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Allied motorcycle insurance review

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Backed by Nationwide, this insurer includes coverage for original manufacturers parts, custom equipment and agreed value.

  • Get a quote if you are looking for extensive coverage for your bike.
  • Pick something else if you don’t live in one of the states it services.
  • Best for high-risk riders and classic or custom motorcycles.

Included free

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Included free
Pay schedule 12 months, 6 months
Claims methods online
Accident forgiveness

Pros

  • In-person support.
  • 12-month policy terms.
  • Customizable coverage.
  • Extra benefits for bundling policies.
  • Allied mobile app.

Cons

  • No online quote
  • No online account management

Expert review

Julia Cameron

Review by


Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

Allied provides multiple types of coverage and discounts when insuring your motorcycle. But if you don’t live in one of the states it does business in, you’ll have to check out your other motorcycle insurance options.

What insurance coverage does Allied offer?

Allied offers all of the standard coverages, including:

  • Liability. This covers bodily injury to another person or damage to their motorcycle or car when you’re at fault in an accident.
  • Collision. Coverage for damage to your bike that results from a crash, including $2,000 for damage to your helmets, leathers and other safety gear.
  • Comprehensive. Get protection for damage due to something other than a collision, like fire or theft.
  • Uninsured/underinsured. You’ll be protected if you’re involved in an accident with a driver without the coverage to cover the costs of damages.

What extra benefits and add-ons does Allied offer?

In addition to the basic motorcycle coverages, Allied also offers:

  • Custom equipment. With comprehensive coverage, you get $3,000 in coverage for parts, custom paint and accessories. You can purchase additional coverage up to $30,000.
  • Guest passenger bodily injury. Passengers are covered if they are injured while riding with you.
  • Roadside assistance. Get help with a flat tire, jump or tow. You can also upgrade to trip interruption expenses when you are 100 miles or more away from home.
  • Towing and labor. Get reimbursed for towing and the cost to repair your bike.
  • Original equipment manufacturer (OEM). If your bike needs repairs, only the manufacturer’s original equipment will be used to make the repair.
  • Agreed value for replacement. Get an agreed upon replacement amount based on a formal appraisal instead of the current market value after depreciation. Classic and collector bikes are ideal for this option.

What types of motorcycles does Allied cover?

In addition to traditional motorcycles, Allied also covers:

  • Custom bikes
  • Trikes
  • Assembled and kit bikes
  • Vintage bikes

What discounts can I get with Allied?

Save money on your insurance premium by taking advantage of these discounts:

  • Multipolicy discount. Combine your home, auto and motorcycle policies.
  • Multivehicle discount. Insuring more than one motorcycle on the same policy will bring savings.
  • Safety course discount. Take an approved safety course to bring the cost of your premium down.
  • Theft-recovery discount. Get a 20% discount for having a radio or GPS theft-recovery system professionally installed.
  • Riding association discount. Membership in a motorcycle association gets you a discount.
  • Antilock brake discount. Save 5% if your bike has a factory-installed two- or three-wheel anti-lock braking system.
  • Homeowner discount. If you own your home, you’ll save money on your motorcycle insurance.
  • Paid in full discount. Paying for a full year upfront saves you 10%.

Pros and cons of MIFB car insurance

Pros

  • Multiple discounts. Allied offers several ways to save money on your insurance.
  • Mobile app. Use the Allied mobile app to manage your policy and make payments.
  • Extra coverage designed for riders. Allied offers coverage beyond the basics, including agreed value replacement, original equipment manufacturer and more.

Cons

  • Not available in every state. Allied services 32 states. If you live in the rest of the country, you’ll have to look elsewhere.
  • No online application. You can’t apply or get a quote online.
  • No app claims. Although Allied has a handy mobile app, you can’t file a claim through it.

How to apply for Allied motorcycle insurance

To get insurance for your motorcycle with Allied, you’ll need to work with an agent. You can find an agent by using its Find an Allied agent tool. Enter your ZIP code or city to get a list of agents near you.

What info do I need to apply?

Before contacting an agent, have the following ready:

  • Current insurance policy, if you have one
  • Driver’s license
  • VIN

How do I make a claim with Allied?

You can begin your claim online by logging into your account, or call Allied at 800-282-1446. Allied recommends having the following information ready:

  • Date and time
  • Location of the incident
  • Names and addresses of any people involved
  • Make, model and license number of all vehicles involved
  • Any injuries
  • Any witnesses or police contacted

Alternatives to Allied

If you’re not in Allied’s service footprint or just want to get a better look at what’s available, you can compare your options by using our guide to motorcycle insurance.

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Geico motorcycle insurance
Optional
Yes
All 50 states
This well-advertised insurer lives up to its reputation with discounts, low rates and no-fuss coverage for bikes.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Allstate motorcycle insurance
Included free
Yes
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.
Esurance motorcycle insurance
Included free
No
Esurance offers discounts and wide motorcycle coverage with tech-focused account management and 24/7 claims.
Farmers motorcycle insurance
Included free
No
Get personalized service, optional coverage packages and rewards for safe driving with Farmers motorcycle insurance.
The General motorcycle insurance
Optional
No
The General offers no-frills motorcycle insurance for drivers who have a hard time getting coverage elsewhere.

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