Farm Bureau Motorcycle Insurance

Farm Bureau motorcycle insurance gives affordable options with a variety of choices for your bike.
Written by Jennifer Justice
Reviewed by Kathleen Flear
If you need motorcycle insurance, Farm Bureau has basic coverage, as well as several add-on options like comprehensive and collision coverage. However, these coverages are only available in certain states.
If you own a motorcycle, you’ll need to get insurance for it, just like any vehicle. Farm Bureau has several options for bikes, whether it's a Harley, moped, or something else. Let’s look at some of your options for Farm Bureau
motorcycle insurance
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Does Farm Bureau offer motorcycle insurance?

Yes, Farm Bureau carries motorcycle insurance options in addition to car insurance—but they only operate within 14 states, so your location is important. 
Farm Bureau has several options, including
liability coverage
and the following additional coverages:
  • Comprehensive
    coverage: just like with a car, you can consider this coverage to help pay for your repairs after a collision (collision coverage) or non-collision event (comprehensive coverage). 
  • Uninsured/underinsured motorist
    coverage: motorcyclists may want to consider this coverage in case they get into an accident with someone who doesn’t have the insurance coverage to pay for the damage they cause. 
You can contact Farm Bureau about motorcycle insurance by calling 866-399-FBFS(3237). You will need to know basic information, such as the year, make, and model of your bike. You also need the bike’s vehicle identification number (VIN). You can contact your agent directly if you currently have a policy with Farm Bureau.


Just like when you purchase insurance for any vehicle, your specific premium will depend on multiple factors, such as your state, age, how recently you got your motorcycle license, and your previous driving record. 

Coverage options

Farm Bureau motorcycle insurance gives you multiple coverage options. Your state will have a minimum coverage requirement for motorcycles, but you want to consider adding a few options so you are better protected financially beyond the basic state minimum.
Here are the options available to you as a motorcycle owner if you go with Farm Bureau:
Included automatically? 
Do I need it? 
This helps cover medical bills for other people injured in the accident if you’re at fault. 
You change lanes without checking your blind spot and crash into someone. Farm Bureau would help pay their medical costs based on your policy’s BIL limit. 
BIL is almost always legally required by a state, but check on your state’s minimum requirements. 
This covers repair costs for other drivers’ vehicles or property owners if you cause an accident.
If you run a red light and get into a fender bender, Farm Bureau would pay for repairs to the other vehicle up to the liability limit for your policy.
Many states require at least some coverage for property damage, so see what your state’s laws say.
This coverage kicks in if you need repairs not related to an accident, like from a hailstorm or vandalism.
A severe storm trashes your bike thanks to hail damage and falling branches. Farm Bureau will help cover those repair costs.
It’s not required for state minimum coverage, but it’s a great option for extra protection.
Just like it sounds, this will help pay for repairs if you’re involved in a collision with a vehicle or stationary object.
You run off the road thanks to an icy patch and dent your front fender. You can get help with the repair bill.
Completely optional, but another good add-on to your policy.
This helps cover your medical and repair bills if the other driver doesn’t have insurance coverage.
You get sidelined by a car, but the driver doesn’t carry an insurance policy. Farm Bureau will step in to help you based on your policy’s limits. 
Most do not require it, but check about your state laws. It’s a great backup to have on hand.
You can get help with those bills not entirely covered if the other driver's insurance leaves gaps. 
If you get rear-ended by a driver whose insurance barely pays for anything, Farm Bureau will help with those bills based on what your policy covers.
Usually not required, but double-check about your state’s legal requirements.
If you or someone else gets injured and has medical bills, you can get the costs taken care of.
Your son decides to show off for his friends and breaks his arm crashing your bike. Farm Bureau will chip in on the medical bill based on your policy’s coverage. 
Not a requirement, but a good extra to have, especially if you don’t have health coverage. 
Roadside assistance 
Helps with things like towing and other everyday technical difficulties.
You run out of gas (whoops!) in the middle of nowhere. Roadside assistance may swoop in with a few gallons to get you to the next gas station.
This is a great backup for the inevitable mechanical problems everyone runs into at some point. 
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How to save on Farm Bureau motorcycle insurance

Farm Bureau offers a range of discounts that can help you lower the cost of motorcycle insurance, such as: 
  • Farm Bureau Member’s Choice: also called a multi-policy discount, this gives you a break on your costs If you carry
    auto insurance
    homeowners insurance
    plus motorcycle coverage with Farm Bureau. 
  • Driveology: if you participate in their telematics program (installing a device that monitors your driving habits), you can get up to 30% off your premium. Drive safely for long enough, and you can qualify for the SafeRide Rewards® program for additional savings.
  • Driven to Safety®: this is additional savings if you join the Driveology program, so you get to double-dip on your savings with this one!
  • Claim-Free Discount: you can earn a break on your insurance if you have minimal claims and don’t get into an accident. 
  • Good Student Discount: you’ll need to earn a B average or higher as a student, but you can get good grades and a good deal at the same time! 
  • Safe Young Driver Discount: if you are under 25 and participate in Farm Bureau’s Young Driver Safety program, there’s a discount for that. 
  • Low Mileage Discount: if you don’t spend a lot of time on the road, you could save money if you drive 7,500 miles or less per year.
  • Discounts for Multiple Cars: insuring more than one car with Farm Bureau can save you some green. 
  • Continued In-Force Credit: Farm Bureau Member's Choice policyholders who renew their membership also earn a discount.
As you can see, you have quite a few options for cutting back on insurance premiums with Farm Bureau. 

The cheapest motorcycle insurance companies

Of course, Farm Bureau is just one of many insurers that carry motorcycle coverage. Let’s look at some different options based on specific needs: 
  • Overall:
    ($25 to $52/month) 
  • For sport bikes:
    ($28 to $51/month) 
  • High-value bikes: Markel ($35 to $69/month) 
  • For teenagers:
    ($22 to $74/month) 
  • For collectors:
    ($49 to $55/month)
“Insurance companies originally charged me $189 while driving my BMW 300 miles per year. Thanks to
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Progressive carries more motorcycle options and is available in more states than Farm Bureau. If you have a pricier bike or one that has been customized, you’ll get more out of Progressive. However, Farm Bureau has other options, like farm and crop protection, so if you’re already getting insurance with them, you might want to extend your policy to include your bike.
Yes, by a lot. You’ll pay around $240 a year for a motorcycle, which is a fraction of the average cost for a car at $1,600 a year.
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