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LAST UPDATED: March 17th, 2021

From classic and custom motorcycles to motor scooters and trail bikes, State Farm offers competitive motorcycle insurance coverage.

Choosing State Farm, you'll benefit from dedicated service from agents and helpful online resources. Through the insurance company's website, it's easy to find local agents and repair shops that participate in the State Farm Select Service Program. 

You can also view how different makes and models are ranked for pricing online. However, online quotes are not available.

Read State Farm Motorcycle Insurance Reviews

Top Ranked Companies


The Good

  • Competitive Coverage
  • Online Motorcycle Ranking Tool
  • Helpful Network Repair Shop Locator
  • High Financial Strength Ratings

Competitive Coverage

State Farm offers competitive coverage with its policies, so you can find the coverage you need. Its coverage options include the following:

  • Liability (bodily injury and property damage)
  • Uninsured motorist bodily injury
  • Collision (damage from an accident)
  • Comprehensive (damage from many non-collision events including while motorcycle is in storage)
  • Attached side cars
  • Damage to protective gear
  • Emergency roadside assistance
  • Trip interruption
  • Custom parts and equipment

Online Motorcycle Ranking Tool

State Farm offers a helpful research tool that allows you to understand how different motorcycle makes and models affect insurance rates for comprehensive, collision, and liability coverage. You can see which models offer the most savings and which ones offer the least.

This tool makes State Farm's website an especially helpful research tool, since similar tools aren't offered by every motorcycle insurer. If you're preparing to buy a motorcycle, you can start to get a sense of how the insurance costs compare to other motorcycles.

The main drawback to this tool is that its information does not apply to Massachusetts or North Carolina.

Helpful Network Repair Shop Locator

Through the State Farm Select Service program, you can access a network of auto repair shops. These shops offer estimates and complete repairs. 

You can view repair shops near you from a tool on State Farm's website, which makes it easy to find the help you need.

While this kind of service isn't unheard of in the auto insurance industry, it isn't as commonly mentioned by motorcycle insurance companies. State Farm stands out in the industry by offering this helpful tool.

High Financial Strength Ratings

State Farm is a reliable insurance company. It has stood the test of time and has received high financial strength ratings from A.M. Best.

High financial strength ratings are key when choosing an insurer because they show that an insurance provider is financially stable and likely to be able to make claims payments. Most competitive insurers have high financial strength ratings.



The Bad

  • Insufficient Customer Reviews
  • No Online Quote
  • Limited Online Discount Information

Insufficient Customer Reviews

State Farm motorcycle reviews are limited on Additional reviews would give a better sense of customer satisfaction levels and what it's like to be a State Farm motorcycle insurance policyholder.

No Online Quote

State Farm does not offer online quotes for motorcycle insurance. Instead, you have to call or connect with a local agent to buy a policy. 

While this lack of online quotes can be inconvenient, it can be beneficial to work with a licensed insurance agent. State Farm makes it easy to find local agents and appropriate contact information on its website.

Limited Online Discount Information

Unlike some other motorcycle insurance companies, State Farm does not offer information about discount opportunities online. Ask about discounts when you talk to an agent for more policy information.

Although there is limited information regarding discounts, State Farm's insurance rates take winter storage habits into consideration. This consideration means that you can save money and maintain your policy when your bike is in storage.


The Bottom Line

While offering more information on discounts and quotes online would be more convenient, State Farm's motorcycle insurance policies are worth considering. 

The company has high financial strength ratings, which shows it is a reliable insurance carrier. You'll also find competitive coverage for many types of motorcycles.

You can benefit from State Farm's online resources that help you locate insurance agents and repair shops in your area. These tools make it easy to connect with services you need.

State Farm stands out for its online ranking tool that provides information about how the insurance rates for a specific make and model compare to rates for others in the same category. This tool is especially helpful if you're shopping for a motorcycle and want to get a sense of insurance costs.

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Sarah Russie Clearfield, UT

Good customer care. Quality insurance. More pricey, though. They tend to be good at taking care of customers and claims, though. Good company for a little more money.

3 years ago