Motorcycle Insurance

Most states require motorcyclists to carry liability insurance. Each state sets minimum liability limits that drivers must purchase.

Certain coverages are required by state law. For example, motorcyclists in most states are required to have motorcycle liability coverage. Other coverages — such as comprehensive coverage or collision coverage — may be optional if you own your bike outright. If you lease or finance your motorcycle, your lender may require you to purchase collision coverage and comprehensive coverage until your bike is paid off.

There are many types of coverage available, and options vary from state to state. What your motorcycle insurance policy covers will depend on the types of coverage you select.

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 up to the actual cash value of your bike.

Allstate does offer coverage for your ATVs, UTVs and off-road vehicles that is separate from motorcycle coverage.

In most states, passengers riding your motorcycle are covered on your policy. However, this coverage can be optional in some states, so it's best to talk with your Allstate agent to see which applies to you.

A number of things factor into the pricing of a motorcycle policy including your age, the type of bike and the types of coverages you select, but there are a number of ways to save on your premiums. You may receive a break for insuring multiple bikes or bundling your motorcycle policy with other Allstate policies.

If you store your bike, it's always a good idea to maintain coverage. Your policy includes seasonal pricing spread over a 12-month-policy period that accounts for reduced amount of time riders typically spend on the road in cold climates, while providing year-round coverage that can be used on unseasonably warm winter days.

Yes! If you participated in a qualifying Motorcycle Safe Driving Program sometime in the past 36 months, you can help lower your premium with this discount².

If the claim investigation reveals that there's a chance to recover the damages from the person responsible for the accident, Allstate will try to recover the damages, including your share of the deductible.

Every policyholder's situation is unique, so depending on your circumstances, your premium may be affected. If you are concerned, don't hesitate to discuss it with your Allstate agent. You may also want to ask them about First Accident Waiver³, which may help prevent your rates from going up just because of an accident, even if it's your fault.

Every claim is unique, and there are a lot of different things that could affect how long it takes to resolve your claim. At Allstate, our claims teams are made up of experienced professionals who will always do their best to get your claim resolved efficiently. You can help your claim go smoothly by providing Allstate with all the information you can about the incident.

If you selected rental reimbursement or transportation expense as a coverage option, Allstate will help reimburse you for expenses such as a car or cycle rental after a covered claim, up to the amount shown on your policy declarations. See your policy for a complete description of terms and limitations.

Before an accident, learn about the basic steps you can take to stay safe and follow the law.