Esurance - Motorcycle Insurance

time icon 7 min read update icon Sept. 20, 2019
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Esurance offers modern coverage, with traditional backing, that is ever-evolving to meet the needs of an active and mobile motorcycle community.

Esurance, founded in 1999 and acquired by Allstate in 2011. It balances the delivery of innovative coverage and communication methods for modern insurance with the solid reputation and foundation provided by Allstate’s more than 80 years in the industry. Enabling members to get quotes, make payments and submit claims entirely online or over the phone may remove the personal touch from insurance, but it does not mean they are ‘out of touch.’ Esurance was created to meet customers wherever and whenever is most convenient for them.

Unfortunately, Esurance motorcycle insurance is not available in all states, but it is a great option for coverage for any senior that lives in a qualifying state.

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

Number of vehicles allowed on one policy

Up to four vehicles and five riders
Custom Bikes

Coverage for custom or vintage bikes

Custom and Vintage coverage with an Agreed Value
Emergency Expenses

Are any covered?

$100/day lodging, $50/day transport and $50/day food allowance with max of $500/claim

Annual premiums

Many factors: driver, vehicle and add-on coverage

What triggers discounts?

Pay in full, homeowners, married (where that rate reduction is allowed), anti-theft and safety device, completion of safety courses, multi-policy/vehicle, motorcycle license/ endorsement, motorcycle association and ‘Switch and Save’
Customer Service

Hours available and means of contact?

No local agents. Customer service reps available by phone 6 AM-12 AM CST daily. Online access 24/7 via the website and mobile app. May also email, tweet or post on Facebook.
Basic Coverage

What does Standard coverage include?

Liability, Comprehensive, Collision, Medical and $3,000 of Custom Equipment
Add-on Coverage

What add-ons are available?

Total Loss and High-Value Customization
Age Score:
50-64 Years
65-74 Years
75-84 Years

Esurance is insurance coverage designed for individuals who conduct their business and manage all of their accounts online. Regardless of age, anyone who has embraced connecting online will appreciate the ability to pay bills, submit claims and even tweet the company from anywhere and at any time. However, the lack of local agents would be a disadvantage for seniors who want to meet with a customer service representative in person. Esurance’s claims process stands out for ease-of-use, based on a mobile app, and is another feature that makes the company age-friendly as long as the senior is technology savvy. The coverage itself is great for any healthy and active motorcycle riders at any age.

Health Score:
Poor Health
Fair Health
Good Health
Great Health

Providing coverage for sport bikes, cruisers and trikes, Esurance has a policy that covers members as their health changes and mobility issues adjust the type of motorcycle that meets the rider’s needs. The extensive Comprehensive, Collision, Medical and Liability coverage makes sure that weekend warriors and avid, full-time riders alike are covered. As health continues to decline and mobility lessons, a rider is less likely to be using the motorcycle and coverage will be less valuable.


  • Total Loss coverage ensures that a senior will be back on the road on a similar make and model. Those without Total Loss coverage will receive a payout of actual value at the time of the accident or theft.
  • Custom and Vintage Bike coverage with an Agreed Value to protect one’s investment.
  • Domestic Partner coverage provides the reduced ‘married rate’ for same-sex couples in domestic partnerships, civil unions and marriages in states that allow a reduction in rate due to marriage.  
  • Online and mobile app account management enables members to submit claims, pay bills, and add drivers or vehicles from anywhere and at any time.  
  • $30,000 Custom Equipment and Accessories coverage provides security for high-value, aftermarket sidecars and electronics.
  • An innovative company with the backing of a traditional provider, blending technology with traditional values and service.  
  • Where Elance receives the occasional comment or complaint on the Better Business Bureau website, it is proactive to make contact and resolve the issue immediately.


  • No local office for those who want to meet with a customer service representative or agent in person. Agents can be contacted via phone from 6 AM to 12 AM CST daily. 
  • Not a specialty market provider so, while agents will be able to explain available options and what your particular state requires, but they may not be specialized enough in the motorcycle lifestyle to provide insight into what extra coverage you will value most as you age and face new health challenges.
  • Esurance only has 18 years in the insurance industry but enjoys the backing of Allstate with its over 80 years in the business.
  • Not available in all states at this time, in fact, only available in the following 11 states: Arizona, California, Florida, Illinois, Indiana, Minnesota, Ohio, Pennsylvania, Tennessee, Texas and Wisconsin at the moment.

Bottom Line:

Esurance provides seniors with technology-based insurance that is accessible 24/7 via the website, mobile app and phone (6 AM to 12 AM CST). Dedicated to creating innovative ways to interact with members, Esurance focuses on helping its potential customers find the right coverage and then manage the account. Questions can be tweeted and messages posted on its Facebook wall as well. A quote can be generated before your motorcycle is even purchased.

Rated as A+ by the Better Business Bureau, Esurance is also committed to building a better and safer tomorrow for everyone. Company initiatives focusing on environmental protection, diversity and community support represent a company that cares about more than just its members. We highly recommend Esurance for motorcycle insurance coverage that is streamlined by technology and tailored to a senior’s needs.

Frequently Asked Questions:

Can I cover my custom/vintage bike? Esurance not only covers factory standard motorcycles but also:

  • Scooters/mopeds
  • Street-sport bikes
  • High-performance bikes
  • Limited-production and custom bikes
  • Cruisers
  • Touring and sport-touring bikes
  • Vintage bikes
  • Motocross bikes
  • Off-road/dual-purpose bikes
  • ATVs

Is my protective gear covered under my policy? Absolutely. Esurance will pay for an insured senior to replace damaged or stolen riding apparel and helmets under the Comprehensive and Collision portion of the motorcycle policy. Any high-value, custom equipment may require an Agreed Value determination.  

How can I lower my premium? As with standard auto insurance, higher deductibles will create lower payments, but that increases the risk of financial responsibility in case of an accident. Esurance allows coverage limits to be customized to find the best fit and provides a variety of discounts to save its customers even more.  

More Information:

Product Details 

Overview: At this time motorcycle insurance is not mandatory in all states, but having a policy that ensures full insurance coverage in case of any incident is a good idea.  

As with other types of vehicle insurance coverage, the potential provider determines the pricing for a motorcycle insurance policy based on a series of factors. It includes the age of the driver(s), accident history, vehicle make/model/age, the frequency of use, even your highest level of education and your credit score. 

Custom-built cycles may require an independent appraisal or an Agreed Value negotiated between the insurance company and the owner, to prepare the correct coverage. Premiums can also be affected by the state where the vehicle is registered and that state’s minimum coverage requirements. Contacting a representative or requesting an online quote will provide a more accurate picture of total cost.

Package Details: 

Standard Coverage

Bodily Injury and Property Damage
Coverage against Uninsured and Underinsured Motorists
Personal Injury Protection (mandatory in some states)
Comprehensive and Collision 
Most states will provide $3,000 in Accessories coverage with Comprehensive and Collision coverage

Optional Add-on Services:

Customized Equipment and Accessories, up to $30,000
Trip Interruption ($100/day lodging, $50/day alternative transport, $50/day food and $500/claim maximum)
Towing and Roadside Assistance 
Total Loss 

Additional Company Details

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

Warranty: No warranty

Accreditations: Esurance is rated A+ by the BBB, although it has not received accreditation from the Better Business Bureau. According to JD Power, Esurance received a ‘below average’ rating from its auto customers for their overall insurance claims experience. A.M. Best rates its financial strength as A.

Company Details: Esurance was founded in 1999 to provide consumers with access to insurance policies online. The company was acquired by Allstate in 2011 and has expanded its focus from auto coverage to a full lineup of home, health, pet, life and recreational vehicle insurance options. Esurance aims to provide modern insurance coverage that you can manage from anywhere and at anytime through innovative technology. 


Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117-5258

Phone: 1-800-ESURANCE (1-800-378-7262)
Claims hours: 24 hours a day, 7 days/ week
Customer service hours: 6 AM - 12 AM CT, 7 days/ week
Fax: 1-800-926-2869
Online Messaging:

Susan Adams - Senior Advisor

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