Farmers motorcycle insurance review Jan 2022

Bundle add-ons and get personalized customer service for your ride’s rating: 3.5 / 5.0


  • Get a quote if you want personalized service with convenient add-on packages
  • Pick something else if you prefer more options for a customized policy
  • Safe drivers get rewarded for their efforts

Included free

Roadside assistance

Accident forgiveness


States served All 50 states
Roadside assistance Included free
Pay schedule monthly, custom
Claims methods online, phone
Accident forgiveness No


  • Personalized customer service
  • Convenient coverage packages
  • Safe driver discounts
  • Established, stable company


  • Coverage options vary
  • Online claims only

Review by

Sarah George is an insurance writer at Finder who’s penned over 400 articles, unraveling complicated topics about car, home and life insurance. Her insurance know-how has been featured in online publications, including Breeze, CBS, CNET and, as well as Finder’s YouTube channel. Sarah is working to become a Certified Educator in Personal Finance (CEPF).

Expert review

Farmers Insurance provides a wide variety of coverage that includes many optional bundles, such as gear coverage and trailer coverage. You can also get service from a local agent for a personalized experience, though some customer reviews are mixed about Farmers’ support overall.

However, you’ll need to verify that certain coverage options are available in your area, and competitors may offer more motorcycle insurance add-ons.

How to apply for Farmers motorcycle insurance

Farmers Insurance gives you the option of applying online, by phone or through a local agent.


  1. Go to Farmers’ quote page on its website.
  2. Select the type of quote and enter your zip code, then click Start my quote.
  3. Enter your personal information, motorcycle information and driver details.
  4. Fill in further information to see your eligibility for discounts.
  5. Confirm your details, view your quote and choose coverage.

Phone. Speak directly with a representative at 888-327-6335. Phone service hours are Monday to Friday from 7 a.m. to 11 p.m. and Saturday and Sunday from 8 a.m. to 8 p.m. CT.

Local agent. Find a local agent by searching for your location on the Farmers website from the Find an agent page.

What info do I need to apply?

Keep this information close by when applying for your motorcycle insurance:

  • Home address, phone number and date of birth
  • Driver’s or motorcycle license number
  • Motorcycle details — such as make, model and license plate number
  • Driving history
  • Choice of coverage
  • Payment information

What motorcycle insurance discounts can I get with Farmers?

You can qualify for savings in one or more ways:

  • Affinity group. Find out if you’re a member of an approved group that partners with Farmers Insurance.
  • First accident waiver. Maintain a safe driving record and get your first accident after your claims-free period waived.
  • Other than collision deductible waiver. Get a $500 deductible waiver for installing an approved theft recovery system.
  • Additional medical payments coverage. Use a DOT-approved riding helmet.
  • Safety course. Complete an approved motorcycle safety course.
  • Airbags. Get a discount if your motorcycle has an airbag installed.
  • Antilock brakes. Make sure your bike has ABS brakes for safety and savings.
  • Multi-policy. Purchase more than one insurance policy with Farmers.
  • Multi-unit. Insure two or more motorcycles on the same policy.
  • Prior insurance. Save if you haven’t had a gap in coverage.
  • Policy renewal. Save money by renewing with Farmers year after year.

What motorcycle insurance coverage does Farmers offer?

Farmers Insurance provides standard coverage to protect you from the risks of the ride.

  • Liability. Pay for repairs to another driver’s vehicle or for bodily injuries for an accident where you’re at fault.
  • Collision. Get your motorcycle repaired after you hit another vehicle or object.
  • Comprehensive. Cover accidents that don’t involve the usual vehicle collisions — such as theft, storms or falling tree branches.
  • Uninsured and underinsured motorist. Get protection from drivers who don’t have enough insurance to pay for your damages.
  • Medical payments. Cover expensive medical payments related to a motorcycle accident.

What extra benefits and add-ons can I get for my bike?

The company features several Motorcycle Choice options that bundle popular features into one package. You can also customize the package further with add-ons:

  • Saver package. Get first accident forgiveness, plus $500 of safety apparel coverage.
  • Plus package. Receive trip interruption, towing, roadside assistance, $3,500 for optional equipment, $1,500 for safety apparel and total loss replacement for up to two years at new motorcycle value.
  • Elite package. Get diminishing deductible and waiver, enhanced rental coverage, $2,000 for personal effects, $2,500 for safety apparel and $5,000 for optional equipment. Plus, receive total loss replacement for up to five years at new motorcycle value.
  • Vintage package. Protect your vintage bike with increased coverage specialized just for it. This applies to well-maintained bikes that are older than 25 years.
  • Custom package. Cover limited-edition motorcycles or those that have over $30,000 worth of optional equipment.
  • Low-speed package. Save money on your low-power motorcycles that are driven around neighborhoods and private roads.
  • Increased liability. Protect yourself from damages to another driver or vehicle with raised limits.
  • Equipment coverage. Purchase up to $15,000 of optional equipment coverage.
  • Transport trailer. Cover your bike trailer for damages up to $7,500.

Alternatives to Farmers Insurance

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

Pros and cons of Farmers motorcycle insurance


  • Local agents. Farmers Insurance has over 50,000 agents located across the US.
  • Coverage bundles. Save the hassle of piecing your policy together with one of the Farmers motorcycle packages.
  • Safe driver rewards. Enjoy rewards for safe driving, including first accident forgiveness and safety course completion.
  • Established company. Farmers has helped people with insurance for over 90 years, showcasing its stability as a company.


  • Coverage options vary. Not all coverage and discounts are available in every region.
  • Online claims only. The main method customers can file claims is using the Farmers online claims process. You can, however, contact customer service with questions.

How to make a claim with Farmers

Report an accident at your convenience using the online claims center. While you can only file a claim online, you can use Farmers online chat or call an agent to check your claim status.

  • Online. File a claim online in three ways: log in to your customer account, use your policy number or file as a guest on the Farmers website.
  • Live chat. Ask questions about your claim by clicking the live chat feature on the claims page.
  • Phone. Contact customer service with your claims questions 24/7 at 800-435-7764.

Frequently asked questions about Farmers motorcycle insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

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Learn the details of our methodology and scoring.

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