What does motorcycle insurance cover?
Motorcycle insurance was designed to protect your bike…and you.
A standard motorcycle policy will typically cover:
- Bodily injury liability coverage
- Property damage liability coverage
- Medical payments coverage
But that’s just the tip of the iceberg. Visit the coverage page for a full list of motorcycle insurance coverage options.
Learn about motorcycle insurance
Coverage & PoliciesLearn how Allstate protects you and your motorcycle.
DiscountsFind out how to save money on motorcycle insurance.
ClaimsGet helpful information about filing a motorcycle insurance claim with Allstate.
Ride with peace of mind
Whether it's your main mode of transportation or your weekend ride, you want to protect your wheels. An Allstate motorcycle insurance policy can help you do just that.
What types of vehicles are covered with Allstate motorcycle insurance
Here’s a list of some of the types of vehicles Allstate motorcycle insurance covers:
The most common type of motorcycle, featuring a V-twin and full-view engine
- Sport bikes
Fast, high-performance motorcycles, also known as street bikes
- Touring bikes
Motorcycles built for comfortable, long-distance riding
- Scooters & mopeds
Small, lightweight bikes that run on a smaller engine
Putting motorcycle rider safety first
Allstate is dedicated to helping keep motorcycle riders safe. Here are some of the ways we accomplish this:
- Provide tools & resources to help riders take charge of their own motorcycle safety.
- Help install "Watch for motorcycle" signs at intersections across the country.
- Reward you with a discount for taking a motorcycle safety course¹.
Motorcycle insurance FAQs
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.
Comprehensive coverage covers damages to your motorcycle not caused by a crash with another vehicle, which includes theft. You're typically covered up to the actual cash value of your bike.
Yes, Allstate offers 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, since this coverage isn’t nationwide, it's best to talk with your Allstate agent to see which applies to you.
There are several factors that determine the cost of a motorcycle policy. These include your age, the type of bike you ride and the types of coverages you select. If you’re concerned about pricing, 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.
Even if you store your bike, it's still 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 those pleasantly surprising warm winter days or maintain coverage for unexpected damage to your bike while in storage such as a roof collapse from a storm or a fire.
Absolutely. If you participated in a qualifying Motorcycle Safe Driving Program sometime in the past 36 months, you can help lower your premium with this discount¹.
You may be able to recover damages, including your share of the deductible, from the person responsible for the accident. Allstate will try to help with this if the claim investigation finds the other person was at fault.
Every policyholder's situation is unique, so depending on your circumstances, your premium may be affected. You can always discuss these details with your Allstate agent. You may also want to ask them about First Accident Waiver², which may help prevent your rates from going up just because of an accident, even if you’re at fault.
There are a variety of factors that may affect how long it takes to resolve your claim. Allstate's claims teams are made up of experienced professionals who always do their best to get your claim resolved quickly and efficiently. To help the claim process go more smoothly, be sure to provide 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.
The best way to avoid an accident is to learn basic safety steps and follow the rules of the road.