Summary of cheap motorcycle insurance
At Allstate, we help you get affordable motorcycle insurance that fits your needs and your budget. Get reliable protection for you, your passengers, your bike and aftermarket accessories at lower rates without sacrificing the quality of your coverage. Allstate offers plenty of ways to save, like discounts for safe riding, bundling policies, and insuring multiple motorcycles. We’ll help keep your costs low while staying covered on the road so you can ride with confidence.
How do I get cheap motorcycle insurance?
Good coverage shouldn’t come with a heavy price tag. That’s why Allstate offers a range of coverage options to make sure you, your passengers and your bike are protected on the open road.
Affordable rates
Enjoy budget-friendly rates for your ride that fit your lifestyle.24/7 support
Talk to Allstate experts about claims and coverage anytime.Added equipment
Get $1,000 worth of coverage on aftermarket upgrades.
How can I save money on motorcycle insurance?
Allstate offers plenty of ways to keep more money in your pocket without cutting corners on protection. Whether you’re bundling policies, covering multiple bikes or have a clean record, we make it easy for you to ride smart with bigger savings.
Bundle and save
Covering more than just your bike? Our multi-policy discount saves you money when you insure your bike along with auto, home and more. Explore our motorcycle bundling options to see how you can save.
Discounts
- Good rider discount: Get rewarded for safe riding. If you go 60 months without an accident or major traffic violations, you’re eligible to save even more with the Good rider discount.
- Motorcycle policy transfer discount: Save more with a welcome discount if you have a motorcycle policy with another insurance company and switch to Allstate.
- Multiple motorcycle discount: Own more than one bike? Save even more by insuring multiple motorcycles with Allstate.
Can I bundle policies to get cheap motorcycle insurance?
You can save more when you bundle policies, like auto and motorcycle insurance. Quickly access them from one login where you can review or adjust your coverage, make payments and more.
What motorcycle coverage do I need?
We offer a variety of personalized options so you pay only for the coverage you need. Keep in mind that choosing less than full coverage can come with risks, including expensive out-of-pocket repairs or losses if your bike is damaged or stolen.
Be sure to check your state’s legal requirements and we’ll help build a plan that protects you and your wallet.
Why should I choose Allstate for cheap motorcycle insurance?
Allstate offers free, personalized quotes for your motorcycle policy that fit your bike, your budget and your lifestyle. You can ride with confidence knowing you’re backed by trusted Allstate agents and that you’re covered every mile without lowering the quality of your coverage.
Cheap motorcycle insurance FAQs
The cost of motorcycle insurance depends on the type of coverage you get, as well as other factors, including driving record, age and location. According to MoneyGeek.com, in 2025 the national average motorcycle insurance cost and average of $141/mo for minimum coverage and $364/mo for full coverage.
Most states require that you carry at least a basic amount of liability coverage for your motorcycle. This helps cover injuries or property damage to others if you’re ever in an accident. Some states also require uninsured or underinsured motorist coverage (UM/UIM), while a few don’t have any minimum requirements at all. Coverage types and limits can vary, so be sure to check your state’s requirements.
Allstate offers discounts to eligible riders who have completed a motorcycle safety course within the past 36 months. Discounts like these help reward smart riding habits while keeping everyone safer on the road.
Finding cheap motorcycle coverage that fits your lifestyle can be tricky. The key is to choose the right coverage that won’t leave you paying for high-dollar damages out of pocket. Learn more about choosing cheap motorcycle insurance that fits your needs.
If you are considered a high-risk driver, check out Direct Auto, a member of the Allstate family of companies. Direct Auto offers a variety of higher-risk, affordable motorcycle insurance options that will keep you safe on the open road without breaking the bank.