program, Drive Safe & Save, is for auto policies and is not typically applied to motorcycle rating; motorcycle savings more often come from bundling, multi‑bike, anti‑theft, and rider safety course credits (motorcycle page; J.D. Power 2025 UBI context).
Market context for riders: independent analyses place typical nationwide motorcycle premiums around about $60/month for full coverage and mid‑$20s for liability‑only, with actual quotes varying by state, bike, and profile (NerdWallet 2025 benchmark). Theft risk peaks in warm months (NICB), severe weather is producing more billion‑dollar disasters (NOAA), and premium inflation has been elevated (BLS CPI)—all factors that make comprehensive, accessories coverage, and right‑sized liability limits important.
| Pros | Cons |
|---|---|
| Telematics savings (Drive Safe & Save) apply to auto, not typical for motorcycle pricing; fewer motorcycle‑specific online features than Progressive |
Bottom line up front: State Farm pairs top‑tier financial strength with agent help to tailor motorcycle coverages (emergency roadside, travel expense, custom parts) while offering broad auto/home discounts and digital self‑service. For riders, bundling and safety‑course/anti‑theft credits tend to matter more than telematics, since usage‑based programs like Drive Safe & Save target autos rather than motorcycles (State Farm motorcycles; Drive Safe & Save).
State Farm Overview: Financial Strength, Availability, and History
State Farm has an A+ with the Better Business Bureau; large national insurers routinely show some complaints given their scale. Its insurance subsidiaries carry AM Best’s A++ (Superior) financial strength rating with Stable outlooks, and peer agencies also rate the group very strongly (current ratings; A++ explained).
The BBB profile includes alerts. Separately, in California, State Farm General announced non‑renewals of roughly 72,000 property policies (about 30,000 homeowners and 42,000 commercial apartment) in March 2024 amid wildfire risk, inflation, and reinsurance costs; the Department of Insurance said it would investigate, and a public hearing was set on a homeowners rate filing commonly reported near 28–30% on average (State Farm Newsroom; California Department of Insurance; Reuters). California’s “Sustainable Insurance Strategy” in 2024–2025 advances catastrophe‑modeling and reinsurance recognition in rates with commitments to write in higher‑risk areas (CDI strategy).
On YouGov State Farm remains among the most popular national insurance brands, with shifting sentiment as new survey waves are published. For an additional quality lens, the NAIC Complaint Index tool shows company‑specific complaint ratios by line versus the market average (1.0).
Beyond early‑pandemic relief to small businesses and nonprofits, current giving emphasizes recurring, nationwide programs: the annual Neighborhood Assist awards that grant 100 community causes $25,000 each (totaling $2.5 million per year), disaster readiness as an American Red Cross Annual Disaster Giving Program/Disaster Responder member, and safety/education partnerships like Safe Kids Worldwide and FIRST.
- In business since 1922
- States served: 50
- Offers multiple types of insurance
- Has a cutting edge mobile app and web presence (digital ID, claims, roadside, agent chat; see mobile app features)
- Publicly lists a broad discount slate (auto/home) and agent‑guided motorcycle options; actual savings vary by state and profile (discounts)
The Competition
| Advertised discounts | AM Best Financial Strength Rating | 24/7 Claims Support | Online Resources | Vintage/ Classic bike coverage | |
| State Farm | Multi‑policy, multi‑vehicle/multi‑bike, safe/defensive driving, good student, anti‑theft; telematics geared to auto (Drive Safe & Save), not typical for motorcycle | A++ | ✔ | ✔ | ✔ |
| Allstate | Multi‑policy, multi‑bike, rider safety course, anti‑theft, pay‑in‑full; agent‑supported | A+ | ✔ | ✔ | N/A |
| Progressive | Multi‑policy, responsible driver, safety course, association/club, pay‑in‑full; strong motorcycle‑specific options | A+ | ✔ | ✔ | ✔ |
| Nationwide | Multi‑policy, multi‑bike, rider safety course, anti‑theft; availability varies by state | A+ | ✔ | ✔ | ✔ |
All information accurate as of 2025.
The Bottom Line
State Farm motorcycle insurance is a strong choice if you want top financial strength and an agent to help tailor protection for you, your passenger, and your bike—especially options like emergency roadside service, travel expenses, and custom parts/equipment coverage (product details).
Discounts are robust across State Farm’s portfolio, but note the distinction: usage‑based telematics like Drive Safe & Save apply to autos. Motorcycle savings typically come from bundling with home/auto, multi‑bike, anti‑theft equipment, and rider training, with exact eligibility set by state (auto/home discounts; motorcycle page).
The State Farm Mobile app supports ID cards, payments, claims (including photo estimating for eligible autos), roadside requests, agent messaging, and Drive Safe & Save enrollment. Storefront ratings are consistently above 4.5/5 on iOS and Android, and the Android listing shows 10M+ installs (App Store; Google Play; features). Digital experience is a major driver of satisfaction per J.D. Power 2024; riders increasingly expect fast, mobile self‑service for quotes, endorsements, and claims tracking.
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