{"id":323416,"date":"2025-11-11T18:22:21","date_gmt":"2025-11-11T23:22:21","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=112585"},"modified":"2025-11-11T18:22:21","modified_gmt":"2025-11-11T23:22:21","slug":"allstate-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/motorcycle\/allstate-review\/","title":{"rendered":"Allstate Motorcycle Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Allstate Motorcycle Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate Motorcycle Insurance Review<\/h2>\n\n\n\n<p>Allstate delivers mainstream motorcycle coverage with optional add-ons like custom parts and equipment and towing\/trip interruption, plus strong multi-policy savings that can lower your overall insurance spend. Allstate publicly markets <a href=\"https:\/\/www.allstate.com\/insurance\/bundle\">up to 25% savings<\/a> for bundling auto and home (actual savings and eligibility vary by state and policy). Telematics programs such as <a href=\"https:\/\/www.allstate.com\">Drivewise<\/a> and <a href=\"https:\/\/www.allstate.com\/auto-insurance\/milewise\">Milewise<\/a> are Allstate auto offerings that can help price-sensitive households manage total costs when they bundle, though these programs are not motorcycle-specific. The online quote flow uses data prefill and can hand off to a local agent as needed, making it easier to compare options and bind coverage digitally.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Claim<\/h3>\n\n\n\n<p>Since the 1950s, Allstate has claimed in one form or another that you \u201care in good hands\u201d when you choose it as your insurance provider.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is it true?<\/h3>\n\n\n\n<p>Allstate\u2019s offer aligns with what most riders need: liability, uninsured\/underinsured motorist, medical payments where available, and physical damage coverages (collision and comprehensive) with options to tailor limits and add coverage for accessories and riding gear. Industrywide, shoppers remain highly price\u2011sensitive and are re\u2011quoting more often, according to the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-shopping-study\">J.D. Power 2025 U.S. Insurance Shopping Study<\/a>. In digital experiences, clarity and ease remain key drivers of satisfaction per <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\">J.D. Power\u2019s 2024 Digital Experience Study<\/a>. Safety features also matter: research from <a href=\"https:\/\/www.iihs.org\/topics\/motorcycles\">IIHS<\/a> links motorcycle antilock braking systems (ABS) to lower crash losses, which helps explain why ABS and rider training can influence pricing and discounts where permitted.<\/p>\n\n\n\n<p>Savings paths Allstate advertises (availability and amounts vary by state) include:<\/p>\n\n\n\n<ul class=\"list-items\"><li>Multi-policy (bundle) discount \u2014 Allstate markets <a href=\"https:\/\/www.allstate.com\/insurance\/bundle\">up to 25% savings<\/a> for auto+home bundles (actual savings vary by state and policy)<\/li><li>Multi\u2011bike savings when you insure more than one motorcycle on the same policy<\/li><li>Approved rider safety\/defensive driving courses and eligible motorcycle organization memberships<\/li><li>Billing and account discounts such as Autopay (EZ Pay), Pay\u2011in\u2011Full (FullPay), Paperless\/eSmart, Early Signing, and Responsible Payer where offered (<a href=\"https:\/\/www.allstate.com\">Allstate\u2019s discounts catalog<\/a> outlines naming and eligibility on auto; motorcycle availability varies by state)<\/li><li>Vehicle\/safety equipment credits like anti\u2011theft devices and ABS where applicable; ABS is associated with lower crash involvement per <a href=\"https:\/\/www.iihs.org\/topics\/motorcycles\">IIHS<\/a> research (discounts vary by state and program)<\/li><li>Telematics: <a href=\"https:\/\/www.allstate.com\">Drivewise<\/a> offers an activation discount and the chance to earn cash back every 6 months for safe driving, and <a href=\"https:\/\/www.allstate.com\/auto-insurance\/milewise\">Milewise<\/a> provides per\u2011mile pricing for low\u2011mileage drivers \u2014 these programs are primarily for auto policies; they may help lower your total Allstate spend when you bundle, but they don\u2019t typically apply to motorcycle premiums<\/li><\/ul>\n\n\n\n<p>Overall, Allstate\u2019s mix of agent support and digital tools suits riders who want straightforward coverage with bundling opportunities and flexible ways to quote and buy.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"product_overview\" title=\"Product Overview\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Product Overview<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Best for<\/h3>\n\n\n\n<p>Riders who want mainstream coverage, strong multi\u2011policy savings potential, and a digital quote experience with easy agent access when needed<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Not for<\/h3>\n\n\n\n<p>Collectors who need agreed\u2011value coverage for classic\/vintage motorcycles (Allstate insures older bikes on actual cash value, not agreed value)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Features<\/h3>\n\n\n<section id=\"block---\" class=\"theme-block c-table \">\n  \n<div class=\"row\">\n    <div class=\" h-width-100\">\n    \n      <div class=\"table-responsive table-responsive--with-summary h-shadow-2dp h-border-small\">\n        <table class=\"table table-striped table-bordered table--bordered-top table--rounded\">\n          \n          \n  <tbody>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              Price\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>Quotes differ from person to person<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              In business since\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>1931<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              Standout features\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>Online quote tool with agent handoff\n<br>Custom parts &amp; equipment (CPE) and riding gear coverage\n<br>Towing and trip interruption options\n<br>Bundling savings up to 25% on auto+home (varies by state)<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              Number of states served\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>50<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              A.M. Best financial strength rating\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>A+<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              A.M. Best issuer credit rating\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>aa<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              Moody\u2019s financial strength rating\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>A1<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              S&amp;P Global financial strength rating\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>AA-<\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              Number of discounts\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019>Varies by state<\/font>\n            <\/td>\n                        <\/tr>\n      <\/tbody><!-- tbody -->\n        <\/table>\n      <\/div>\n      \n    <\/div>\n    \n  <\/div>\n<\/section>\n\n\n\n\n\n\n<h4 class=\"wp-block-heading\">Excellent coverage options<\/h4>\n\n\n\n<p>Allstate\u2019s motorcycle policies include standard liability and physical damage coverages, with optional custom parts and equipment (CPE) for aftermarket accessories and safety apparel, plus roadside\/towing and trip interruption options for touring riders. These options are outlined on Allstate\u2019s motorcycle page (<a href=\"https:\/\/www.allstate.com\/motorcycle-insurance\">Allstate<\/a>), and availability and limits vary by state. If you\u2019re comparing across brands, note that some competitors include accessory coverage by default when you carry comp\/collision and allow higher accessory limits for heavily customized bikes (<a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive<\/a>; <a href=\"https:\/\/www.geico.com\/motorcycle-insurance\/\">GEICO<\/a>).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lease\/loan gap insurance<\/h4>\n\n\n\n<p>If you\u2019re financing or leasing a motorcycle, ask an agent about loan\/lease gap coverage and eligibility in your state; requirements often include carrying collision and comprehensive, and offerings vary across insurers. Coverage terms differ by carrier and program, so confirm details during quoting and compare like\u2011for\u2011like per guidance in Bankrate\u2019s <a href=\"https:\/\/www.bankrate.com\">motorcycle insurance guide<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Plenty of ways to save<\/h4>\n\n\n\n<p>Allstate highlights multiple savings levers. The biggest, widely marketed lever is bundling: save <a href=\"https:\/\/www.allstate.com\/insurance\/bundle\">up to 25%<\/a> by combining auto and home (savings and eligibility vary). Additional savings may include multi\u2011bike, approved safety training, and billing\/program discounts like Autopay (EZ Pay), Pay\u2011in\u2011Full (FullPay), Paperless\/eSmart, Early Signing, and Responsible Payer as listed on Allstate\u2019s discounts page (<a href=\"https:\/\/www.allstate.com\">auto<\/a>; motorcycle availability varies by state). Telematics such as <a href=\"https:\/\/www.allstate.com\">Drivewise<\/a> and <a href=\"https:\/\/www.allstate.com\/auto-insurance\/milewise\">Milewise<\/a> are auto programs; they can help lower household costs when you bundle, but typically do not apply to motorcycle premiums.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Streamlined quote process<\/h4>\n\n\n\n<p>Allstate\u2019s online quoting uses information you provide along with data from third parties and consumer reporting agencies to prefill and rate your quote, which reduces manual entry (<a href=\"https:\/\/www.allstate.com\/privacy\">Allstate Privacy<\/a>). Best practice disclosures note that insurance quote inquiries are typically \u201csoft\u201d and do not affect your credit score (<a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/will-getting-an-auto-insurance-quote-affect-my-credit-score-en-763\/\">CFPB<\/a>). During or after quoting, you may see optional messaging about <a href=\"https:\/\/www.allstate.com\">Drivewise<\/a> (app\u2011based safe\u2011driving rewards) and separate pricing options like <a href=\"https:\/\/www.allstate.com\">Milewise pay\u2011per\u2011mile<\/a> for low\u2011mileage drivers in participating states. You can typically bind online with e\u2011sign or hand off seamlessly to an agent; Allstate\u2019s strategy emphasizes expanding direct\/digital access alongside agents (<a href=\"https:\/\/www.allstate.com\">Allstate Transformative Growth<\/a>). Clear, mobile\u2011friendly explanations of coverage and price changes align with what J.D. Power finds drives satisfaction in digital insurance experiences (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-insurance-digital-experience-study\">study<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Possible drawbacks<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">No vintage motorcycle coverage<\/h4>\n\n\n\n<p>Clarification: Allstate can insure older or vintage motorcycles on a standard policy that settles physical damage on actual cash value (ACV), and you can add custom parts\/equipment coverage; however, Allstate does not publicly market a dedicated agreed\u2011value collector program (<a href=\"https:\/\/www.allstate.com\/motorcycle-insurance\">Allstate<\/a>). Collectors who want agreed\/guaranteed value often choose specialty carriers such as <a href=\"https:\/\/www.hagerty.com\/insurance\/motorcycle-insurance\">Hagerty<\/a> or <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Fewer discounts than competitors<\/h4>\n\n\n\n<p>Discount names, eligibility, and amounts vary by state across all major carriers, so comparing \u201ccount of discounts\u201d isn\u2019t apples\u2011to\u2011apples. Allstate\u2019s most material lever is bundling (<a href=\"https:\/\/www.allstate.com\/insurance\/bundle\">up to 25%<\/a> for auto+home, subject to state\/policy). When you compare quotes, match the same liability limits, deductibles, and accessory\/custom parts limits. Note that some rivals, such as <a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive<\/a>, include accessory coverage with comp\/collision by default and offer optional total loss\/new bike replacement in some states\u2014choices that can change both price and protection.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n<section id=\"block---\" class=\"theme-block c-table \">\n  \n<div class=\"row\">\n    <div class=\" h-width-100\">\n    \n      <div class=\"table-responsive table-responsive--with-summary h-shadow-2dp h-border-small\">\n        <table class=\"table table-striped table-bordered table--bordered-top table--rounded\">\n          \n          \n  <tbody>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <center><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/\">Allstate<\/a><\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <center><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/\">Progressive<\/a><\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <center><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/\">Nationwide<\/a><\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <center><a href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/quotes\/\">State Farm<\/a><\/center>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              \n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <font size=\"2\"><center><a href=\"\/insurance\/motorcycle\/progressive-review\/\">Read review<\/a><\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <font size=\"2\"><center><a href=\"\/insurance\/motorcycle\/nationwide-insurance-review\/\">Read review<\/a><\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <font size=\"2\"><center><a href=\"\/insurance\/motorcycle\/state-farm-review\/\">Read review<\/a><\/center><\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>Advertised discounts<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019><center>Varies by state<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <font size=\u20192\u2019><center>Varies by state<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <font size=\u20192\u2019><center>Varies by state<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <font size=\u20192\u2019><center>Varies by state<\/center><\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>A.M. Best financial strength rating<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019><center>A+<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <font size=\u20192\u2019><center>A+<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <font size=\u20192\u2019><center>A+<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <font size=\u20192\u2019><center>A++<\/center><\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>24\/7 support<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>Online resources<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                        <\/tr>\n          <tr>\n                              <td class=\"&#x20;col-1&#x20;fixed\">\n              <center>Vintage\/classic bike coverage<\/center>\n            <\/td>\n                                        <td class=\"&#x20;col-2\">\n              <font size=\u20192\u2019><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-3\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-4\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                                        <td class=\"&#x20;col-5\">\n              <font size=\u20192\u2019><center>\u2714<\/center><\/font>\n            <\/td>\n                        <\/tr>\n      <\/tbody><!-- tbody -->\n        <\/table>\n      <\/div>\n      \n    <\/div>\n    \n  <\/div>\n<\/section>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\">Allstate vs. Progressive<\/h3>\n\n\n\n<p><a href=\"\/insurance\/motorcycle\/progressive-review\/\">Progressive<\/a> is a top direct writer with broad online quote\/bind and strong motorcycle features. Progressive commonly includes accessories\/custom parts coverage when you carry comprehensive and collision and lets you raise those limits; it also offers optional total loss\/new bike replacement for qualifying new motorcycles in some states, plus OEM parts options and roadside\/trip interruption add\u2011ons (<a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive<\/a>). Allstate competes well for riders who value agent advice and bundling with home\/auto. Given elevated shopping activity in 2025 (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-shopping-study\">J.D. Power<\/a>), collect quotes from both with identical liability limits, deductibles, and accessory limits to see which meets your needs at the best price.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Allstate vs. Nationwide<\/h3>\n\n\n\n<p>Both are large multi\u2011line carriers known for agent support and bundling options. Results will vary widely by state, rider profile, and bike type. Focus your comparison on the coverage details that drive price: accessory\/custom parts limits, roadside\/trip interruption, and any new\u2011bike or OEM parts options. Matching these inputs across quotes is essential for an apples\u2011to\u2011apples comparison, a point emphasized in Bankrate\u2019s <a href=\"https:\/\/www.bankrate.com\">motorcycle insurance guide<\/a>. Also consider household savings from bundling auto\/home with your motorcycle policy (Allstate markets up to 25% for auto+home: <a href=\"https:\/\/www.allstate.com\/insurance\/bundle\">details<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Allstate vs. State Farm<\/h3>\n\n\n\n<p><a href=\"\/insurance\/motorcycle\/state-farm-review\/\">State Farm<\/a> and Allstate both lean on agent guidance with growing digital tools. If you prefer in\u2011person advice and want to bundle multiple policies, include both in your quote set. As with any comparison, align your limits and accessory coverage, then evaluate optional add\u2011ons like roadside\/trip interruption and any OEM parts language. Given shifting market prices and ongoing digital enhancements across carriers, re\u2011shop periodically to validate value (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-shopping-study\">J.D. Power<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate Motorcycle Insurance FAQ<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Does Allstate motorcycle insurance cover medical bills?<\/h3>\n\n\n\n<p>Yes, if you add medical payments (MedPay) where available. MedPay can help pay reasonable and necessary medical expenses for you and a passenger after a covered accident, regardless of fault. Note that in many no\u2011fault states, personal injury protection (PIP) rules differ for motorcycles. For example, New York\u2019s no\u2011fault benefits don\u2019t apply to motorcycles (<a href=\"https:\/\/dmv.ny.gov\/insurance\/motorcycle-insurance\">New York DMV<\/a>), Pennsylvania does not require first\u2011party medical benefits for motorcycles (<a href=\"https:\/\/www.penndot.pa.gov\/TravelInPA\/RiderSafety\/Pages\/Insurance.aspx\">PennDOT<\/a>), and Michigan does not require motorcycle PIP (<a href=\"https:\/\/www.michigan.gov\">Michigan DIFS<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does Allstate motorcycle insurance cover other riders?<\/h3>\n\n\n\n<p>Standard options include uninsured\/underinsured motorist (UM\/UIM) bodily injury coverage to help protect you and your passengers if you\u2019re hit by an at\u2011fault driver with too little or no insurance. Medical payments (where offered) can also help cover medical costs for you and your passenger after a covered accident. Availability and limits vary by state, so review specifics in your quote.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is motorcycle insurance mandatory?<\/h3>\n\n\n\n<p>Nearly all states and D.C. require motorcycle liability insurance. As of 2025, two notable exceptions are Florida and New Hampshire, which do not mandate motorcycle insurance to register\/operate but do enforce financial\u2011responsibility rules after certain crashes or violations (<a href=\"https:\/\/www.flhsmv.gov\">Florida Highway Safety<\/a>; <a href=\"https:\/\/www.nh.gov\/safety\/divisions\/dmv\/financial-responsibility\/insurance.htm\">New Hampshire DMV<\/a>). Virginia ended its Uninsured Motor Vehicle fee and requires liability insurance for all motorists effective July 1, 2024 (<a href=\"https:\/\/www.dmv.virginia.gov\">Virginia DMV<\/a>). Minimum limits also change: for example, California\u2019s limits increased to 30\/60\/15 on Jan. 1, 2025 (<a href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/codes_displaySection.xhtml?lawCode=VEH&#038;sectionNum=16056.\">California Vehicle Code \u00a716056<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Allstate is a strong fit for riders who want mainstream coverage, potential household savings from bundling, and a modern quote\u2011to\u2011bind experience with easy agent access. It can insure older\/vintage motorcycles on an ACV basis and offers optional CPE and roadside\/trip interruption, but it doesn\u2019t publicize an agreed\u2011value collector program\u2014collectors should price specialty options (e.g., <a href=\"https:\/\/www.hagerty.com\/insurance\/motorcycle-insurance\">Hagerty<\/a>, <a href=\"https:\/\/www.markelinsurance.com\">Markel<\/a>). Because features and discounts vary by state and rider profile, compare at least two or three quotes\u2014include a direct writer like <a href=\"https:\/\/www.progressive.com\/motorcycle\/\">Progressive<\/a> or <a href=\"https:\/\/www.geico.com\/motorcycle-insurance\/\">GEICO<\/a> and, if relevant, a specialty carrier like <a href=\"https:\/\/www.dairylandinsurance.com\">Dairyland<\/a>\u2014using the same limits, deductibles, and accessory coverage. Bundling can materially change the outcome (<a href=\"https:\/\/www.allstate.com\/insurance\/bundle\">up to 25% auto+home with Allstate<\/a>), and 2025 shopping trends suggest that re\u2011quoting can uncover savings as pricing shifts over time (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-shopping-study\">J.D. Power<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Allstate Motorcycle Insurance Review Allstate delivers mainstream motorcycle coverage with optional add-ons like custom parts and equipment and towing\/trip interruption, plus strong multi-policy savings that can lower your overall insurance spend. Allstate publicly markets up to 25% savings for bundling auto and home (actual savings and eligibility vary by state and policy). Telematics programs such [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":340903,"parent":1768,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1271],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Allstate Motorcycle Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"While Allstate motorcycle insurance doesn&#039;t provide as many coverages and discounts as competitors, it covers the basics and offers a few unique options.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/motorcycle\/allstate-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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