Allstate Review: Motorcycle Insurance Cost and Coverage

Allstate motorcycle insurance legitimacy and licensing

Yes. Allstate motorcycle policies are written by Allstate Fire and Casualty Insurance Co., Allstate Property and Casualty Insurance Co. and affiliates, based in Northbrook, Illinois. AM Best affirmed an A+ (Superior) financial strength rating with a stable outlook for Allstate’s insurance group on September 2, 2026, which means it is well placed to pay claims.

Customer reviews are the weak spot. Trustpilot rates Allstate 1.3 out of 5 from 1,113 reviews, 91% of them one star, mostly about auto and home claims, price increases and hard-to-reach service. Those reviews are not motorcycle-specific, but the same claims organization handles them.

An earlier version of this page cited an NAIC complaint index of 2.71 for Allstate. We could not confirm that figure for Allstate’s motorcycle insurer, so check your state’s numbers on the NAIC Consumer Insurance Search before you buy.

Allstate motorcycle insurance cost

Allstate does not publish motorcycle rates. In ValuePenguin’s 2026 study of full coverage quotes, Allstate averaged $37 a month, about $444 a year, compared with a $33 national average, $22 at Dairyland, $23 at Progressive, $24 at Harley-Davidson and $36 at GEICO. Only Markel ($39) and Nationwide ($54) averaged more among the companies ValuePenguin listed.

Allstate’s own cost guide quotes an Insurify estimate of $68 a month for minimum coverage and $148 for full coverage on a standard bike. That figure is much higher than ValuePenguin’s because the two use different bikes, riders and limits, which is why your own quotes matter more than any average.

Price factors Allstate lists include your coverage and limits, the type, value and theft rate of the bike, horsepower, where you live, how often you ride, your riding record and your insurance history.

What Allstate motorcycle insurance covers

Allstate insures motorcycles, scooters and trikes. Core coverages are bodily injury and property damage liability, medical payments, personal injury protection where available, collision (including tipping over or sliding out), comprehensiveComprehensive. Covers non-crash damage such as theft, fire, vandalism and weather. Compare motorcycle insurance companies, and uninsured or underinsured motorist bodily injury.

Optional coverages include:

• Optional or added equipment: $1,000 on aftermarket upgrades such as custom seats, crash bars and fairings, with up to $30,000 available. It includes dealer-added upgrades and manufacturer-branded accessories.
• Towing and labor and rental reimbursement.
• Transport trailer damage for your trailer and bike.
• Gap coverage for a financed or leased bike, which requires comprehensive and collision.
• Rider Protection Package, which can pay death and dismemberment and cash benefits after a serious covered accident.
• New Motorcycle Extended Protection for original owners of a never-titled bike if the loss happens within two model years.

How the First Accident Waiver works

Allstate says your premium will not go up just because of your first at-fault accident, at no extra charge, if you are eligible. All four conditions must be met:

• It is the only at-fault accident on any motorcycle within a set period.
• Your Allstate motorcycle policy is at least 48 months old.
• Both the bike and the rider are covered at the time of the accident.
• The rider is not charged with a major traffic violation tied to the accident.

The waiver is optional and not available in every state. The 48-month clock is based on how long you have held the Allstate policy, not only on your riding record, which an earlier version of this page described differently.

Allstate motorcycle discounts

Allstate lists these motorcycle discounts, with amounts that vary by state:

• Multiple motorcycles on one policy
• Multi-policy, for bundling with auto, home or other Allstate policies
• Good rider, after 60 months without an at-fault accident or more than a minor violation
• Policy transfer from another insurer
• Riding organization membership, including the American Motorcycle Association, Gold Wing Touring or Road Riders Association, Harley Owners Group, Honda Riders Club of America and the Motorcycle Safety Foundation
• Voluntary safety course within the past 36 months
• Up to 5% for automatic payments
• Signing up at least seven days before your current policy expires

Claims, complaints and canceling

You can file a motorcycle claim online, in the Allstate Mobile app or by calling 1-(800) 255-7828. You pay your deductible before coverage applies, and comprehensive normally pays up to the actual cash value of the bike unless you bought new-bike or gap protection.

The most common complaints about Allstate across products are slow claim handling and low total loss valuations, premium increases at renewal, billing errors and difficulty reaching a person. Keep receipts for added equipment, photograph the bike before riding season, and get claim decisions in writing. If you cannot resolve a dispute, file with your state insurance department.

To cancel, contact your agent or Allstate. Ask how unused premium is refunded and whether a fee applies before you buy a new policy, and avoid any gap in coverage.