What Allstate offers for motorcycle riders
Allstate sells motorcycle insurance as a standalone product, not bundled with auto policies. You can get liability coverage (required in every state), collision and comprehensive coverage (optional but common), and add-ons like uninsured motorist protection and roadside information. Allstate quotes and binds policies online or through local agents, and you can manage your account through their mobile app or website.
The company operates in all 50 states and the District of Columbia, though specific coverage options and pricing vary by location. Allstate does not require you to insure a car with them to get a motorcycle policy, and you do not need to be an existing customer.
Key Takeaways
- Allstate offers liability, collision, comprehensive, and optional add-on coverages for motorcycles in all 50 states and DC.
- You can get a quote online, by phone, or through a local agent, and bind a policy when ready if you choose.
- Deductibles, coverage limits, and discounts vary by state and your riding history, so quotes are not transferable between states.
- Allstate's mobile app lets you manage your policy, file claims, and access ID cards without logging into a website.
- The company offers roadside information, accident forgiveness, and other add-ons that may reduce your out-of-pocket costs after a loss.
Coverage types and what they cost
Allstate's motorcycle policies start with liability coverage, which pays for injuries or property damage you cause to someone else. Every state sets a minimum liability limit you must carry; most require $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage, but some states require more. Allstate lets you choose limits above the state minimum.
Collision coverage pays to repair or replace your motorcycle if you hit another vehicle or object, minus your deductible. Comprehensive coverage pays for theft, weather, vandalism, and animal strikes. Both are optional if your bike is paid off, but lenders and lessors require them.
Deductibles typically start at $250 and go up to $1,000 or higher. Raising your deductible lowers your premium. Allstate does not publish standard rates online; you must get a quote with your specific information—bike model, riding history, location, and coverage choices—to see what you would pay.
How to get a quote and start coverage
You can request a quote through Allstate's website, mobile app, or by calling 1-800-ALLSTATE. Online quotes usually take 10 to 15 minutes and require your driver's license number, motorcycle details (VIN, year, make, model), and current or desired coverage information. The quote is valid for a set period, usually 30 to 60 days depending on your state.
If you want to bind coverage when ready, you can do so online or by phone. Allstate will issue a temporary ID card right away, and your physical card arrives by mail. Your policy becomes active on the date and time you choose during the binding process. You do not need to have an existing Allstate auto policy or be a current customer.
If you prefer to work with an agent, you can find a local Allstate office through their website or call to be connected. Agents can answer questions about coverage options and discounts specific to your state, and some riders find this helpful when choosing deductibles or add-ons.
Discounts and ways to lower your premium
Allstate offers discounts for bundling (insuring a car and motorcycle together), completing a motorcycle safety course, having a clean driving record, and paying your premium in full rather than monthly. Some states offer discounts for anti-theft devices or for insuring multiple motorcycles. The discounts you see depend on your state and Allstate's current offerings in your area.
The company also offers accident forgiveness, which prevents your rate from increasing after your first at-fault accident, and new bike replacement, which pays the full purchase price of a new motorcycle (up to the bike's actual cash value) if your bike is totaled within a set period after purchase. These are add-ons with their own costs, so ask about them when you get your quote.
Filing a claim with Allstate
You can file a motorcycle claim through the Allstate mobile app, website, or by calling 1-800-ALLSTATE. The app lets you upload photos of damage, track your claim status, and communicate with your adjuster without leaving home. Phone claims are routed to a claims representative who will ask about the incident, take your statement, and explain next steps.
Allstate typically assigns an adjuster to inspect the damage in person, unless the claim is minor and can be settled based on photos and your description. The company has a network of approved repair shops, but you can use any licensed shop you choose. If you use an Allstate-approved shop, the company may handle the estimate and payment directly with the shop, reducing your paperwork.
The time from filing to payment varies based on the claim's complexity. straightforward claims may settle in days; total losses or disputes over damage can take weeks. Your adjuster will give you a timeline when they contact you.
Roadside information and other add-ons
Allstate offers roadside information as an optional add-on, which covers towing, lockout service, fuel delivery, and jump-starts. This is useful if your motorcycle breaks down far from home or you lock yourself out. The coverage typically includes a set number of service calls per year and a mileage limit per tow (often 100 miles).
The company also offers uninsured and underinsured motorist coverage, which pays your medical bills and lost wages if you are hit by a driver who has no insurance or insufficient coverage. This is optional in most states but required in a few. Uninsured motorist property damage coverage pays to repair your bike if hit by an uninsured driver.
Ask about these add-ons when you get your quote. Allstate will show you the cost of each option, and you can choose which ones fit your needs and budget.
How Allstate compares to other motorcycle insurers
Allstate is one of the largest motorcycle insurers in the country, but it is not the only option. Other major carriers include State Farm, Progressive, GEICO, and Harley-Davidson Financial Services (which offers policies through third-party insurers). Rates and coverage options vary significantly between companies, so getting quotes from at least two or three insurers before you buy is standard practice.
Allstate's main advantages are its nationwide presence, local agents in most areas, and a mobile app that makes claims filing and policy management straightforward. Its main drawback for some riders is that rates can be higher than smaller, motorcycle-focused insurers, particularly if you have a clean record and are looking for the lowest possible premium.
The best way to compare is to gather quotes from Allstate and at least one competitor using the same bike, coverage limits, and deductible. This shows you the real price difference and lets you weigh Allstate's service and features against cost.
Frequently Asked Questions
Can I insure a motorcycle with Allstate if I don't have a car policy?
Yes. Allstate sells motorcycle insurance as a standalone product. You do not need to be an existing customer or insure a vehicle with them. You can get a quote and bind a policy online or through an agent without any prior relationship with the company.
What happens to my rate if I get into an accident?
Your rate typically increases after an at-fault accident, but the amount depends on your state and the severity of the claim. If you have Allstate's accident forgiveness add-on, your rate will not go up after your first accident. Ask about this option when you get your quote.
Does Allstate cover custom parts and accessories on my motorcycle?
Standard collision and comprehensive coverage pays only the actual cash value of your bike, which may not cover custom parts at full replacement cost. Allstate offers custom parts coverage as an add-on that covers aftermarket equipment. Mention any custom work when you get your quote so the company can include it in the valuation.
How do I file a claim if my motorcycle is stolen?
Call Allstate at 1-800-ALLSTATE or file through the mobile app. Have your policy number and VIN ready. You will need to file a police report for the theft and provide Allstate with the report number. The company will investigate and pay the claim based on your bike's actual cash value minus your deductible, once the investigation is complete.
Can I pause my Allstate motorcycle policy if I don't ride in winter?
Allstate allows you to suspend coverage for set periods, which is cheaper than canceling and rebinding later. Contact your agent or call 1-800-ALLSTATE to discuss suspension options. Some states have specific rules about how long you can suspend coverage, so ask about your state's limits when you call.