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 Reviews.com, as well as Finder’s YouTube channel. Sarah is working to become a Certified Educator in Personal Finance (CEPF).
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:
Go to the State Farm motorcycle insurance home page.
Enter your ZIP code under the Find an Agent section and click Go.
Choose a local agent near you.
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
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
Pros
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.
Cons
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
State Farm includes services for auto, home and property, life, health, mutual funds and personal banking.
Your application process might require a personal agent, but State Farm gives you quicker options for filing a claim:
Online. Submit a claim on State Farm’s website by choosing the Start a Claim option.
Mobile app. Report your claim details directly from your phone at your convenience.
Phone. Call 800-732-5246 to file a claim at any time, day or night.
Local agent. Like the local feel? Contact your area representative for a more personal claims experience.
Your coverage is effective once you receive your proof of insurance. If you selected your policy to start at a later date, coverage takes effect on that date. You can view your proof of insurance online.
Current auto insurance customers can receive a quote for another vehicle by logging into their online account. Once logged in, select your current policy and click Quote/Replace a Vehicle. Your local agent is notified with the request.
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.
At Finder, we value and respect our editorial independence. We keep our reviews completely factual so you can use them to make better decisions. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews.
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