Allstate Motorcycle Insurance Review, Cost and Discounts

Allstate insurance company offers some of the comprehensive motorcycle insurance coverage in the market. They have the best motorcycle insurance policy for the riders, and offers plenty of coverage options with discounts that other companies don’t. But, all the discounts require some of the conditions. 

Allstate motorcycle insurance coverage might not be the cheapest for you. But often Allstate receives high ratings for their rider friendly coverage options. In this article, we will explore the Allstate motorcycle insurance coverage options, average cost, discounts, policy prices, customer satisfaction rating, review and more. In addition, first we’ll explore the Allstate basic information about the company and AM Best rating, Financial Strength, Type of coverage, Market ratio etc. stay with us at the end.

Introduce of the Allstate Insurance

Allstate is a traditional insurance company with a range of products, including motorcycle insurance. It’s been in business since 1931, so it’s well-established and has the ability to pay its claims. You have to buy your policy through an Allstate agent, which will be a positive for some and a negative for others.

If you’re the type who wants to buy your policy quickly and move on with your life, Allstate isn’t the best choice. If you prefer a traditional approach to insurance, Allstate could be a good choice. This is especially true if you have other policies with Allstate (or if you want to get multiple policies with the insurance provider) so you can take full advantage of the multipolicy discounts.

Allstate Motorcycle insurance review

Allstate also has a few options that it considers upgrades. One is the Rider Protection Package. It doesn’t offer a lot of details on the coverage, but it does mention death and dismemberment coverage as well as cash benefits in the event of an injury. 

Providers offer a wide range of motorcycle insurance policies. The company has many insurance coverage options for any type of motor vehicle, such as: sport bikes, touring bikes, cruisers, scooters, mopeds and others. But, Allstate does not specify antique and classic motorcycle insurance coverage like Nationwide.

It also offers New Motorcycle Extended Protection. Again, it doesn’t offer a lot of details, but it does say it “gives you a new bike” if your new motorcycle is totaled. 

It also has First Accident Waiver, which means your premium won’t increase because of your 1st accident. While this sounds good on the surface, its requirements for the waiver are fairly strict. For example, your policy needs to be at least 48 months (4 years) old. You also can’t be charged with any major traffic violation related to the accident. 

Allstate Motorcycle Insurance Pros and Cons

✔️ Have a dedicated agent❌ The policy has to be bought through an agent.
✔️ Coverage are available for multi-policy discounts
✔️ Available mobile app

Type of Allstate Motorcycle Insurance Coverage Options

Allstate offers many types of affordable motorcycle insurance coverage options for riders. The company ensures the advantage of offering a lot more coverage policies for riders than other companies. Allstate insurance offers basic liability to full-coverage options and other opportunities that many providers don’t. Compare the table below to select your desired coverage option based on your needs:

Liability Coverage for Bodily InjuryThe coverage helps you to cover medical expenses and lost wages, when you’re at fault that result from the injury or death of another rider. Some of the states, this liability may extend for passengers or your travel mate on your bike, too. But remember the coverage does not pay for rider medical expenses.
Liability Coverage for Property DamageThe liability coverage helps you to cover damage when you are at fault for losing another property. For example, If you damage someone else’s vehicle, residence, storefront or any structure, it pays for repairs. Liability coverage for property damage does not pay money for repairs to your own motorcycle.
Collision CoverageIf your bike is damaged as a result of a collision with another car or motorcycle, tree, building or something, this coverage will pay for repairs.
Comprehensive CoverageCovers damages to your motorcycle caused by natural disasters, such as floods, hurricanes, fires, vandalism and theft, that are not caused by accidents with other vehicles or other objects.
Personal injury protectionThis insurance cover pays you for medical bills, lost income, burial expenses, child care cost and more, when you are hurt in an accident. But it is not available in all states.
Medical Payments CoverageIf you or your travel companion is injured in an accident, this coverage pays for medical treatment. Such as: Covers all reasonably necessary medical expenses such as ambulance rides and x-rays.
Rider Bodily Injury Coverage
If you get into an accident on your motorbike and the accident is the fault of an uninsured or underinsured driver. Then it covers your bodily injury as well as passenger damage.
Towing and labor coverageThis coverage pays for the cost of towing and associated labor if your motorcycle breaks down or you are involved in any accident.
Rental Reimbursement CoverageThis coverage helps cover the pay of a rental, when your motorcycle is stolen or being repaired in a station.
Off-road vehicle transport damage coverageCovers damage to your trailer and motorcycle caused by natural disasters like earthquakes, fires, fires, vandalism, and man-made accidents like collisions, rollovers, thefts, etc.
Lease or loan gap coverageIf your bike is totaled or stolen while your loan or lease is in arrears, it pays the difference between the value of your motorcycle and the arrears. To get gap coverage benefits, you need to have comprehensive and collision policies in the same policy.
Additional or added equipment coverageAllstate provides automatic $1,000 worth of coverage on aftermarket upgrades with your policy, such as: custom crash bars, seats and fairings. Additionally you can buy coverage up to $30,000. It may include any enhancements made or changes to your motorcycle that it did not come from with the manufacturer. But it may include your dealer to add upgrades at time of sale. This coverage may include manufacturer’s brand accessories. Optional equipment comes with a comprehensive purchase, but collision coverage must be present with it.

Allstate Motorcycle Insurance Average Cost Per Month

A Allstate motorcycle insurance coverage policy may start from $45 per month and seems to average to around $500 to $1,000 per year. You’ll have to contact a local agent to get a specific price based on your living location. The motorcycle insurance premium rate not only do costs vary by state, but they also depend on things like your living state demographic, type of motorcycle, riding experience and driving history, credit score and more.

Allstate Motorcycle Insurance Average Monthly Cost by State

StateAverage Monthly Cost
New York$28
New Jersey$24
New Mexico$35
North Dakota$18
North Carolina$24
New Hampshire$28
Rhode Island$35
South Carolina$44
South Dakota$22
West Virginia$33

Allstate Motorcycle Insurance Average Cost by Type

Allstate motorcycle insurance policy average rate cruiser style bikes than sport motorcycle cost more than some of as much to insure. That’s minimum having an average Kelley Blue Book value of around three and a half times more. Similarly, touring motorcycle are more than 30% cheaper to insure than sport bikes, although they’re much more expensive to replace.

Bike TypeEngine CCValueMonthly Cost
Cruiser249 cc$4,699$116
Cruiser471 cc$6,499$158
Cruiser749 cc$7,599$154
Sport Bike399 cc$5,299$176
Sport Bike599 cc$11,499$599
Sport Bike937 cc$11,755$335
Scooter155 cc$3699$102
Scooter149 cc$4,199$115
Scooter150 cc$3,369$97
Touring Bike1,254 cc$16,945$283
Touring Bike1,744 cc$1,8925$224
Touring Bike1,833 cc$2,1670$335

Allstate Motorcycle Insurance compare by Others Companies

CompanyMonthly CostRating (Out of 5)
Allstate$23 – $644.7
Progressive$25 – $524.9
Geico$30 – $534.4
Nationwide$47 – $594.6
Our analysis team has given this rating based on customer satisfaction, financial strength, claim fill up and more.

Allstate Motorcycle Insurance Review, Cost and Discounts

Allstate Motorcycle Insurance Discounts

Allstate offers a lot of motorcycle insurance discounts. Below are the factors that Allstate always provides motorcycle insurance policy discounts based on:

  • Multi-policy: If you already have home, auto or life insurance with Allstate, you can get a discount on all policies.
  • Multi-motorcycle: You can save some money by covering all your motorcycle policies through Allstate.
  • Good rider: If you have no accident record in 60 months of your riding career, you can get a discount. 
  • New policy:  Taking out a new policy for your new motorcycle may get you some discounts for the first month, but this is not always available.
  • Transfer policy: If you transfer your policy from another provider, then getting a discount as a welcome.
  • Organization membership: If you are a member of an organization like the AMA (American Motorcycle Association), MOA (Motorcycle Owners of America), HOG (Harley Owners Group), HRCA (Honda Riders Club of America) then you can get a discount.
  • Safety course: If you already completed a voluntary safety course in the past 3 years that means you are eligible for a discount.
  • Easy Pay: You are also sign-up for automatic payments, get a 5% discount.
  • Full-payment: When you pay for your policy in full, get a 5% discount.

FAQ of Allstate Motorcycle Insurance

Is Allstate good for motorbike insurance policy?

Yes! Allstate offers plenty of very cheap motorcycle insurance coverage and options. But they do not provide antique and OEM coverage, so Allstate may not be the best policy for every rider.

Does Allstate have motorcycle insurance?

Yes! Allstate offers comprehensive policy coverage for your ATVs, UTVs and off-road vehicles that is different from motorcycle insurance coverage.

How much is Allstate motorcycle insurance?

The average cost of Allstate motorcycle insurance cost is from a low of $23 to a high of $64.