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Last updated on November 16, 2015

State Farm Review

State Farm motorcycle insurance stands out from the rest by offering competitive discounts and coverage for all kinds of motorcycles, which makes State Farm a solid choice for all motorcycle owners.

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The Good

Vintage and custom bike coverage

State Farm insures custom and classic motorcycles, in addition to factory-built models, which is rather unusual, since many motorcycle insurance companies don’t offer this type of coverage. This is because the replacement cost for custom or classic bikes is so much higher than that of your standard motorcycle. State Farm motorcycle insurance offers both collision and comprehensive coverage, so you can protect your vintage or custom bike from all sorts of damage.

Several ways to earn discounts

State Farm offers you a multitude of ways to save money on your motorcycle insurance policy, by giving discounts for things like insuring multiple motorcycles, completing a safety course, and being a responsible driver. You can also earn discounts for remaining claim-free and installing anti-theft devices on your motorcycle. If you are able to go three years without an accident, you qualify for State Farm’s Accident Forgiveness program, so you don’t have to worry about a single accident raising your rates.

Financially secure company

State Farm has earned A.M. Best’s highest financial strength rating of A++. Very few motorcycle insurance companies can claim this high of a rating, which indicates that State Farm is very financially secure, and that they shouldn’t have any trouble meeting their obligations to their customers. If you choose to go with State Farm motorcycle insurance, you can feel confident knowing that they will be there to help you when you need them.

The Bad

Must speak to a representative to get a quote

State Farm does not have an online quote tool available for motorcycle insurance at this time, so you have to speak to a representative, either in person or over the phone, if you would like to get a quote. Online quote tools are a great way for you to compare rates and coverage options between motorcycle insurance companies. Although some people might find this a little inconvenient, especially if they are just looking around at their options, it shouldn’t be a huge issue for most.

The Details

Provider Details

  • A.M. Best FSR Rating: A++
  • A.M. Best ICR Rating: aa+
  • Moody's Rating: Aa1
  • Standard & Poor's Rating: AA