State Farm is one of the best and largest auto insurers in the United States. It was founded in 1922. The company issued $46.6 billion of private passenger auto insurance coverage premiums in 2022, that was a total of 16.8% of the market share. Most of the drivers prefer the State Farm coverage policy for auto vehicles to local agents. State Farm has 19,000+ local agents in every state without Rhode Island and Massachusetts.
If you’re a bike rider and looking for the best motorcycle insurance to protect your bank money from an accident. Don’t worry! State Farm offers a lot of auto insurance coverage options that range from liability to comprehensive and collision. State Farm offers all types of motorcycle insurance coverage, such as classic bikes, sports bikes, motorbikes, mopeds, mini-bikes, touring bikes, trail bikes/dirt bikes, etc. In this review, we’ll show you what kind of coverage you can get for your bike and what the monthly cost might be.
But, State Farm does not offer motorcycle insurance quotes on its website. If you want a quote for basic liability insurance costs, then you can call an authorized agent at 833 – 322 – 1986. Before taking a quote, you’ll need to provide your motorcycle’s making year, model, brand and your motorcycle VIN (vehicle identification number).
Pros
Cons
Accept accident forgiveness
Quotes are not available in online
One of the largest motorcycle insurers in the U.S.
Available local agents in all the states.
Has an A+ rating from the BBB and AM Best for financial strength.
Type of State Farm Motorcycle Insurance Coverage Options
State Farm offers liability coverage to comprehensive and collision coverage for motorcycle insurance, that’s required in most states. If you are going to be responsible for injuring anybody or damaging someone property while riding a motorcycle, then State Farm coverage policies will help you to protect yourself financially.
In addition to bodily injury liability coverage or property damage liability coverage, State Farm also provides comprehensive and collision coverage, when needed repairs and parts replacement of your motorbike, or your motorcycle is damaged/stolen it’ll help to meet the every cost. Other additional coverage options include uninsured/underinsured motorist coverage, medical payments coverage etc.
Follow the table below to know State Farm’s full range of motorcycle insurance coverage options:
Liability coverage for bodily injuries
Pays for your bodily injury, injuries to other vehicles and passengers and for lawsuits when you’re sued due to an accident.
Liability coverage for property damages
Liability coverage to pay for injuries to others or property damage if you’re at fault in an accident.
Collision Coverage
If your motorcycle is damaged in a collision with a car, a tree, a building or any other object. Then collision insurance coverage pays for the repairs.
Comprehensive Coverage
This coverage pays—if your motorcycle is damaged due to accidental damage or natural disasters such as fire, flash-flood, cyclone, vandalism, earthquake or theft.
Protective Equipment
It pays for damage to protective equipment such as uniform, helmets, shoes and other accessories that are worn to protect against rider bodily injury. This coverage expenses are highest to $3,000 limited.
Trip interruption
If you become ill or are otherwise unable to ride a motorcycle after traveling more than 50 miles from home—trip interruption coverage pays for food, medical care, lodging and transportation.
Roadside assistance
You may get up to 1 hour of labor fee to repair your motorcycle at the location of its breakdown, including towing, gas, oil, battery and tires.
Additional coverage for uninsured riders
If an insured rider is injured in an accident caused by another person and does not have liability insurance, this coverage pays for damages.
State Farm motorcycle insurance rate determine factors
The cost of your State Farm motorcycle insurance coverage policy will vary on some of primary factors, such as: Age and experience, clean driving record, the range of motorcycle, make and model, credit score (required for some states), where you live/residence, types of coverage and insurance claims history. In order to get a quote, you’ll need to contact a local agent.
Rider Age: Teen and young drivers with comparatively less experience than adults are regarded as high-risk. Because with age comes long experience combined with maturity and good driving skills. So, if you are an occasional bike rider, you may have to pay a lower premium rate.
Location: Your location is a major factor that can determine low or high to your insurance premium rate.
Gender: Gender is an essential factor for determining your motorcycle insurance cost. If you’re a male, your insurance rate may be higher than female.
Clean driving record: Your driving record shows no traffic rule violations, last 60 months no accident or previous insurance claims, then your premium rate might be low.
Defensive course: Recently, if you have completed a defensive driving course from an authorized institute, you are eligible for lower premium rate.
Type of Motorcycle: Depending on the type of motorcycle you are using, such as engine CC, Value, Sports, Touring, Scooter or Minibike, your premium rate may be lower or higher.
Make and Model: A newest motorcycle with the high power engine and expensive accessories, may cost more than another low class motorcycle. With a powerful engine motorcycle allows high-speed, so your insurance provider would classify you as a high-risk rider. As a result, your premium rate.
Mileage: If you are used to working on your motorcycle, you may pay a higher rate than someone who occasionally uses his motorcycle for leisure. Whose ride regular their motorcycle, they have a higher possibility of being involved in an accident. Your average mileage of use also can affect your premium rate.
Types of Coverage: The coverage type and limits you choose for your policy also affect your motorcycle insurance cost rate.
State Farm Motorcycle Insurance Cost by Rider Age
Teen and young drivers typically pay more for motorcycle insurance coverage than older drivers. Because they have a high-speed riding trend and are more likely to cause an accident. So, a 18-year-old young driver can afford to pay 43% more for full-coverage insurance than up to a 35-year-old rider.
Rider Age
Monthly Cost for Full-Coverage
16
$240
18
$233
21
$196
35
$183
50
$197
Compare to State Farm Motorcycle Insurance Cost with Other Company
State Farm isn’t the only motorcycle insurance provider—despite it covering most of the major carriers as well. You can compare to another company’s list below for the kind of motorcycle insurance for every type of motorcycle rider.
State Farm offers a variety of discounts for motorcycle insurance coverage, including multi-vehicles, multi-policy, safety driving course, new-policy, good driving record, policy transfer, policy bundling and motorcycle association membership discounts. By bundling your State Farm policies with motorcycle insurance, such as auto, life or home insurance, you could save up to 17% on your policy premiums rate. You can complete a safety driving course or can be a member of certain motorcycle associations for a discount. To find out if you qualify for a discount, contact your local State Farm agent.
Multi-policy: If you already have home, auto or life insurance with State Farm, you can get a discount on all policies.
Multi-motorcycle: You can save some money by covering all your motorcycle policies through State Farm.
Good rider: If you have no accident record in 60 months of your riding career, you can get a discount.
Multi-policy: If you already have home, auto or life insurance with State Farm, you can get a discount on all policies.
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.
Get a State Farm Motorcycle Insurance Quote
Getting a State Farm motorcycle insurance quote is very simple with contacting your nearest agent. The company doesn’t provide motorcycle insurance quotes on its website. Getting a quote call a State Farm agent over the phone. Agent will ask you information about your motorcycle, such as: make, model, value, year and VIN, as well as your driving experience/history and safety accessories on your bike. An agent can help you to select the perfect coverage options for you that are best affordable for your needs and budget.
State Farm Motorcycle Insurance Customer Service
The BBB (Better Business Bureau) has received more than 1,000 complaints against State Farm Motorcycle Insurance, but consumers should note that those complaints are outside the BBB’s statistics. So you can see how many were filed last year and last 3 years. If you want direct help from customer service, contact your agent first. If you would like to speak directly with an official State Farm representative, you can call 800-782-8332 or use the mobile app.
State Farm Motorcycle Insurance Mobile App for Android and iOS
State Farm has a mobile application on both Android and iOS smartphones to access your policy accounts. You can use the app on your mobile to pay motorcycle insurance bills, get roadside assistance, view your insurance documents, file claims and view your claim status. In addition you can also use the app to contact your agent.
Methodology
The US Pedia analysis team collected thousands of customer feedback from State Farm motorcycle insurance across the country. Finally, the article titled State Farm Motorcycle Insurance is prepared and published for subscribers.
FAQ of State Farm Motorcycle Insurance
Is State Farm better for motorcycle insurance?
Yes! State Farm offers a variety of motorcycle insurance coverage. But they do not provide antique and OEM coverage, so State Farm may not be the best policy for every rider.
Does State Farm have motorcycle insurance?
Yes! State Farm offers comprehensive policy coverage for your ATVs, UTVs and off-road vehicles that is different from motorcycle insurance coverage.
How much is State Farm motorcycle insurance?
The average cost of State Farm 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.
