State Farm Motorcycle Insurance Review

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Contributor, Benzinga
Updated: June 14, 2022
1 Minute Review

With its robust financial ratings, State Farm is one of the most reliable motorcycle insurance carriers in the nation. No matter where you live you can get State Farm coverage because it’s available in all 50 states.

Besides offering exclusive motorcycle coverage options, its online educational resources are incomparable. But if you’re looking for the same extensive list of discounts other carriers make available to its customers, you may be disappointed to learn you won’t find them with State Farm.

Most discounts and coverage levels are not listed on the company’s website, so if you want to know which discounts you’re eligible for, you’ll have to call the company’s customer service support and speak to an agent for personalized attention.

Take the time to compare quotes and options to make sure you’re getting the best rates and coverage for your motorcycle. Weigh the pros and cons with State Farm from our research below.

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Best For
  • Local agents around the nation who offer helpful, personalized service
  • Financial stability and full suite of offerings including bundling for savings
  • Custom bike coverage
  • Safe driver discounts
Pros
  • Accident forgiveness
  • Serves all 50 states
  • In business since 1922
  • Top financial strength ratings from A.M. Best, Moody’s, S&P Global and Better Business Bureau
Cons
  • Website doesn’t give a comprehensive view of motorcycle coverage options and discounts
  • Some discounts may not be available based on where you live
  • Mixed customer reviews and mid-range ratings

State Farm Motorcycle Insurance Ratings at a Glance

Coverage Selection
Pricing
Customer Service
Mobile App
State Farm Insurance Claims
Overall Rating

State Farm is a highly rated carrier that offers insurance products, including motorcycle insurance, through its extensive agent network. While some might enjoy having the advice and assistance of an insurance agent, others may want to buy their motorcycle insurance quickly and hit the open road. Learn more in this State Farm insurance review. 

State Farm Motorcycle Insurance Coverage Selection

State Farm offers extensive information on what you’re buying when you purchase a policy. Plus, it helps to know that there are several layers to these policies that will help you remain both legal and safe on the open road.

In essence, State Farm covers 2 and 3-wheeled motorcycles, including:

  • ATVs
  • Factory-built motorcycles
  • Motor scooters
  • Classic motorcycles
  • Minibikes
  • Custom motorcycles
  • Trail bikes

Generally, State Farm motorcycle insurance covers:

  • Liability coverage — If you’re found to be at fault in an accident, this part covers damage to the property of other parties, including cars and motorcycles. It also covers injuries to other parties. Note that it doesn’t cover injuries to you or any passengers. Liability coverage also doesn’t cover damage to your bike. 
  • Bodily injury — Bodily injury coverage protects you and your passengers in the event of an accident. Moreover, it covers accidents involving uninsured or underinsured motorists.
  • Collision coverage — This coverage does cover damage to your motorcycle if you’re involved in a collision. This—and all other coverages—include attached sidecars.
  • Comprehensive coverage — This part covers damage to your bike from situations other than collisions, including fire, vandalism and theft.—even when the vehicle is in storage.
  • Uninsured/underinsured motorist coverage — This coverage helps if you’re involved in an accident with an uninsured driver or a driver who doesn’t have enough insurance. 
  • Custom parts and equipment — State Farm can cover custom parts and gear, including side cars and protective equipment. If you’re interested in this coverage, be sure to mention it to your insurance agent, as it’s not standard coverage. 
  • Roadside assistance —. Roadside assistance coverage helps you when the bike breaks down and you need to get it going again or must be towed to a mechanic for repairs.
  • Trip interruption — Trip interruption coverage helps cover expenses incurred when your cannot continue your journey due an accident or incident with your motorcycle.

State Farm Motorcycle Insurance Pricing

State Farm doesn’t offer online quotes for motorcycle insurance, but you can initiate the process online. You can get a quote by phone, search for an agent in your ZIP code or simply ask State Farm to have an agent contact you. You can also use its motorcycle insurance ratings page to get a sense of the impact the make and model of your bike will have on your premium. Unfortunately, it doesn’t give specific numbers on how much you’ll save (or how much more you’ll pay) based on the type of bike you have. Your costs will also be influenced by where you live, how much driving experience you have, how much motorcycle experience you have, your driving record and the types of coverage you choose. 

State Farm Motorcycle Insurance Customer Service

The Better Business Bureau has received well over 1000 complaints against State Farm, but consumers should remember that those complaints fall off the BBB’s statistics, so you can see how many were filed in the last year and also in the last 3 years. If you need customer service assistance, your agent should be your first point of contact. If you want to reach State Farm directly, you can call 800-782-8332 or use the mobile app to reach out. You can also contact a captive agent in your community or the agent who wrote your policy.

State Farm Motorcycle Insurance Mobile App

State Farm’s mobile app is highly rated on both the Apple App Store and the Google Play store. You can use the app to pay your motorcycle insurance bill, view your insurance documents, file claims, view your claims status and get roadside assistance. You can also contact your agent through the app. 

State Farm Insurance Claims

State Farm offers multiple options for filing an insurance claim. You can file a claim with the mobile app. The advantage of using the mobile app is that you can easily upload photos and documents. 

You can contact your agent, who can assist you with filing a claim and keep you informed on the status of your claim. 

You can also contact State Farm directly to file a claim by calling 800-732-5246 or by using your online State Farm account.  

State Farm also offers assistance in finding repair shops through its State Farm Select Service program. 

State Farm Motorcycle Insurance Overall Rating

Overall, State Farm offers a range of options for customer service and claims. Its mobile app is handy when you’re on the road, and your agent can help you customize a policy that meets your needs. If you want to buy a policy online, State Farm may not be the best fit. If you prefer personal service or want a company where you can have all your policies in 1 place, State Farm could be a good choice. 

State Farm Motorcycle Insurance vs. Competitors

State Farm offers similar coverage to most of its competitors. It doesn’t appear to offer as many discounts as other national insurance companies, however. It also lacks some of the features its competitors have, including being able to get an online quote. It does have a long, stable history, and its A++ rating from AM Best also sets it apart. 

Frequently Asked Questions

Q
Should I cancel my motorcycle policy in the winter?
A

There’s no real benefit to canceling your motorcycle insurance in the winter. Your insurance company considers where you live when you buy your policy, so those months where riding is minimal are already taken into account.

 

Q
Will State Farm motorcycle insurance cover my passenger’s medical bills?
A

The extent of the policy depends on the type of coverage you have in place. Most states require either medical payment or personal injury protection coverage. Both of these cover the medical bills of your passengers.

 

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