WHAT DOES MOTORCYCLE INSURANCE COVER?
Motorcycle insurance was designed to protect your motorcycle…and you.
A standard motorcycle policy normally includes:
- Personal Injury Liability
- Property Damage Liability
- Medical payment coverage
But that’s just the tip of the iceberg. Visit the coverage page for a complete list of motorcycle insurance coverage options.
DRIVE WITH PEACE AND QUIET
Whether it’s your primary method of transportation or your weekend getaway, you want to protect it. An Allstate motorcycle insurance policy can help you do just that.
WHAT TYPES OF VEHICLES ARE COVERED WITH MOTORCYCLE INSURANCE FROM ALLSTATE?
Here is a list of the types of vehicles that are covered by motorcycle insurance from Allstate:
The most common type of motorcycle, with a V-twin and fully visible engine
- Fast, high-performance sports
bikes, also known as street bikes
Motorcycles built for comfortable long-distance rides
- Scooter and Moped
Small lightweight bikes that have small engines
DRIVER SAFETY FIRST
Allstate is focused on helping keep motorcycle riders safe 1. Here are some of the ways we do it:
- Provide tools and resources to help riders take charge of their motorcycle safety.
- Help install “Watch for motorcycle” signs at intersections across the country.
- Reward a discount for taking a motorcycle safety course. two
Is motorcycle insurance required?
Most states require motorcycle liability insurance. Each state sets the minimums that drivers must purchase.
How much motorcycle insurance do I need?
Some coverages are required by state law. For example, motorcyclists in most states are required to have motorcycle liability coverage. Other coverages—such as comprehensive coverage or collision coverage—might be optional if you own your motorcycle. If you lease or finance, your lender may require you to purchase collision coverage and comprehensive coverage until you complete your motorcycle payments.
Does motorcycle insurance cover theft?
Comprehensive coverage covers damage to your bike not caused by a collision with another vehicle, including theft. You are usually covered up to the current cash value of your motorcycle.
Does Allstate cover ATVs/UTVs?
Yes, Allstate offers coverage for your ATV, UTV, and off-road vehicles separately from the motorcycle coverage.
Does my policy cover passengers?
In most states, riding passengers on your motorcycle is covered by your policy. But, since this coverage doesn’t exist nationwide, it’s best to talk to your Allstate agent to see what applies to you.
How much does motorcycle insurance cost?
There are different factors that help determine the cost of a motorcycle policy. These include your age, the type of motorcycle you ride, and the types of coverage you choose. If you care about prices, there are different ways to save on your premiums. You may benefit from insuring multiple motorcycles, or by bundling your motorcycle insurance with other Allstate policies.