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.
Apparel and Helmet
Any coverage available?
|Included in Comprehensive and Collision|
# of Vehicles
Number of vehicles allowed on one policy
|Up to 4 vehicles|
Coverage for custom or vintage bikes
|Available, but no Agreed Value option|
Are any covered?
|Rental reimbursement, but no coverage for food or lodging|
|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|
Hours available and means of contact?
|Local agents available nationwide; customer service 24/7 by phone, email, chat, Twitter and mobile app|
What does Standard coverage include?
|Liability, Comprehensive, Collision, Medical, Trailer Protection and $1,000 of Custom Equipment coverage|
What add-ons are available?
|New Motorcycle Replacement, Rider Protection, Roadside Assistance and High-Value Customization coverage|
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.
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.
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.
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.
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: https://messaging.allstate.com/corp.aspx?_ga=2.223515035.1093096317.1504097321-1570436479.1502398514
Agent Locator: https://agents.allstate.com/?_ga=2.229357980.1093096317.1504097321-1570436479.1502398514