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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 5, 2022

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The Full Review

  • Allstate sells liability-only and full coverage motorcycle insurance policies
  • Allstate offers discounts to motorcyclists
  • You can get a free motorcycle insurance quote online

There is no better feeling than hopping on your bike and cruising down the road when the sun is shining. But, of course, before you rev up your engine, you will need to be sure that you are properly insured. Companies like Allstate can get you coverage to keep you and your motorcycle protected whenever you’re out for a ride, whether you live in Ohio, Florida, or anywhere else in the United States.

Keep reading this Allstate motorcycle insurance review to discover more about this company’s coverages, and learn if Allstate is the best choice for you.

What motorcycle coverages does Allstate offer?

If you are looking for solid coverage, you can turn to Allstate as this company offers:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments (MedPay)
  • Personal injury protection (PIP)

In addition to these traditional forms of coverage, Allstate also provides additional forms of coverage for you to purchase. For example, you can buy coverage like towing and labor, rental reimbursement, and equipment coverage, just to name a few.

Allstate’s additional coverage options allow you to truly customize your policy. This company’s motorcycle policies could be a great choice for enthusiastic motorcyclists who are out on their bikes as often as possible.

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Is it easy to file an Allstate motorcycle insurance claim?

If you need to file a claim with Allstate, you can do so easily. You can call your agent, file a claim online, or call 800-669-2214 to get the process started. Once you have filed your claim, you will be able to track its progress online or reach out to the Allstate representative in charge of your claim.

Are Allstate motorcycle insurance rates affordable?

On average, motorcyclists in the U.S. pay $721 per year, but you will not know how much you will pay for an Allstate motorcycle insurance policy until you get a quote. Rates can vary wildly from person to person based on a variety of factors.

For example, if you live in Wyoming, are in your 30s, and have no major traffic violations on your record, you could pay very little for motorcycle insurance. On the other hand, if you are in your 80s, live in California, and have a checkered driving history, your rates could be quite high.

Bear in mind that your coverage options will also affect your rates. For example, if you need cheap motorcycle insurance, you may want to consider purchasing liability-only coverage.

Does Allstate offer motorcycle policy discounts?

One way to reduce your Allstate premiums is to take advantage of the many discount opportunities offered by the insurer. These include:

Discount NameHow to Qualify
Multiple motorcycle discountInsure more than one motorcycle with Allstate
Multi-policy discountOwn multiple Allstate insurance policies
Good Ride discountGo 60 months without an at-fault accident or traffic violations
Motorcycle policy transfer discountBring your motorcycle policy with another insurance company to Allstate
Motorcycle organization membership discountJoin a riding organization
Motorcycle safety course insurance discountPass a motorcycle safe driving program in the past 36 months
Easy Pay PlanSet up automatic payments
Early signing discountSign up for a new policy at least seven days before your current policy expires
FullPayPay your policy in full
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If you want to make sure that you are saving as much money as possible, request free quotes from multiple insurance companies to verify that you are getting the best deal possible.

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What is Allstate?

Founded in 1931, Allstate is a titan in today’s insurance marketplace. Allstate offers a wide range of insurance products, a mobile app, and online tools that promote client convenience. You can log into your account to make payments and review your policy documents at any time. In addition, you can get free motorcycle insurance quotes directly from the Allstate website, or you can call a local agent for more information.

Is Allstate highly rated?

Allstate is an A.M. Best A+ rated company. With this stellar rating, you can be sure that Allstate has the financial reserves necessary to pay out any claims you may file. If your goal is to work with financially strong companies, you can use this data table to see how Allstate compares to other major insurance companies:

CompanyA.M. Best RatingDirect Premiums WrittenMarket ShareLoss Ratio
Liberty MutualA$424,1064.85%61.06%
State FarmA++$1,779,91520.35%63.70%
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Allstate is not a Better Business Bureau (BBB) accredited company, but it does have an A+ rating from the BBB. It’s worth noting that out of 471 reviews, customers have only given Allstate 1.11 out of 5.0 stars.

Who should buy Allstate motorcycle insurance?

Most states require motorcyclists to have liability insurance. Even if you live in a state that does not require insurance, it is in your best interests to have coverage. If you were hit by an uninsured motorist or struck someone while driving, all the financial burden of those incidents would fall squarely on your shoulders.

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What You Need to Know About Allstate Motorcycle Insurance

Even if Allstate doesn’t offer the cheapest motorcycle insurance, you may still want to consider buying a policy from this company. Allstate has the financial strength to reimburse you for claims, and this company offers a wide range of additional coverage options that can allow you to customize your policy.

You can also take advantage of discounts to lower your policy rates and Allstate’s online features to save time when reviewing your policy.

Of course, if Allstate’s motorcycle insurance policies do not fit within your budget constraints, you can shop online to find an insurance company that is better suited to your needs.