time icon 6 min read update icon Sept. 20, 2019
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State Farm Insurance is dedicated to creating strong relationships between its members and local ‘good neighbor’ agents through quality coverage and service.

State Farm, founded in 1922, has been providing quality insurance coverage for almost 100 years. As the largest auto and home insurer in the U.S., State Farm has almost 19,000 agents based in communities across the nation, which may be reassuring to a senior seeking motorcycle insurance. The company believes in establishing strong relationships with its customers, so agents are available to discuss coverage options, provide advice on levels of coverage and ensure that you at least meet any state requirements when selecting the plan that best suits your needs and budget.

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

Number of vehicles allowed on one policy

Up to 4 vehicles
Custom Bikes

Coverage for custom or vintage bikes

Custom and Classic coverage
Emergency Expenses

Are any covered?

Included in Standard coverage, but limit not specified

Annual premiums

Many factors: driver, vehicle and add-on coverage

What triggers discounts?

Multi-vehicle, good driver, driver training, defensive driver; multi-policy, new vehicle safety and anti-theft device
Customer Service

Hours available and means of contact?

Requires local agent in person or over the phone to get a quote; direct online account management once a member.
Basic Coverage

What does Standard coverage include?

Liability, Comprehensive, Collision, Medical, Trip Interruption, Customized Equipment and Accessories, Towing and Roadside Assistance
Add-on Coverage

What add-ons are available?

Age Score:
50-64 Years
65-74 Years
75-84 Years

State Farm relies on the traditional method of matching customers with local agents to discuss coverage and pricing. This strategy allows individuals to have all their questions answered in one stop but means that they must set time aside during business hours. That is fine for retirees, but can be difficult for those still working or who prefer to pull information from multiple providers and compare. Trip Interruption coverage comes standard with every policy; as seniors age, they may find medical issues are more frequent and disruptive. For tech-savvy seniors, the State Farm mobile app simplifies some functions.

Health Score:
Poor Health
Fair Health
Good Health
Great Health

As health, reflexes and physical strength decline, seniors will have to reassess how safe they feel on their favorite bike. Providing coverage for sport bikes, cruisers and trikes, State Farm offers policies that cover members as balance and mobility issues adjust the type of motorcycle that meets the rider’s needs. As health continues to decline, a rider is less likely to be riding and coverage will decrease in value.


  • With Classic and Custom Bike coverage, as well as plans for trikes, scooters, and both street and cruiser bikes, there is a plan for virtually every senior’s need.
  • Pay bills online either through the standard State Farm website or the dedicated homepage for your agent.  
  • Coverage of Trip Interruption emergency expenses comes standard with every motorcycle policy.
  • A mobile app is available that contains the contact information for your agent, as well as options to pay bills and view insurance cards.
  • A friendly face who is a “good neighbor”: a local agent oversees your policy and ensures that you are treated as a person and not as a claim number after an accident.  


  • No online quotes for Motorcycle Insurance: while you can get standard auto and home quotes online, you must call or meet with an agent in person to discuss coverage options and pricing for motorcycle insurance.
  • Not a specialty market provider: your agent will be able to explain available options and what your state requires, but may not be specialized enough in the motorcycle lifestyle to be able to provide insight into the different extra coverage that may be of most value to an aging or declining senior.
  • General lack of information online: the website is designed to encourage potential customers to contact an agent, not to make comparative information gathering easy.  Access to information may improve once you are a member as you then have a member site and a mobile app. 
  • A poor rating with BBB: due to the number of unsatisfactorily resolved complaints, plus a settlement in California this year related to overcharging its customers, State Farm’s rating has recently dropped significantly to a C-. 

Bottom Line:

State Farm was founded and has since grown based on the values of mutual trust, integrity and financial stability fostered through quality service provided through established relationships with local agents. Its goal is to the first provider you think of when looking for new coverage and the name you provide when friends and family ask for recommendations on the best insurance provider. State Farm reinforces this by being the helping hand when things go wrong and still providing exceptional service when everything is going well.

We highly recommend State Farm as the insurance provider for older motorcycle owners who still appreciate (and want to establish) a relationship with a local agent.

Frequently Asked Questions:

Can I cover my custom/vintage bike? State Farm can provide coverage for classic, custom, trikes, and minibikes in addition to factory-standard sport and cruiser style bikes.  

Is my protective gear covered under my policy? Replacement of gear and helmets due to damage or theft is included in State Farm’s Standard coverage. Talking to an agent to discuss additional coverage for any high-value customized equipment will be time well invested. 

How can I lower my premium? State Farm includes coverage such as Trip Interruption and Roadside Assistance as part of Standard coverage, while other providers will charge you extra.  The best way to minimize your premium is to meet with an agent to determine the level of coverage that best meets your specific needs and the highest deductible that you feel comfortable paying.   

More Information:

Product Details

Overview: Although motorcycle insurance in not mandatory in all states, it makes sense to have a policy that ensures coverage of you and your bike in case anything untoward happens.  

The provider determines the pricing for a motorcycle insurance policy and some of the basic parameters include the age of the driver(s), accident history, vehicle make/model/age and frequency of use. Custom-built cycles may require an independent appraisal or definition of Agreed Value between the owner and the insurance company to determine the correct coverage.  

Premiums vary state-by-state, depending on where the vehicle is registered and that state’s corresponding minimum coverage requirements. Many other factors go also go into the overall cost of premiums. Contacting a representative 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 
  • Collision and Comprehensive (damage or loss due to theft, fire or vandalism)
  • Trip Interruption 
  • Customized Equipment and Accessories 
  • Towing and Roadside Assistance 

Additional Company Details

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

Warranty: no warranty

Accreditations: State Farm is recognized as a Top Employer of Military Veterans. Although the company is not accredited by the Better Business Bureau, at the corporate level it is rated C- by the BBB as a reflection of the number of unsatisfactorily resolved complaints and a forced settlement in California in May 2017 for overcharging its customers. According to JD Power, State Farm 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: State Farm has prided itself on being a “good neighbor” since 1922.  It was founded by George Jacob ‘G.J.’ Mecherle, a retired farmer and insurance salesman, to provide insurance in a way that did right by its customers and treated them fairly. The company developed with a mission to “help people manage the risks of everyday life, recover from the unexpected, and realize their dreams.” State Farm provides over 100 products and services which cover five business lines, including motorcycle insurance. 


Corporate Headquarters
State Farm Insurance
One State Farm Plaza
Bloomington, IL 61710
Phone: 800-STATE-FARM (800-782-8332) 
Claims hours: 24 hours a day, 7 days a week
Online Messaging:

Susan Adams - Senior Advisor

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