Skip to Main Content

Start Of Main Content

State Farm® Motorcycle Insurance

State Farm offers motorcycle insurance for two- and three-wheeled motorcycles licensed for use on public roads. While some companies charge extra for certain motorcycle coverage, you get more with us without paying more.

For a quote, call 844-242-1899 844-242-1899

 

What Sets State Farm Insurance Apart

  • You get personalized service from any of our 19,000 agents nationwide – chances are there's one near you. Check out these motorcycle riding tips.
  • You get the same reliable service from the largest auto insurance provider in the U.S.1
  • You get your claim handled promptly and reliably.
  • You may be eligible for 24/7 roadside assistance coverage.

Contact a local
State Farm Agent

 
 

What Motorcycle
Insurance Covers

From bodily injury and property damage to theft and emergency expenses, our motorcycle insurance offers more coverage options so you only need to add extra coverage if you need it. What do we cover?

 
  • Bodily injury to someone else or damage to someone else's property for which you are legally responsible while riding your motorcycle,
  • Bodily injury to yourself because of an accident with an uninsured motorist,
  • Damage to your motorcycle caused by an accident,
  • Theft, fire, vandalism, and other losses — even while your motorcycle is in storage for the winter,
  • Attached side cars,
  • Emergency roadside expenses,
  • Damage to protective gear, and
  • Trip interruption expenses.

You might want to check out our motorcycle insurance rating tool. Every year we use our extensive claims data to implement motorcycle insurance ratings for specific makes and models. With this tool, you’ll be able to see how a specific make, model and type of motorcycle will affect costs (for most 2013-2020 models). You can also get a motorcycle insurance quote by calling us at 844-242-1899.

Types of
Motorcycles Insured

State Farm offers motorcycle insurance for multiple bike types, including recreational vehicle policies for multiple sports and leisure types like ATVs.

  • Factory-built motorcycles,
  • Motor scooters,
  • Classic motorcycles,
  • Minibikes,
  • Custom motorcycles, and
  • Trail bikes.

Should I cancel my motorcycle policy in the winter?

Our motorcycle rating plan takes into account the seasonality of motorcycles, so cancelling your policy in the winter does not provide much benefit. In addition, even though you don't ride your motorcycle year-round, you may still need insurance to protect it while it's in storage. Talk to your State Farm agent for more information.

Can you get motorcycle insurance without a license?

All drivers must have a current, valid driver’s license to drive the type of vehicle they intend to operate.



Does my motorcycle insurance cover custom parts and equipment?

Custom parts and equipment, like a side car or protective gear, can be covered if they're included in your insurance policy. Your State Farm agent can help you document your custom parts and equipment so you’ll know they're covered in case of an accident or theft.

How much will motorcycle insurance cost?

Your premium for motorcycle insurance will depend on many factors. Where you live, your driving record and how much your bike costs to replace will impact the cost of motorcycle insurance. And of course the coverage you select plays an important role in premium costs. Contact a State Farm agent or call to get a quote for your motorcycle.

Filing a Claim

When accidents happen, we want to make it easy for you to file a claim or check on its status.

Start a Claim

Select a Product

Check the status of a claim

Finding a Local
Repair Shop

The State Farm Select Service® program is a network of auto repair shops that offers a range of claim service options for vehicle estimates and repairs.

Locate a Repair Shop

 
1 Data provided by S&P Global Market Intelligence and State Farm Archive.

This is only a general description of available motorcycle insurance coverage and is not a statement of contract. All coverages are subject to policy provisions and applicable endorsements. For further information and motorcycle insurance quotes, see your State Farm agent.

State Farm Mutual Automobile Insurance Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX

State Farm Indemnity Company
Bloomington, IL