State Farm vs Allstate Motorcycle Insurance: Who Offers Better Full Coverage Rates? (2026 Guide)
**Introduction
Choosing the right motorcycle insurance policy is a critical decision for riders in the United States.** Whether you’re a daily commuter or a weekend adventure seeker, full coverage motorcycle insurance protects you legally and financially in the event of an accident, theft, or other unexpected losses. In the crowded landscape of U.S. insurers, two of the biggest names stand out: State Farm and Allstate. Both companies offer motorcycle insurance policies, but which one actually delivers better full coverage rates, service quality, and overall value? In this comprehensive guide, we’ll break down every aspect of the comparison to help you make an informed choice. (thezebra.com)
Table of Contents
What Is Full Coverage Motorcycle Insurance?
Why Insurance Comparison Matters
State Farm Motorcycle Insurance Overview
Allstate Motorcycle Insurance Overview
Head‑to‑Head: Coverage Options
Head‑to‑Head: Rate Comparison
Discounts & Savings Opportunities
Claims Experience & Customer Satisfaction
How to Get the Best Quote
Frequently Asked Questions (FAQs)
Final Verdict: State Farm or Allstate?
1. What Is Full Coverage Motorcycle Insurance?
Full coverage motorcycle insurance typically includes:
Liability coverage (bodily injury and property damage you cause to others)
Collision coverage (damage to your bike in a crash)
Comprehensive coverage (theft, vandalism, fire, etc.)
Uninsured/Underinsured Motorist coverage
These elements protect you from both liability and physical loss. Without full coverage, owners risk paying out of pocket for major accidents or theft losses.
If you’re unsure what coverage types you need, check out our guide “Complete Motorcycle Insurance Coverage Explained” on AutoReviewUS.com (internal link).
2. Why Insurance Comparison Matters
Insurance isn’t one‑size‑fits‑all. Rates can vary wildly based on:
Rider age and experience
Type of motorcycle
Riding location
Driving history
Credit history
Comparison shopping is essential — and both State Farm and Allstate operate nationwide, making them common starting points for rate seekers. (Insurance Tips Usa)
3. State Farm Motorcycle Insurance Overview
 |
| State Farm Motorcycle Insurance |
State Farm has been one of America’s most trusted insurers since 1922 and offers motorcycle insurance through a nationwide network of agents. (Wikipedia)
Key Strengths
Large agent network: With thousands of local agents offering personalized guidance. (State Farm)
Competitive rates: Especially for riders with clean records. (thezebra.com)
Flexible coverage: Available for many motorcycle types including cruisers, sport bikes, touring bikes, and more. (State Farm)
Roadside assistance and add‑ons: Options may include emergency roadside coverage and trip interruption benefits on most policies. (State Farm)
State Farm’s motorcycle coverage also offers protection while your bike is in storage and includes uninsured motorist protection, which is critical given high uninsured driver rates in many states. (State Farm)
Tip: If you ride multiple bikes, State Farm allows you to bundle multiple motorcycle policies for additional savings.
4. Allstate Motorcycle Insurance Overview
 |
| Allstate Motorcycle Insurance |
Allstate is another major insurer offering motorcycle insurance across the U.S., known for its robust online and digital tools.
Key Strengths
Full‑service coverage: Includes liability, collision, and comprehensive.
Customization perks: Add‑ons like new motorcycle replacement may be available. (WorldReview1989)
Digital tools and telematics: Allstate offers online quoting and digital ID cards.
Early sign‑up and responsible payer discounts to reward good policy behavior. (WorldReview1989)
Allstate’s brand recognition and comprehensive coverage options make it a good choice for riders who value digital convenience and optional extras.
5. Head‑to‑Head: Coverage Options
Both insurers provide core full coverage, including:
Liability
Collision
Comprehensive
Uninsured/Underinsured motorist
But there are differences:
| Feature | State Farm | Allstate |
|---|---|---|
| Core Coverage | ✔ | ✔ |
| Custom Parts Coverage | Limited | ✔ (stronger options) (WorldReview1989) |
| OEM Parts Replacement | ✘ | ✔ (WorldReview1989) |
| Roadside Assistance | ✔ | ✔ (WorldReview1989) |
In summary, Allstate may provide more customization and add‑ons, while State Farm focuses on core coverage with strong agent support.
6. Head‑to‑Head: Rate Comparison
While individual quotes vary, aggregated data and industry estimates indicate:
Typical Premium Ranges (USA averages)
| Rider Skill | State Farm | Allstate |
|---|---|---|
| Young Rider | ~$380–$620 | ~$420–$680 (WorldReview1989) |
| Experienced | ~$260–$420 | ~$290–$460 (WorldReview1989) |
| Sport Bike | Moderate | Higher (WorldReview1989) |
State Farm is often cheaper overall — especially for standard motorcycles and riders with clean histories — while Allstate’s premiums trend higher due to optional features. (WorldReview1989)
👉 According to Allstate’s own data, the average full coverage motorcycle insurance cost hovers around $148 per month, though this varies by rider and region. (Allstate)
7. Discounts & Savings Opportunities
Both companies offer ways to lower premiums:
State Farm Discounts
Multi‑policy bundling
Safe riding history
Motorcycle safety course discounts
Loyalty or long‑term customer bonuses (WorldReview1989)
Allstate Discounts
Responsible payer program
Early sign‑up discount
Anti‑theft device discount
Multi‑policy bundle incentives (WorldReview1989)
Generally, State Farm offers more traditional savings through agent work, whereas Allstate emphasizes digital and habits‑based programs.
8. Claims Experience & Customer Satisfaction
Insurance is more than rates — claims experience matters.
Third‑party comparisons show:
State Farm often scores higher in customer satisfaction and claims service (based on industry surveys). (Insurance Tips Usa)
Allstate has mixed reviews but strong digital claim tools.
According to some industry data, State Farm tends to have better satisfaction scores, though your mileage may vary by state or agent experience. (Insurify)
9. How to Get the Best Motorcycle Insurance Quote
Define Your Coverage Needs — liability, collision, comprehensive amounts.
Collect Multiple Quotes — don’t rely on a single provider.
Ask About Discounts — safe rider courses, bundling, anti‑theft devices.
Check Online Tools vs Agent Advice — some savings may only apply through agents.
Revisit quotes annually — rates change with riding history.
10. Frequently Asked Questions (FAQs)
Q: Which company is cheaper for full coverage motorcycle insurance?
A: On average, State Farm tends to offer lower full coverage rates in many rider profiles. (WorldReview1989)
Q: Does Allstate offer better coverage add‑ons?
A: Yes — Allstate often includes more customization options like OEM replacement and advanced features. (WorldReview1989)
Q: Should I bundle motorcycle and auto insurance?
A: Always ask both providers — bundling often yields significant savings.
11. Final Verdict: State Farm or Allstate?
| Category | Winner |
|---|---|
| Price / Rates | State Farm |
| Customization & Features | Allstate |
| Agent Support | State Farm |
| Digital Tools | Allstate |
| Claims Satisfaction | State Farm |
Overall: State Farm usually offers better full coverage rates and stronger agent support, while Allstate can be a great option for riders who want more customizable features and digital conveniences.
External and Internal Resources
External: Learn more about full coverage options with insurance basics on Insurify’s Motorcycle Insurance Guide. Motorcycle Insurance Insights on Insurify
Internal: For related tips on choosing the right insurance plan, see WorldReview1989.com’s article about motorcycle insurance comparisons. State Farm vs Allstate Motorcycle Insurance (WorldReview1989)
Internal: Explore tools and rate checking suggestions on AutoReviewUS.com.
Wrap‑Up
Choosing between State Farm and Allstate motorcycle insurance depends on your priorities: cost savings, coverage flexibility, or digital ease. Shopping around and understanding full coverage needs will empower you to find the best protection for you and your bike.
Ready to start saving on motorcycle insurance? Compare quotes from both insurers and others to find your best rate today.