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Allstate Motorcycle Insurance Review: What to Expect from One of the Best Providers in 2023?

Allstate provides complete insurance coverage for the things that come at you in life. You can also find commercial coverage for your storefront or surety bonds for different business needs.

You can bundle motorcycle insurance to receive significant discounts when you purchase multiple policies through Allstate. Although this provider has a reputation for charging higher rates than GEICO, Progressive, or State Farm, you can bring down your monthly premium with several discounts.

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Most riders receive a competitive rate from autopay to multipolicy needs when they select Allstate as their primary insurer. With a network of nationwide agents ready to assist and a national customer service line, you can typically find what is needed for your motorcycle coverage in minutes.

What Are the Coverage Options from Allstate?

When you choose motorcycle insurance from Allstate, the standard policy typically covers medical payments, property damage liability, and bodily injury liability.

Riders can add several options to their basic policy to cover every potential need. Here’s a closer look at the various choices this provider can add to your motorcycle insurance.

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Personal Injury Protection

This insurance coverage helps to reimburse for lost wages, medical bills, childcare needs, funeral expenses, and other costs if you’re hurt in an accident (not available in all states).

Comprehensive Insurance

This policy option covers damage to motorcycles that aren’t caused by another object, vehicle, or bike. The most common claims involve theft and vandalism. You receive final support for repairs up to the actual cash value of your ride.

Towing and Labor

If your motorcycle breaks down on the road, this additional coverage reimburses your towing and labor costs to repair the bike.

A scooter towed from street
P.C.: Flickr!

Rental Reimbursement

When your motorcycle needs extensive repair, and you need transportation options, this coverage pays for the cost of a rental.

Transport Trailer Damage

If your motorcycle and trailer receive damage from a rollover, collision, or most other losses, this policy add-on covers it.

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Optional Equipment

Aftermarket parts aren’t always covered in a standard motorcycle policy. At Allstate, riders receive $1,000 of automatic protection for these upgrades when they apply to fairings, crash bars, or seats. It is possible to purchase up to another $30,000 in protection.

When you choose an Allstate motorcycle policy, you can protect a trike, scooter, or bike. If you want more than the basic coverage, ask about the options above while providing information about your motorcycle for a quote.

What to Expect from Allstate’s Claim Service

Allstate provides a mobile claims service that includes the option to take pictures right from the site to upload immediately. If you follow the online process, a claims adjuster works with a verified mechanic to inspect the photos and provide compensation.

It’s one of the fastest, hands-off claims processes in the industry today. You can follow the status of each one online.

You can also file a claim by calling Allstate’s toll-free customer service number or working with your local agent.

Some claims are paid within 24 hours. If you’re not at fault for an accident, the immediate benefits are distributed first, then Allstate pursues the other driver’s insurance to get what you’re owed.

How to Save Money on Motorcycle Insurance from Allstate

Insuring a motorcycle or multiple bikes through Allstate can qualify some riders for multipolicy discounts.

Here are some ways to lower the cost of your quote to make it competitive with any other top provider in the United States.

1. Good Rider Discount

You can see a significant discount on your Allstate quote if you haven’t had an at-fault accident or anything above a minor violation in the past five years. Riders that transfer their policy from a different insurer can also receive a welcome discount to keep costs lower.

2. Multiple Motorcycles

You can save more by insuring all your bikes through Allstate. If you have a house, car, or other recreational vehicles at home that require insurance, multiple discounts could be available when asking for a quote.

motorcyclist ready to ride

3. Automatic Payments

You can save up to 5% off your motorcycle insurance policy (or bundles) when you set up automatic payments after accepting your quote.

You can receive another discount when you sign up for a new policy at least seven days before your current one expires.

Allstate also provides FullPay® as an option. You can save even more when paying for your entire motorcycle policy in full instead of breaking it up into monthly payments.

4. Safety Course Discount

Allstate offers a discount for your insurance coverage when you voluntarily take a safe driving program as a motorcyclist. It must have been taken within the last three years to qualify for these savings.

5. Organizational Membership

You can get a discount on your insurance when you belong to one or more riding organizations as a motorcyclist. Qualifying groups include Gold Wing Touring, the Harley-Davidson Owners, and the American Motorcycle Association.

Allstate Insurance Ratings in Service Categories

Allstate - one of the largest insurance providers in the USA
  • Customer Service: 4.5/5. I have always been satisfied with this insurer’s customer service. You’re typically working with a local agent. Still, there is national infrastructure to point you in the right direction if you have a complex claim or specific questions that need answers. Email responses are often provided on the same day.
  • Online Tools and Resources: 4.5/5. Once an account is created, you can tap into all your policy documents with a few clicks. You can download your entire policy to keep a digital copy with you or print one for your files. Allstate lets you quickly update your coverages and rates to meet your changing needs.
  • Claims Process: 4.5/5. The online claims process is straightforward. You’ll upload files and statements, submit them to an adjustor, and wait for a ruling. They examine damage to your motorcycle remotely so that you don’t need to spend time finding a shop.
  • Financial Stability: 4/5. Allstate has a financial strength rating of A+ (Superior) from A.M. Best.
  • Additional Features: 4.5/5. Since Allstate offers insurance options in multiple categories, you can tap into several bundling options. I even had the chance to combine my motorcycle and small business coverage needs. This flexibility ensures everyone can manage their protection requirements without much red tape.
  • Underwriting Process: 4/5. I found the underwriting experience to be simple and manageable, although there can be hiccups. If you have a vintage or antique bike based on cash value to insure, there could be some communication challenges in the back-and-forth to reach an agreeable figure.
  • Pricing: 3/5. Allstate is competitive with its pricing but tends to be more expensive than others. You’re receiving a lot for the investment, especially as a daily rider. However, the most savings occur when you can bundle two or more policies with your motorcycle.
  • Reputation: 4.5/5. Allstate has an excellent reputation for following through with claims, delivering high-quality customer service, and being a trustworthy brand.

FAQ About Allstate Insurance

Allstate can have some unique procedures to follow when requesting a quote. Here are the questions I encountered during the process and the answers I was able to find to make everything as easy as possible.

What Does the Allstate Mobile App Offer?

You can receive instant access to your Allstate policy, claims access, and roadside assistance through the insurer’s app.

Does Milewise Work with Motorcycles?

Milewise is an optional telemetrics program that could offer some savings opportunities, but it isn’t suitable for most motorcyclists. You can choose an unlimited daily rate or pay-per-mile. The program is only available in 21 states.

Does Allstate Offer Seasonal Coverage?

Allstate spreads out the cost of your motorcycle insurance throughout the year to account for days when you’ll store your bike. This structure ensures year-round coverage while providing protection against unforeseen circumstances.

Is Allstate Insurance Worth Getting?

Although Allstate insurance rates are typically slightly higher than other national providers, you’ll receive more personalized care and attention. Your agent takes care of the administrative work for your policy, which means you just sign the documents when they arrive.

With automatic payments, you can set a date for when you pay for your policy. You can even bundle motorcycle insurance with other items and have the policy premiums come out on different days if that’s what your budget needs.

When you need to make changes, a quick email to your local agent takes care of the issue.

If you don’t want to micromanage your motorcycle insurance, Allstate can take care of the heavy lifting for you. That includes seasonal changes when you might have your bike in storage.

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