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
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. | |
Medical payments (MedPay) | 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. |
“I wanted to stick with only the insurance my state requires for now.Jerryhelped me save $75 a month on my premium!” —Nora H.