time icon 7 min read update icon Sept. 20, 2019
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Allstate Motorcycle Insurance offers comprehensive and affordable Standard coverage, Roadside Assistance for cruising and touring bikes and add-on features designed to meet a senior’s changing needs.

Allstate has over 80 years of experience providing exceptional coverage and customer service. Its motorcycle policyholders ride easy, knowing they are protected in any situation and that a local agent is waiting to help in the event anything goes wrong. Those uncertain of the coverage they require can meet with an agent to discuss how coverage can be tailored to their needs and budget. Allstate strives to keep its customers “in good hands” by offering quality coverage and service.

Grandfolk Scoring
Apparel and Helmet 8/10
# of Vehicles 8/10
Custom Bikes 7/10
Emergency Expenses 6/10
Price 9/10
Discounts 9/10
Customer Service 10/10
Basic Coverage 9/10
Add-on Coverage 8/10
Apparel and Helmet
Any coverage available?
Included in Comprehensive and Collision
# of Vehicles

Number of vehicles allowed on one policy

Up to 4 vehicles
Custom Bikes

Coverage for custom or vintage bikes

Available, but no Agreed Value option
Emergency Expenses

Are any covered?

Rental reimbursement, but no coverage for food or lodging

Annual premiums

Many factors: driver, vehicle and add-on coverage

What triggers discounts?

Good rider, safety courses, multi-policy/vehicle, motorcycle association and transferring from another insurance
Customer Service

Hours available and means of contact?

Local agents available nationwide; customer service 24/7 by phone, email, chat, Twitter and mobile app
Basic Coverage

What does Standard coverage include?

Liability, Comprehensive, Collision, Medical, Trailer Protection and $1,000 of Custom Equipment coverage
Add-on Coverage

What add-ons are available?

New Motorcycle Replacement, Rider Protection, Roadside Assistance and High-Value Customization coverage
Age Score:
50-64 Years
65-74 Years
75-84 Years

Allstate Insurance has local agents nationwide. It also has 24/7 customer service by phone, email, online and through a mobile app, all designed to support policyholders however they prefer at different stages of life. The website has a clean layout and makes it easy to find information and ways to contact local agents. The coverage itself meets the policyholder needs and evolves along with the member, including the Rider Protection Package, so important for anyone carrying a passenger. The plans favor those who want to savor the ride. Roadside Assistance comes standard with Harley-Davidson, Touring and Sport-Touring models, which are more popular with the cruising crowd.

Health Score:
Poor Health
Fair Health
Good Health
Great Health

Changing health and mobility issues may cause a rider to adjust the type of motorcycle that meets his or her needs. Allstate has a policy that covers that member’s changing needs. Allstate’s Rider Protection Package provides additional coverage in case of a serious accident and related health issues at a time when injuries are slower to heal. As health continues to decline, time riding the motorcycle may decrease as well and coverage will become less valuable.


  • New Motorcycle Replacement ensures that the rider will be back on the road quickly, to enjoy a brand new bike of similar make and model if the bike is destroyed.  
  • Lease/Loan Gap coverage protects the senior while still making payments on a motorcycle. No need to worry about continuing to pay for a bike that has been totaled. 
  • Rider Protection Package provides an extra level of support for the rider and passenger in case of a serious accident.
  • Roadside Assistance is standard for policies written for Harley-Davidsons, Touring and Sport-Touring bikes.  
  • Choose how you want to manage the account: Allstate agents are available across the nation to meet with members in person. Customer service is also available 24/7 the phone, online and through the mobile app.  
  • First Accident Waiver for established members who go 48 months without a claim while covered by Allstate.  
  • Motorcycle and Off-Road Vehicle Trailer coverage gives you peace of mind knowing that your bike is covered even when it is not being ridden.  


  • No Agreed Value for Custom Bikes: Allstate will cover custom bikes but does not appear to work based on an Agreed Value. Highly customized or upgraded bikes should opt for the additional Accessories and Equipment coverage.
  • Roadside Assistance is not standard for bikes other than Harley-Davidson, Touring and Sport-Touring.  
  • No guarantee of Original Equipment Manufacturer (OEM) parts during repairs covered by Allstate.  

Bottom Line:

Allstate provides comprehensive and affordable standard motorcycle coverage. Add-on features such as the Rider Protection Program and New Motorcycle Replacement recognize the risks that riders take and ensure that they are protected in any scenario. Allstate even covers motorcycle and off-road vehicles against damage or loss when they are being towed.     

For those who have made a bigger investment in their motorcycles, policyholders can choose to increase the Accessories and Equipment coverage limit. Lease/Loan Gap coverage is also available for riders still in the process of paying off their bikes. Unfortunately, custom and vintage bikes do not qualify for an Agreed Value assessment and these owners may lose money in the event of an accident.   

We highly recommend Allstate as a provider of coverage for factory standard or slightly customized motorcycles. This recommendation is especially true for owners of Harley-Davidsons, Touring and Sport-Touring styles as Towing and Roadside Assistance coverages are included in the Standard coverage for these models.

Frequently Asked Questions:

Can I cover my custom/vintage bike? Yes, custom and vintage bikes can be covered with a policy from Allstate. Due to the unique work and investment that goes into a custom bike, an Allstate agent should be consulted to determine the correct level of coverage to match the owner’s needs. 

Is my protective gear covered under my policy? Basic gear and helmets are covered under Comprehensive and Collision coverage. A $1,000 limit on additional accessories and upgrades also comes standard with this type of coverage.  That limit can be increased up to $30,000 in value.   

How can I lower my premium? Allstate provides several discounts that lead to as much as 50% in savings on premiums. They include multi-vehicle/policy, good rider, motorcycle association membership and motorcycle safety course completion. Savings can even come just from switching from another provider.

More Information:

Product Details 

Overview: Currently, motorcycle insurance is not mandatory in all states. Regardless, having a policy that ensures that seniors and their bikes are covered in case of any incident is still a smart move.  

As with other types of auto insurance coverage, the pricing for a motorcycle insurance policy is determined by the provider based on a variety of factors including age of the driver(s), accident history, vehicle make/model/age and frequency of use. Custom-built cycles may require an independent appraisal or Agreed Value between the owner and the insurance provider to determine the correct coverage.  

Premiums can also be affected by the state where the vehicle is registered, as well as that state’s corresponding minimum-coverage requirements. Policyholders often do not realize that factors such as level of education and insurance credit score can also impact the overall cost of premiums. Contacting a representative or requesting an online quote can give you a more accurate picture of the total cost.

Package Details: 

Standard Coverage

  • Bodily Injury and Property Damage
  • Coverage against Uninsured and Underinsured Motorists
  • Medical 
  • Personal Injury Protection 
  • Comprehensive and Collision 
  • $1,000 Accessories/Upgrades 
  • Towing and Roadside Assistance for Harley-Davidson, Touring and Touring Sport bikes 
  • Rental Reimbursement
  • Motorcycle and Off-Road Vehicle Trailer 
  • Lease/Loan Gap 

Optional Add-on Services:

  • Customized Equipment and Accessories, up to $30,000
  • Towing and Roadside Assistance for all other bikes
  • Rider Protection Package, with a higher level of Personal Injury coverage
  • New Motorcycle Replacement
  • First Accident Waiver, which requires 48 months of both a clean driving history and a continuous policy with Allstate

Additional Company Details

Contract Details: Policies are written and renewed on an annual basis. Payments may be made in full at the beginning of the term, on a monthly basis or following one of several payment plan options. Policies may also be canceled at any time. 

Warranty: No warranty

Accreditations: Although it has not received accreditation by the Better Business Bureau, it is Rated A-. According to JD Power, Allstate received an ‘average’ rating from its auto customers for their overall insurance claims experience. The corporation is rated A+ by A.M. Best and AA- by Standard and Poor’s.

Company Details: Allstate Insurance was founded in 1931 with the goal of bringing service and quality to the automotive insurance industry. Dedicated to providing its members with affordable coverage, Allstate launched a merit rate program in 1939 to reward safe drivers and began offering lower rates for smaller cars in 1959.

Allstate’s commitment to service extends past its members to the community as a whole. The Helping Hands Program was established to encourage locally based agents to give back through volunteer work. Allstate created a catastrophe response team to assist members and non-members alike where and when it is needed most. Allstate promises to keep you “in good hands.”


Allstate Insurance Company
P.O. Box 660598
Dallas, TX 75266-0598

Phone: 1-877-379-BIKE;  (877-379-2453)
Hearing Impaired Phone: 1-877-810-2920
24 hours/day, 7 days/week
Online Messaging:
Twitter: @Allstatecares
Agent Locator:

Susan Adams - Senior Advisor

Susan is senior researcher with Grandfolk® providing in-depth product and service reviews to empower senior buying decisions.