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
| PROS | 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 Injury | The 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 Damage | The 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 Coverage | If 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 Coverage | Covers 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 protection | This 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 Coverage | If 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. |
| Uninsured/Underinsured 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 coverage | This coverage pays for the cost of towing and associated labor if your motorcycle breaks down or you are involved in any accident. |
| Rental Reimbursement Coverage | This coverage helps cover the pay of a rental, when your motorcycle is stolen or being repaired in a station. |
| Off-road vehicle transport damage coverage | Covers 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 coverage | If 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 coverage | Allstate 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
| State | Average Monthly Cost |
| Alabama | $40 |
| Arizona | $48 |
| Alaska | $26 |
| Arkansas | $38 |
| California | $49 |
| Connecticut | $30 |
| Colorado | $35 |
| Delaware | $34 |
| Florida | $55 |
| Georgia | $40 |
| Hawaii | $44 |
| Idaho | $29 |
| Illinois | $27 |
| Indiana | $30 |
| Iowa | $20 |
| Kansas | $25 |
| Kentucky | $71 |
| Louisiana | $45 |
| Maine | $23 |
| Maryland | $33 |
| Michigan | $38 |
| Missouri | $40 |
| Montana | $25 |
| Minnesota | $27 |
| Mississippi | $46 |
| Massachusetts | $24 |
| Nevada | $40 |
| Nebraska | $27 |
| New York | $28 |
| New Jersey | $24 |
| New Mexico | $35 |
| North Dakota | $18 |
| North Carolina | $24 |
| New Hampshire | $28 |
| Ohio | $35 |
| Oregon | $34 |
| Oklahoma | $39 |
| Pennsylvania | $33 |
| Rhode Island | $35 |
| South Carolina | $44 |
| South Dakota | $22 |
| Texas | $44 |
| Tennessee | $44 |
| Utah | $44 |
| Virginia | $33 |
| West Virginia | $33 |
| Vermont | $21 |
| Wyoming | $27 |
| Wisconsin | $24 |
| Washington | $30 |
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 Type | Engine CC | Value | Monthly Cost |
| Cruiser | 249 cc | $4,699 | $116 |
| Cruiser | 471 cc | $6,499 | $158 |
| Cruiser | 749 cc | $7,599 | $154 |
| Sport Bike | 399 cc | $5,299 | $176 |
| Sport Bike | 599 cc | $11,499 | $599 |
| Sport Bike | 937 cc | $11,755 | $335 |
| Scooter | 155 cc | $3699 | $102 |
| Scooter | 149 cc | $4,199 | $115 |
| Scooter | 150 cc | $3,369 | $97 |
| Touring Bike | 1,254 cc | $16,945 | $283 |
| Touring Bike | 1,744 cc | $1,8925 | $224 |
| Touring Bike | 1,833 cc | $2,1670 | $335 |
Allstate Motorcycle Insurance compare by Others Companies
| Company | Monthly Cost | Rating (Out of 5) |
| Allstate | $23 – $64 | 4.7 |
| Progressive | $25 – $52 | 4.9 |
| Geico | $30 – $53 | 4.4 |
| Nationwide | $47 – $59 | 4.6 |
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.
Daniel Jack is a senior finance and insurance writer and analyst at The US Pedia. For more than 8 years, he has been helping consumers learn about the finance, insurance and banking related. Daniel enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. He completed his MBA (Master of Business Administration) from the University of Chicago.