Motorcycle Insurance
Whether you're a weekend warrior or a daily commuter, get the right protection for your ride. We cover all types of bikes, from cruisers to sport bikes, with policy options that fit your needs and budget.
Coverage That Works for You
Accessory Coverage
Get extra protection for your custom parts and equipment, from chrome pipes to saddlebags. Coverage limits for custom accessories vary by policy — Ask your agent about the right amount for your setup.
Deductible Rewards
Start with a $100 deductible credit, and get another $100 off for each claim-free year, up to a maximum of $500. It pays to ride safe.
New Bike Replacement
If your newer bike is totaled, allstate may help pay to replace it with a brand new one of the same make and model — Not just the depreciated value. Ask your agent about eligibility and model year requirements.
Roadside Assistance
Flat tire? Dead battery? Ran out of gas? Our 24/7 roadside assistance will get you back on the road, day or night.
Passenger Protection
Your policy can extend liability coverage to a passenger riding with you, so you can share the road with peace of mind.
Trip Interruption Coverage
If you have a covered breakdown far from home, allstate may help cover the cost of lodging, food, and transportation. Ask your agent about availability and distance requirements.
Programs Only Allstate Offers
These aren't generic coverages — they're exclusive Allstate programs designed to save you money and reward safe behavior.
Deductible Rewards
Vanishing DeductibleGet $100 off your deductible the day you sign up. For each claim-free year, earn another $100 off — Up to $500 total. After 5 years without a claim, your deductible could be $0 — Meaning you pay nothing out-of-pocket on your next covered claim.
Optional/added Equipment Coverage
Protect Your Custom UpgradesAllstate automatically includes $1,000 in coverage for aftermarket parts and accessories. But if you've invested in custom exhaust, chrome, saddlebags, or a custom paint job, you can increase this up to $30,000 — So your upgrades are fully protected.
Rental Reimbursement
Stay Mobile While Your Bike Is in the ShopIf your motorcycle is stolen or in the shop after a covered claim, rental reimbursement coverage helps pay for a rental vehicle so you're not stranded while waiting for repairs.
Discounts You May Qualify For
The most common motorcycle bundle is motorcycle + auto. If you also rent your home, a renters + motorcycle + auto bundle can stack discounts significantly. Riders with homes should also consider adding an umbrella policy — motorcycle accidents often result in claims that exceed standard liability limits.
Multi-policy Bundle
Save when you bundle motorcycle with auto, home, or renters insurance.
Multiple Motorcycle Discount
Insure more than one motorcycle on the same policy and save on each.
Good Rider Discount
Complete a motorcycle safety course (like the msf basic ridercourse) and qualify for a discount on your premium.
Fullpay Discount
Pay your full annual premium upfront instead of monthly installments and save on service fees.
Transfer Discount
Switching from another motorcycle insurer? you may qualify for a transfer discount just for making the switch.
What's Covered — and What's Not
Understanding the boundaries of your policy helps you avoid surprises when you need coverage most.
Typically Covered
Typically Not Covered
Real Consequences
What Happens Without It?
the scenario
You're riding your motorcycle on a two-lane road near Uwharrie National Forest when a deer jumps out. You lay the bike down to avoid it, sliding across the pavement. The bike is totaled and you need emergency medical care.
without coverage
Your $15,000 motorcycle is a total loss. Emergency room visit, ambulance, X-rays, and follow-up care run $25,000+. Your $3,000 in custom parts and gear are destroyed. You're still making payments on the bike loan. Total out-of-pocket: $40,000+ with no way to recover it — the deer doesn't have insurance.
with allstate coverage
Your Allstate comprehensive coverage pays the actual cash value of the bike. Custom parts and equipment coverage reimburses your aftermarket additions. Medical payments coverage handles your ER bills regardless of fault. Accessory coverage replaces your helmet and riding gear. You recover financially and get back on the road.
Real Scenarios, Real Answers
Insurance isn't one-size-fits-all. Here's how your coverage works in situations North Carolina residents actually face.
A Deer Runs Out on the Blue Ridge Parkway
You're cruising near blowing rock when a deer jumps in front of you. You swerve and lay the bike down, causing significant damage. Your comprehensive coverage helps pay for the repairs, minus your deductible, getting you back on the scenic route.
Greensboro Hailstorm Vs. Your Custom Paint Job
A surprise spring hailstorm rolls through the triad while your bike is parked outside. The hail damages your tank and fenders. Because you have comprehensive coverage, your policy helps cover the cost to repair the cosmetic damage.
Fender Bender in Downtown High Point
You're at a stoplight and get rear-ended by a distracted driver. Their car has minor damage, but your bike is unrideable. The other driver's property damage liability covers your bike's repairs. If they didn't have enough insurance, your underinsured motorist coverage would kick in.
Theft from Your Carport in Winston-salem
You wake up to find your bike stolen from your carport overnight. It's a total loss. Your comprehensive coverage helps pay for the actual cash value of your stolen motorcycle, allowing you to get a new ride.
What the Numbers Actually Mean
Insurance limits can feel like alphabet soup. Here's a plain-English breakdown of what you're actually buying.
This covers medical bills for others if you cause an accident. The first number ($50,000) is the max paid to one person; the second ($100,000) is the max paid for the entire accident if multiple people are hurt.
This pays to repair or replace someone else's property you damage, like their car, fence, or motorcycle. North carolina's minimum is $50,000, but we often recommend more.
Protects you if you're hit by someone with no insurance. It covers your medical bills and lost wages up to the limits you choose, which must be at least the state minimum.
This is the amount you pay out-of-pocket for non-collision claims (like theft or hail). A higher deductible lowers your premium, but means you pay more if something happens.
You Might Need This If...
See How It Works
Understanding Collision Coverage
Collision coverage helps pay for damage to your vehicle after an accident, regardless of who's at fault. Essential for motorcycle riders where even minor accidents can total a bike.
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Disclaimer: The coverage descriptions on this page are general summaries intended for informational purposes only. They do not constitute insurance advice, nor do they modify, amend, or supplement any insurance policy. Actual policy terms, conditions, exclusions, and limitations vary by state and individual risk profile. Allstate products and discounts are subject to terms, conditions, and availability. Please refer to your specific policy documents for complete details, or contact us to discuss your coverage needs with a licensed agent.