Motorcycle Insurance from Allstate

Call 1-877-379-BIKE (2453) for a Motorcycle Quote

Accidents happen whether you’ve been riding for 30 years or 30 miles. Good thing Allstate protects you and your bike with motorcycle policies starting as low as $100.¹

Motorcycle Insurance: What's Really Required?

Two coverages required by law—Property Damage Liability and Bodily Injury Liability—are automatically part of any motorcycle policy you buy.

Property Damage Liability Coverage helps protect you from paying for the repair or replacement of another motorist’s vehicle or property, including vehicles, homes, or other structures.

Bodily Injury Liability Coverage helps protect you from paying medical costs, loss of income, and funeral expenses of other people involved in an accident. Two important notes:

In some states, bodily injury to a passenger is covered separately under
Passenger Liability coverage.
In other states, you can pay an additional premium so that Bodily Injury Liability Coverage applies to passengers.

Rider Protection Accident Protection Everything Else Protection Protection From The Other Guy Protection From Medical Bills Passenger Protection Rising Premium Protection After Market Protection Breakdown Protection Balance Due Protection Replacement Ride Protection

Allstate Rider Protection^SM

Allstate Rider Protection takes motorcycle insurance coverage to the next level, covering both your bike and its most important feature—you.

Accident Protection

Hit something and your bike probably needs repairs. Collision coverage typically covers the damage if you collide with another object (car, motorcycle, tree, building, etc.).

Everything Else Protection

Sometimes a bike gets totaled while it’s sitting parked. Comprehensive Coverage typically pays for damage or loss caused by something other than a collision, including theft, fire, vandalism, windstorm, or hitting an animal.

Protection from the Other Guy

Sometimes “the other guy” doesn’t have enough insurance—or (shudder) any insurance at all. Uninsured/Underinsured Motorist coverage helps pay your medical expenses and covers damage to your bike if a person with little or no insurance hits you.

Protection from Medical Bills

After an accident, the last thing you need to worry about is paying your medical bills. Motorcycle Medical Payments Coverage typically helps pay for injuries from an accident, including ambulance, hospital, x-ray, dental, and surgical.

Passenger Protection

Guest Passenger Liability protects guest passengers who share a ride with you.

Rising Premium Protection

Accidents happen. Adding First-Accident Waiver coverage means your premium won’t go up after your first accident.

After-Market Protection

Custom everything? Optional or Added Equipment coverage protects you with up to $30,000 of extra coverage.

Breakdown Protection

Towing & Labor Costs coverage reimburses you for towing costs and related labor.

Balance Due Protection

What’s worse than totaling your bike? Totaling it before it’s paid off. Lease/Loan Gap Coverage typically pays the difference between your loan or lease balance and your bike’s worth. Important note: both Comprehensive and Collision coverages must be on the same policy.

Replacement Ride Protection

If your ride’s out of commission, Rental Reimbursement can help cover rental car costs. Important note: you typically have to make a Collision or Comprehensive Coverage claim to take advantage of Replacement Ride Protection.

Tools Worth the Trip

A lot of our agents ride. We developed these rider-specific tools with their help.

Get Clear-cut Coverage Info

Check out our simple PDF guide for the no-nonsense bottom line about how policies work.

Price Your Ride Right

Take our pricing tool for a spin to help make sure you get the most for your bike.

call 1-877-379-BIKE

¹ Annual motorcycle premium can vary based on coverage options selected. Motorcycle coverage is subject to terms, qualifications, and availability. Policy issuance is subject to qualifications. Motorcycle insurance is available through Allstate Insurance Company, Northbrook, IL.² In some states, bodily injury to a passenger is covered separately under Passenger Liability coverage.³ In most states, bodily injury to passengers on your bike is automatically provided under this coverage. In other states, you can pay an additional premium so that Bodily Injury Liability also applies to passengers.⁴You can typically take advantage of this coverage only if you've made a claim for Collision or Comprehensive Coverage.

Motorcycle Insurance from Allstate

Call 1-877-379-BIKE (2453) for a Motorcycle Quote