State Farm provides comprehensive motorcycle insurance coverage, which includes coverage for custom parts and equipment valued up to $3,000. State Farm offers motorcycle insurance in addition to car insurance.
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Although State Farm does not provide quotes online, you can contact a State Farm agent at 833-322-1986 to obtain a quote for basic liability insurance costs.
When requesting a quote, you will need to provide information such as your motorcycle’s make, model, year, and vehicle identification number (VIN).
State Farm Motorcycle Coverage
State Farm motorcycle insurance generally includes:
– Liability coverage: This covers damages to other parties’ property and injuries to them if you’re deemed at fault in an accident. However, it does not cover injuries to you, passengers, or damage to your motorcycle.
– Bodily injury coverage: Protects you and passengers in accidents, including those involving uninsured or underinsured motorists.
– Collision coverage: Covers damage to your motorcycle in case of collisions, including attached sidecars.
– Comprehensive coverage: Covers non-collision damage such as fire, vandalism, and theft, even during storage.
– Uninsured/underinsured motorist coverage: Helps in accidents with uninsured or underinsured drivers.
– Custom parts and equipment: Covers custom parts, gear, sidecars, and protective equipment; it’s optional and requires specific mention to your agent.
– Roadside assistance: Helps in breakdowns, towing, and getting your motorcycle operational again.
– Trip interruption: Covers expenses if your journey is disrupted due to an accident or incident involving your motorcycle.
State Farm Motorcycle Insurance Cost
The cost of motorcycle insurance, like other insurance types, is influenced by various factors such as age, gender, driving record, motorcycle type, location, and desired coverage level.
In 2020, the average annual motorcycle insurance cost was $1,173.
Although State Farm does not offer motorcycle insurance quotes online, they will connect you with one of their agents to provide a quote after collecting required information.
State Farm is among the top-rated auto insurance companies nationally.
Factors Affecting Cost of State Farm Insurance
Similar to auto insurance, numerous key factors influence the cost of motorcycle insurance. Alongside your chosen coverage amount and deductible, the following variables play significant roles in determining your motorcycle insurance premium:
– Type of Motorcycle: Different types of motorcycles such as sport bikes, cruisers, and touring bikes come with varying insurance costs. State Farm provides a useful motorcycle insurance rating tool to estimate your bike’s insurance cost.
– Location: Insurance regulations and motorcycle safety standards vary by state, impacting insurance premiums. Accident and theft rates in your area also influence your insurance rates.
– Rider’s Age: Experience plays a role in insurance costs; more experienced riders typically pay lower premiums. Similar to car insurance, younger riders generally face higher rates.
– Driving Record: Traffic violations while riding a motorcycle or driving a car can increase insurance rates.
– Safety Training: Many insurers offer discounts to riders who complete safety courses within a specified timeframe.
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