State Farm motorcycle insurance review Jul 2022

Bundle bike coverage for custom bikes, riding gear, sidecars and more.’s rating: 4 / 5.0


  • Get a quote if you like personal customer service.
  • Pick something else if you want a wide array of add-ons.
  • Safe riders may qualify for discounts.


Roadside assistance

Accident forgiveness


States served All 50 states
Roadside assistance Optional
Pay schedule 6 months, monthly
Claims methods online, email, phone, in-person
Accident forgiveness Yes (being loyal and accident free for at least 9 years)


  • Local agents
  • Variety of services
  • Established company
  • Custom bike coverage
  • Safe driver discounts


  • Discounts vary based on state
  • Mixed customer reviews

Review by

Sarah George is a staff writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

State Farm offers several options for motorcycle insurance coverage that you can discuss with a local agent. The company is well-established in the insurance industry, making it a financially stable choice. You’ll find wide perks and coverage for motorcycles or for bundling other vehicle types.

But you might need to talk to an agent to find out if every coverage type and discount is available in your area. And watch out for the mixed reviews, which show an only average customer satisfaction rate.

How do I get a quote for State Farm motorcycle insurance?

The company keeps its application process simple and straightforward. Call for a quote or find the local agent closest to you.

Local agent. Here’s how to find a local State Farm agent:

  1. Go to the State Farm motorcycle insurance home page.
  2. Enter your ZIP code under the Find an Agent section and click Go.
  3. Choose a local agent near you.
  4. Call or visit in person using the address and phone number listed.

Phone. To speak with a professional without using a local agent, call 833-354-3909.

What info do I need to apply?

Since you’ll be speaking with an agent, make applying faster with several key pieces of information:

  • Home address
  • Phone number
  • Driver’s or motorcycle license
  • Motorcycle details, such as make, model and license plate number
  • Driving history
  • Coverage of choice or questions
  • Payment information

What motorcycle insurance discounts can I get with State Farm?

Unfortunately, State Farm’s not very transparent with bike discounts. A State Farm agent can give you the rundown on discounts you may qualify for. Examples of discounts that might be available include:

  • Multi-bike. Insure more than one bike and get a discount.
  • Antitheft devices. Protect your motorcycle from theft and potentially receive a discount as a reward.
  • Responsible driver. Keep yourself accident free on the road.
  • Safety training course. Complete a safety course for extra protection and insurance savings.
  • Home ownership. Get a bonus for owning your home instead of renting.

What motorcycle insurance coverage can I get with State Farm?

State Farm offers the most basic coverage you’d expect anywhere, including:

  • Liability. Pay for damages to someone else’s vehicle or bodily injuries when you’re legally responsible.
  • Collision. Cover damage to your motorcycle caused by an accident.
  • Comprehensive. Protect your motorcycle from theft, fire, vandalism and other non-collision accidents. This coverage applies even when your bike is in storage.
  • Uninsured/underinsured motorist. Get medical expenses covered when you’re hit by an uninsured or underinsured motorist.

What extra benefits and add-ons does State Farm offer?

The company also offers several benefits to their motorcycle coverage, such as:

  • Customized bikes. Get coverage for motorcycle upgrades like equipment or new paint.
  • Sidecars. Find extra protection for sidecars attached to your ride.
  • Emergency roadside expenses. Pay for towing and other services when you break down on the road.
  • Protective gear. Cover damaged gear that protects you during an accident, such as a helmet.
  • Trip interruption. Don’t worry about unexpected trip expenses when your motorcycle breaks down away from home.

Alternatives to State Farm

1 - 6 of 6
Name Product Roadside assistance Accident forgiveness Available states
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 State Farm cover?

State Farm offers coverage for several types of bikes:

  • Classic motorcycles
  • Custom bikes
  • Factory-built motorcycles
  • Mini bikes
  • Motor scooters
  • Trail bikes
  • Two-wheeled motorcycles
  • Trikes or three-wheeled motorcycles

Pros and cons of State Farm motorcycle insurance


  • Personalized service. The company uses local agents to keep customer service personal and helpful.
  • Established company. State Farm has offered insurance products for decades, making it a well-known, financially stable choice.
  • Variety of services. The company covers many insurance needs so you can bundle all in one place.
  • Custom bike coverage. State Farm offers coverage for bikes that you’ve customized for your enjoyment.
  • Safe driver discounts. You may qualify for rewards based on your safe driving history and safety course education.


  • Few details listed. The company’s website doesn’t give a comprehensive view of its motorcycle coverage and discounts. However, this fact fits State Farm’s personalized, local agent service.
  • Discount availability. Some discounts may or may not be available, depending on your area.
  • Mixed customer reviews. Consumer sites show the company ranking in the middle of the pack. But State Farm has a wide customer base, opening it up to some expected negative reviews.

Frequently asked questions about State Farm 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.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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