Allied motorcycle insurance review Jan 2022

Backed by Nationwide, Allied 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


States served Arizona, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
Roadside assistance Included free
Pay schedule 12 months, 6 months
Claims methods online
Accident forgiveness No


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


  • No online quote
  • No online account management

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.

How do I 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

What motorcycle insurance 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%.

What motorcycle insurance coverage does Allied offer?

Allied offers all of the standard coverage, 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 for bikes?

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.

Alternatives to Allied

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
The AARP Auto Insurance Program from the Hartford
On the first accident
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.

Compare up to 4 providers

What types of motorcycles does Allied cover?

In addition to traditional motorcycles, Allied also covers:

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

Pros and cons of Allied car insurance


  • 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.


  • 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 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

Frequently asked questions about Allied

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site