Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

State Farm motorcycle insurance review Oct 2020

Last updated:  

Bundle bike coverage with other insurance needs — custom bikes included.’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


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

Expert review

Sarah George

Review by

Sarah George is a 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.

What motorcycle insurance coverage can I get with State Farm?

State Farm claims to offer extra coverage as part of its standard policies. Coverage includes:

  • 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 can I get?

The company 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.

What motorcycle insurance discounts can I get with State Farm?

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 possible bonus for owning your home.

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.


  • Not all options 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.

Alternatives to State Farm

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Yes (earned after 3 years with no accidents and 4 years of loyalty)
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.
Esurance motorcycle insurance
Included free
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
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.
The General motorcycle insurance
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.

Compare up to 4 providers

How do I apply 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

How do I make a claim with State Farm?

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.

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.

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