Insurance for your motorcycle or scooter
An Allstate® motorcycle insurance policy can help protect your bike, scooter or trike — whether it's your main mode of transportation or your weekend ride. And, insurance can help protect you in case of an accident. In fact, many states require motorcyclists to purchase minimum amounts of insurance coverage in order to drive legally on the road.
Motorcycle insurance coverage options
- Bodily injury liability coverage
Helps cover 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 other states, guest passenger liability may be offered as a separate coverage. Note that this coverage does not pay for your own medical bills.
- Property damage liability coverage
Helps cover damage to another person's property when you are at fault. For instance, it may help pay for repairs if you damage other vehicles, private residences, storefronts or other structures. This coverage does not pay for repairs to your own bike.
- Medical payments coverage
Helps cover reasonable and necessary medical expenses, like ambulance rides and X-rays, that are the result of an injury to you or your passengers on your motorcycle.
- Personal injury protection
This type of coverage can help reimburse you for medical bills, lost income, funeral expenses, childcare, and more if you're hurt in an accident. This protection is not available in all states.
- Collision coverage
Covers damage to your motorcycle that result from a collision with another object, which can include a car or a motorcycle, a tree or a building. It can also cover an upset of your motorcycle, which can help cover your bike due to loss of footing, falling over or sliding out and making contact with the ground. You can choose your own deductible for this coverage.
- Comprehensive coverage
Covers damages to your motorcycle not caused by a crash with another vehicle or other object — 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 coverage
If you get into an accident on your motorcycle and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passenger's.
- Towing and labor coverage
Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident.
- Rental reimbursement coverage
Helps cover the cost of a rental if your bike is stolen or being repaired in a shop.
- Motorcycle and off-road vehicle transport trailer damage coverage
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 coverage
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 gap coverage, you need to have comprehensive and collision on the same policy.
- Optional or added equipment coverage
With Allstate, your policy automatically comes with $1,000 worth of coverage on aftermarket upgrades such as custom seats, crash bars and fairings. You can buy extra coverage up to $30,000. This includes any changes or enhancements made to your motorcycle that it did not come from the factory/manufacturer with, including dealer added upgrades at point of sale. This coverage also includes manufacturer branded accessories. Optional Equipment comes with the purchase of Comprehensive, but Collision Coverage must be present in addition for it also to apply to a Collision coverage loss.
Deductibles and limits
When you purchase a motorcycle insurance policy, you can select deductibles and coverage limits based on your needs.
Upgrades for your motorcycle policy
Dependable coverage and the support of a local agent are just the beginning of what you'll get with an Allstate motorcycle insurance policy. You can also choose features like the Rider Protection Package®¹ and the First Accident Waiver², which give you outstanding protection and benefits.
Protect yourself and your family with the Rider Protection Package®
If you're in a serious or fatal covered accident, you'll likely need help, regardless of who is at fault. That's what makes the Rider Protection Package so invaluable. It can provide death and dismemberment coverage and cash benefits to you, or your family. Ask your Allstate agent about adding it to your policy.
Totaled your bike? New Motorcycle Extended Protection³ coverage can help
If your new motorcycle is totaled, there's no replacing it in your heart, but you can replace it in your driveway. New Motorcycle Extended Protection coverage gives you a new bike so you can get right back on the road, where you belong. Find an agent for more details.
Have your first accident waived
We all make mistakes. Luckily, with First Accident Waiver, your insurance premium won't go up just because of your first accident. The feature is offered at no extra charge, if you're eligible. Talk to an agent to see if you are. To be eligible to use the waiver, four things must happen:
- It has to be the only accident within a certain time period where you were at fault — on any motorcycle.
- Your motorcycle insurance policy with Allstate needs to be at least 48 months old.
- Both the bike and the driver have to be covered when the accident happens.
- The covered driver can't be charged with any major traffic violation related to the accident.
If you have questions about insuring your scooter or motorcycle, or want to be sure you have the coverage required in your state, a local Allstate agent can help.