Multiple Motorcycle Discount
Insure more than one motorcycle under the same Allstate policy.
Multiple Policy Discount
Earn up to 10 percent if you have a homeowners, condominium and/or auto policy with Allstate.
Transfer Discount
Earn up to 10 percent if you currently have motorcycle insurance with a carrier other than Allstate.
Motorcycle Organization Discount
Earn up to 10 percent if you're a member of an eligible motorcycle organization. Your Allstate Agent can provide a list of organizations that are eligible for a cycle club discount.
Motorcycle Safety Course Discount
Earn up to a 5 percent bike safety discount if you voluntarily attended and passed a motorcycle safe driving program within the past 36 months: msf-usa.org
Good Rider Discount
Earn up to 5 percent if you haven't had any chargeable accidents and no more than one minor violation in the past 60 months.
Optional or Added Equipment
Covers aftermarket items like crash bars, custom seats, sissy bars, windshields and more. With every Allstate Motorcycle policy, $1,000 worth of coverage is included when you purchase Comprehensive Coverage. You can also purchase up to an additional $30,000 of coverage to help protect optional equipment you've added to your bike.
Lease/Loan Gap Coverage
If your bike is stolen or totaled, you're not at a total loss. Gap coverage pays the difference between your motorcycle and the amount remaining on your loan or lease. You must have Comprehensive and Collision Coverages in order to purchase Gap Coverage.
Towing and Labor Costs
If your bike breaks down or you're in an accident, don't worry about the cost of getting it home or to the shop. Towing and Labor Costs Coverage will typically reimburse you (up to the applicable limit) on all Harley-Davidson, Touring and Touring Sport motorcycles. It's also available for all other bikes at an additional cost.
Rental Reimbursement
If you purchase this coverage and your motorcycle is damaged or stolen, we'll help cover the cost of renting an automobile.
First Accident Waiver
Accidents happen. That's why we provide First Accident Forgiveness as part of our motorcycle policy offering. An accident will be considered for waiver if:
- It is the only chargeable accident with any motorcycle in 48 months.
- Policy has been in effect with Allstate Property and Casualty Insurance Company for 48 months.
- The driver and motorcycle was listed on the policy when the accident occurred. No major violation occurred concurrent with the accident
Liability
If you're at fault in an accident and cause damage to others, Liability Coverage typically provides protection for damages that you are legally obligated to pay, within policy limits.
Passenger Liability
If you're at fault in a covered accident and you have a passenger on your motorcycle, you may be liable for their injuries. Passenger Liability Coverage helps protect you if a passenger suffers bodily injuries, within policy limits.
Medical Payments
If you're injured in an accident, could you afford to pay the medical expenses? Medical Payments Coverage provides payment for reasonable and necessary medical treatment for you or another insured person after a covered accident, within policy limits.
Personal Injury Protection
Typically provides coverage for an insured person for certain reasonable and necessary expenses. Some examples of typical expenses include: medical and hospital expenses, income continuation, loss of services, funeral expenses, and child care expenses for bodily injury caused by a covered accident, regardless of who was at fault. It’s only available in certain states.
Uninsured/Underinsured Motorist
Typically helps protect you for covered damage caused by drivers who don’t have insurance or don’t carry enough insurance. Uninsured Motorist Property Damage Uninsured Motorist for Property Damage coverage (if applicable in your state) will typically pay for covered damage to your insured cycle caused by an uninsured motorist.
Collision
Your motorcycle is a valuable asset that you want to help protect, maintain and repair if damaged. Collision Coverage helps pay to repair or replace your insured motorcycle after a covered accident, within policy limits.
Comprehensive
Accidents happen—and they are not always a result of collisions with other vehicles. Comprehensive Coverage helps pay for covered damages to your insured motorcycle resulting from a loss other than a collision, within policy limits. Covered damages include: flood, wind, theft or vandalism and many other non-collision losses.
Allstate gives you a discount when you put multiple bikes on one policy.
Accidents happen. That�'s why we provide First Accident Waiver as part of our motorcycle policy offering.
Allstate automatically covers $1000 of aftermarket items with Comprehensive Coverage.
Allstate's discounts can save you up to 40% on your motorcycle insurance.
With Allstate's Comprehensive Coverage, you can get up to $30,000 in additional optional motorcycle coverage for aftermarket items.
Insure your motorcycle, auto, and home with Allstate, and you can get up to a 30% discount.
Allstate gives members of Rider Groups up to a 10% discount.
Save up to 10% when you switch to Allstate motorcycle insurance.
Frequently Asked Questions
Do I need coverage for aftermarket parts?
Yes. When you upgrade your bike, you're increasing its value. You want your insurance to keep up. If you add less than $1,000 of custom parts, you're automatically covered with Allstate's Comprehensive and Collision Coverage. If it's more than that, you can get up to an additional $30,000 of coverage.
Can I rent a bike to get around after an accident?
No. But you can rent a car if you purchase Rental Reimbursement coverage and your bike is damaged or stolen. Allstate will help cover the cost.
Will my rates skyrocket if I get in an accident?
If you've been a customer of Allstate for 4 or more years, you've got First Accident Waiver. It will keep your rates from going up just because of an accident.
Am I covered if I cause an accident?
You should be. Allstate's Liability Coverage typically provides protection for damages that you are legally obligated to pay to others, within policy limits.
Is my passenger covered?
Yes. If the passenger is a family member who lives at your address, they are covered by Allstate's Medical Payments Coverage. All other passengers are covered by Guest Passenger Liability.
Am I covered if my bike is stolen or vandalized?
Comprehensive Coverage helps pay for covered damages resulting from a loss other than a collision, within policy limits. These include: flood, wind, theft and vandalism.
Am I covered if I wreck with an uninsured motorist?
In the states where it applies, Uninsured Motorist Property Damage coverage will typically pay for damage to your bike caused by an uninsured motorist.
Am I covered out of state?
Allstate motorcycle insurance helps protect you in all of the lower 48. And if you can get there, the other two as well.
Am I covered in Canada or Mexico?
Canada, yes. Mexico, yes—covered within policy limits and only up to a certain mileage.
Can I turn coverage off temporarily during the winter?
No. We don't offer a 'lay-up' option. But your rates do account for seasonality of your state - providing low rates year round. This keeps you ready to ride when that unseasonably warm winter day rolls around.
Am I covered if my friend wrecks my bike?
Allstate motorcycle insurance will help protect your bike within policy limits no matter who wrecks it unless it was damaged from an excluded activity.
Does my car driving record affect my motorcycle policy rates?
Yes. Even though riding on four wheels can never be compared to the freedom of riding on two, everything on your motor vehicle record is used to get your motorcycle rate.
I own several bikes. Do you offer a discount if I insure several of them together?
Yes. Bike fanatics deserve a fanatical discount. You can save up to 35% when you insure multiple motorcycles on the same policy.
I don't ride during the winter months. Why do I need a 12-month policy?
All rates take into consideration how bad your region’s winter is. Shorter riding seasons can get lower rates. That’s good, because no one wants to miss a ride on that freakish 50-degree day in January.
Tips on Riding
- Never ride your motorcycle without your helmet. Make sure it fits securely and has a DOT label, which symbolizes compliance with federal safety standards.
- Take a motorcycle rider-training class.
- Know the limitations of your motorcycle.
- Don't speed.
- Never tailgate other vehicles.
- Use your signals. Learn the hand signals for turning, stopping and slowing down just in case your bike's signals ever malfunction.
- Respect other drivers. Avoid weaving through traffic and driving on the shoulder.
- Be visible. Be visible. Be visible.
- Avoid riding in blind spots and always use your headlights.
- Brake safely. Use both brakes at the same time.
Before You Hit The Road Checklist
- Test your lights, brakes, turn signals and horn.
- Check the oil and fuel levels.
- Check tires for any punctures or slick spots.
- Make sure your mirrors are positioned correctly.
- Make sure your cables are not worn or frayed.
- Lubricate and adjust the chain as recommended by the manufacturer.
What To Wear
- Protective Eyewear. Find a high quality helmet with a face shield, goggles or glasses with plastic/safety lens so you can always see the road clearly.
- Jacket and Pants. Wear safe, durable materials including leather or synthetics that are full length and fit to size. Color is also important. Vibrant colors and reflective materials are more easily seen on the road.
- Gloves. Choose durable, non-slip leather gloves that fit your hands well.
- Shoes. Wear leather boots or durable sneakers that cover your ankles.
Common Motorcycle Accidents
- Other motorists not seeing you. You're smaller than they are, and you're twenty-seven times more likely to die in a collision than they are. So be visible.
- Potholes. You can curse bad roadways all you want, but in the end, it's up to you to avoid obstacles in your way.
- Speeding. Sure, it's fun to rip down the road. But every mile an hour over the speed limit you go increases the odds of an ugly outcome.
- Inexperience. Know the limitations of your bike before you get out there with the big boys. Rush hour is not the time to learn that you don't know what you're doing.
- Over braking. If you lock up your front wheel when braking, you've just sacrificed your ability to steer. Hopefully, that'll be the only thing you sacrifice.
- Running wide on a turn. Obvious, really. The road is the safest place to be. The shoulder is where telephone poles, mailboxes and little white crosses live.
Motorcycle Safety Foundation
You can always get more information on motorcycle riding safety tips, state laws and course information at http://msf-usa.org
