Motorcycle Insurance

Motorcycle Insurance Coverage

Coverage That Rides With You.

Show your motorcycle how much you love it by protecting it with quality coverage from Allstate. There are many types of coverage available, and options vary from state to state. A knowledgeable Allstate agent is ready to help you understand what coverage is available to you, so you can select a motorcycle insurance policy that helps protect you and your bike. Your policy can include:

  • Bodily injury liability coverage
    Covers things like medical expenses and lost wages that result from the injury or death of another driver when you're at fault. In some states, this liability extends to passengers on your motorcycle, too. In others, it may be offered separately.
  • Property damage liability coverage
    Covers damage to another person's property when you are at fault. You may be liable for other vehicles, private residences, storefronts and other structures.
  • Medical payments
    Covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers, like ambulance rides and x-rays.
  • Personal injury protection
    This type of coverage can reimburse you for medical expenses, lost income, funeral expenses, childcare and more if you're hurt in an accident.
  • Collision coverage
    Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building.
  • Comprehensive coverage
    Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You're typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.
  • Uninsured/underinsured motorist bodily injury
    If you get into an accident and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passengers'. Different states have different requirements for this coverage.
  • Towing and labor
    Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident. Policies for Harley-Davidson, Touring and Touring Sport bikes include this coverage automatically, but you can buy it for other kinds of bikes.
  • Rental reimbursement
    Helps cover the cost of a rental if your bike is stolen or being repaired in the shop.
  • Motorcycle and off-road vehicle transport trailer damage
    Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.
  • Lease/loan gap
    If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get this coverage, you need to have comprehensive and collision on the same policy.
  • Optional or added equipment
    With Allstate, your policy automatically comes with $1,000 worth of coverage on after-market upgrades. You can buy extra coverage up to $30,000.

Get a motorcycle insurance quote, and find an agent to learn more about motorcycle insurance coverage.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary based on state and coverages selected.

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