Esurance Motorcycle Insurance

As an Allstate company, Esurance offers affordable motorcycle insurance in 15 states—but not every coverage option is available in every state.
Written by Kathryn Mae Kurlychek
Reviewed by Kathleen Flear
Esurance sells affordable motorcycle insurance in 15 states across the United States. Every policy comes standard with your state’s minimum insurance requirements and Esurance offers a wide variety of additional coverages to help you customize your insurance policy. 
For many motorcyclists, having the right insurance policy is as important as owning proper safety gear and wielding a riding license. But with so many insurers out there to choose from, finding the right policy can feel tricky. 
In this article, we cover the ins and outs of motorcycle coverage with Esurance, including how much it costs, what coverages are available, and how you can save money. Let’s get started. 
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Does Esurance offer motorcycle insurance? 

Yes, Esurance sells motorcycle insurance in addition to car, renters, and homeowners insurance products. 
A standard Esurance motorcycle policy only includes your state’s minimum coverage requirements—although you can purchase add-ons, like
collision coverage
,
comprehensive coverage
, and
uninsured motorist coverage
, to create a more robust policy for your bike. 
A motorcycle insurance policy from Esurance is only available in the following 15 states:
If you don’t live in one of the states listed above, you may not be able to open a motorcycle insurance policy with Esurance. 

Cost 

The average annual cost for motorcycle insurance can range from $250 to $750 or more—but most Esurance motorcycle policies cost around $400
Esurance tends to offer lower rates than many of its competitors. But exactly what you pay will come down to personal factors, like your demographics, claims history, discount eligibility, and location. The best way to find out what an Esurance motorcycle policy will cost you is by calling an agent at 1-800-876-5581 or
visiting the company’s website

Coverage options

Although most standard policies are limited to your state’s minimum insurance requirements, Esurance offers a wide variety of add-ons that can allow you to customize your insurance to your liking. The table below summarizes the coverage options available for motorcycles through Esurance. 
Coverage
Description
Example
Included automatically?
Do I need it?
Pays for medical expenses to others if you’re at fault in an accident.
You run a red light and crash into another rider, who sustains a concussion. Esurance will pay their medical bills up to your policy’s bodily injury liability limit. 
Yes
In most states, bodily injury liability coverage is required by law. 
Covers the cost of repairs to other driver’s vehicles if you’re at fault in an accident.
You lose control of your motorcycle and crash into another rider, damaging their bike. Esurance will cover the cost of repairs up to your policy’s limit. 
Yes
In every state (except Florida), property damage liability coverage is required by law. 
Covers the cost of repairs to your own motorcycle if it’s damaged in an accident.
You run into the highway guardrail and mangle your handlebars. Esurance pays for the cost of repairs. 
No
This type of coverage is optional, but it’s a good idea for riders to carry it.
Covers the cost of repairs to your motorcycle for damage not due to a collision, such as vandalism, weather damage, etc. 
You’re caught in a hail storm, which causes damage to the exterior of your bike. Esurance will compensate you for the cost of associated repairs. 
No
This type of coverage is optional, but it’s a good idea for riders to carry unless your bike is very old or holds little value. 
Kicks in if you’re in an accident with another driver who lacks sufficient insurance coverage to pay for repairs, lost wages, medical expenses, and more. 
A car hits you, but the driver doesn’t have liability insurance. Unless they pay your damages out of pocket, Esurance will help cover your costs up to your policy’s limit. 
No
Uninsured motorist coverage is required by law in some states. But even where it isn’t, it’s probably worth investing in, as nearly 13% of drivers are uninsured or underinsured.
Provides additional coverage for medical expenses to you and your passengers following an incident, regardless of who is at fault.
Your friend is riding behind you and falls off your bike, breaking their collarbone. Esurance will cover their medical bills up to the limits specified by your policy. 
No
In most states, this type of coverage is optional—but it’s a good idea for riders who don’t have healthcare or in areas where healthcare costs are high.
Optional Equipment
Provides additional coverage up to $30,000 for additions made to your motorcycle.
You run into a highway guardrail and mangle your custom handlebars. Esurance covers the cost of repairing or replacing the custom parts up to your policy’s limit. 
No
If you have added equipment to your bike that isn’t factory standard, this type of insurance will help keep it insured.
Total Loss Coverage
Covers the full manufacturer’s suggested retail price for a new bike if yours is totaled
You purchased a brand-new motorcycle for $25,000 only to total it six months later. Esurance provides compensation to help you replace the exact make and model of your totaled bike. 
No
If you just bought an expensive new bike, this coverage is a good idea. 
Pays for the cost of towing in the event of a mechanical breakdown.
You’re on a weekend cruise when your motorcycle breaks down, leaving you stranded. Esurance helps you get your bike towed, and covers the cost of the tow and associated labor up to your policy’s limit. 
No
While this type of coverage is optional, it can be a great safety net. 
Trip Interruption
Pays for the cost of motorcycle breakdowns or repairs while you’re on a road trip up to $500 per incident.
You’re on a cross-country road trip when you experience a breakdown that makes your bike undrivable. Esurance will compensate you while your bike is being repaired up to $100 for a hotel, $50 for taxi transport, and $50 for food per day. 
No
If you take frequent road trips on your motorcycle, this type of coverage is worth it for added peace of mind. 
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Note that not every coverage listed in the table above is available in every state serviced by Esurance. Make sure to contact an agent to discuss what coverage options are available in your area. 

How to save on Esurance motorcycle insurance

Esurance’s wide variety of discounts is one of the things that sets the company apart. If you’re looking for ways to save on a motorcycle insurance policy with Esurance, check out the list below to learn more about their most popular discounts: 
  • Association discount: Policyholders who are members of an approved motorcycle association may qualify for a discounted rate. 
  • Anti-lock brakes discount: Riders who own a motorcycle equipped with anti-lock brakes can earn a discount on their insurance policy.  
  • Homeowners discount: Policyholders who are also homeowners may qualify for a lower rate.
  • Multi-policy discount: If you have another type of insurance policy through Esurance, such as a car insurance policy, you can bundle and save with a discounted rate on each.
  • Multi-vehicle discount: If you have multiple types of bikes (e.g. a motorcycle and an ATV), you can bundle both on the same policy to earn a discounted rate.
  • Paid-in-full discount: Choosing to pay your premium in full rather than in monthly installments can earn you a lower overall rate. 
  • Recovery device discount: Installing anti-theft devices on your motorcycle can help you qualify for a lower rate. 
  • Responsible driver discount: Drivers who remain accident and claims-free for two years or longer can earn a discount on their premium. 
  • Safety course discount: Taking a bike safety course approved by Esurance can earn you a discount on your policy. 
  • Switch-and-save discount: Riders who switch from another motorcycle insurance provider to Esurance can save up to 15% on their new policy. 

The cheapest motorcycle insurance companies

With a range of coverages to choose from and a long list of available discounts, Esurance is an affordable motorcycle insurer for many—but it’s not the only company out there to offer cheap coverage. Here are some other popular insurers among motorcyclists: 
  • Best all-around:
    Progressive
    ($25 to $52/month) 
  • Best for sport bikes:
    GEICO
    ($28 to $51/month) 
  • Best for high-value bikes: Markel ($35 to $69/month) 
  • Best for teens:
    Dairyland
    ($22 to $74/month) 
  • Best for collectors:
    Nationwide
    ($49 to $55/month)
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FAQs

The cost of a motorcycle insurance policy through Esurance is about the same as with Allstate. Given that Allstate owns the Esurance company, both companies share roughly the same discounts, coverage options, and premium prices.
Yes, insuring a motorcycle is generally cheaper than insuring a car. In most cases, a motorcycle can be insured for under $1,000 a year, while the average car insurance policy is around $1,600 per year. Other factors (like your demographics, discount eligibility, and driving history) can impact exactly what you pay to insure your vehicle.
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