Farmers Motorcycle Insurance
Farmers offers a wide range of motorcycle insurance coverage options, but their rates are typically higher than average—click here to learn more.
Written by Andrew Biro
Reviewed by Kathleen Flear
Farmers offers varying levels of motorcycle insurance and has three customizable coverage packages—the Saver, Plus, and Elite—so that you only pay for the features you want.
Of course, if you’re looking for cheap motorcycle insurance, Farmers might not be the best fit for you—their rates for full-coverage motorcycle insurance are typically higher than the national average range of $475 - $700. Farmers does, however, have a wide selection of discounts available.
With that being said, let's take a closer look at the types of motorcycle insurance coverage Farmers offers as well as some tips on how to reduce your premium and save money.
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes Farmers offer motorcycle insurance?
Yes—in addition to standard auto insurance, Farmers sells motorcycle insurance coverage at varying levels. Regardless of where you live, a basic motorcycle insurance policy from Farmers will always include your state’s minimum insurance requirements.
Cost
Unfortunately, it’s hard to give even a broad estimate of how much a motorcycle insurance policy with Farmers might cost, as the company doesn’t exactly specialize in bike insurance and data isn’t widely available.
But seeing as Farmers’ auto insurance rates typically range higher than the national average, it’s safe to assume that their motorcycle insurance rates are also higher than the national average range of $475 - $700 per year for a full-coverage policy.
In any case, the cost of your specific motorcycle insurance policy will ultimately depend on a number of factors, such as your age, gender, driving record, credit score, marital status, state of residence, etc. Cost is also influenced by the type of bike you own—sports bikes, for instance, are more expensive to insure than standard touring motorcycles.
For an accurate estimate, you’ll need to call Farmers at 1-888-938-2121 to obtain a personalized quote.
Coverage options
- Liability coverage: if you are judged to be legally responsible for an accident,bodily injury/property damageliability coverage will help pay the other driver’s medical and repair bills.
- Collision coverage: can help pay for repairs to your own motorcycle after a collision with another vehicle or a stationary object.
- Other than collision coverage: sometimes referred to ascomprehensive coverage, other than collision coverage can help mitigate damage costs caused by something other than an accident (e.g. collision with an animal, vandalism, theft, or extreme weather).
Farmers also offers a plethora of additional coverage options, including:
Coverage | Description | Example |
|---|---|---|
If you are hit by an uninsured/underinsured driver, this will help cover repairs cost, medical bills, and lost wages. | You’re struck by a vehicle while crossing an intersection and find out the driver doesn’t have insurance—uninsured motorist coverage will pay for the repair bill. | |
Can help pay for necessary and reasonable medical expenses for both yourself and any passengers, regardless of who is at fault. | An ambulance is called to take you to the hospital after a serious accident—medical payments coverage can help cover the ambulance bill. | |
Optional equipment coverage | Helps protect against the damage or total loss of permanently installed equipment that is not original or factory standard. | The aftermarket seat you installed on your Suzuki Boulevard C50 gets damaged in an accident—optional equipment coverage can help cover the cost of replacement. |
Safety apparel coverage | Covers damages to gloves, helmets, leathers, and other gear designed to minimize bodily injury in the event of an accident. | You drop your helmet and crack the visor—safety apparel coverage will help pay for repairs or a new helmet. |
If you break down or are left stranded somewhere, this will help cover the costs of towing and/or roadside assistance. | You’re driving up the West Coast and break down just outside of San Francisco—towing and roadside assistance coverage will help pay for towing/transport to the nearest repair shop. | |
If your motorcycle is being repaired after a covered accident, rental reimbursement will help cover the costs of alternative transportation until your bike is fixed. | Someone backed into your motorcycle in a parking lot, landing your bike in the mechanic’s shop for the next three days—rental reimbursement can help pay for a rental vehicle or public transportation in the interim. | |
Transport trailer coverage | Protects against damages to your motorcycles transport trailer up to $7,500. | You’re towing your motorcycle’s transport trailer behind your truck and someone rear-ends you at a stoplight—transport trailer coverage will help pay for the trailer’s repairs. |
Classic/Vintage bike coverage | Provides coverage for bikes that are at least 25 years old and that have been maintained or restored to their original condition. | You want to insure your restored 1990 Harley-Davidson Heritage Softail—Farmers’ vintage bike coverage is the way to go. |
Custom bike coverage | Provides coverage for limited edition and one-of-a-kind motorcycles, as well as those equipped with over $30,000 in options. | You’re looking to insure your limited edition 2022 Kawasaki Ninja ZX-10RR—custom bike coverage can provide the protection you need. |
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To make things easier on their customers, Farmers offers three different customizable Motorcycle Choice packages—the Saver, Plus, and Elite—which include various levels of the aforementioned coverages, as well as a few other popular features.
Coverage Package | Description |
|---|---|
Saver | Includes:
Optional equipment coverage and towing/roadside assistance coverage are also available as add-ons. |
Plus | Includes:
|
Elite | Includes:
|
How to save on Farmers motorcycle insurance
Despite having higher-than-average rates, Farmers offers a wide range of discounts that can help lower your premium, including:
- Multi-policy discount: One of the easiest ways to lower your motorcycle insurance cost with Farmers is by having purchased another insurance policy—such as home or auto—with the company.
- Multi-unit discount: Farmers also offers discounts to those customers who insure multiple vehicles with them.
- Equip an airbag: Most motorcycles do not come standard with an airbag, which increases the risk of injury in an accident—installing an aftermarket airbag, however, decreases the risk of bodily harm, something Farmers rewards with a discount.
- Affinity group discount: If you are a member, employee, or retiree of a certain business, professional association, occupational group, or military branch, you may qualify for a discount—check with your agent to verify.
- Maintain continuous coverage: If you choose to regularly renew your motorcycle insurance with Farmers for a lengthy period of time, the company rewards you for your loyalty in the form of a continuous coverage discount.
- Take a safety course: Due to the fact that it makes you a better driver and reduces the risk of you being involved in an accident, taking and passing a safety course can actually help reduce your premium with Farmers.
- Equip an anti-lock brake system: While a standard safety feature on most cars, anti-lock brake systems (ABS) are rarely factory-installed on motorcycles—if you choose to install an aftermarket ABS system, Farmers will offer you a discount, as it reduces the risk of being involved in an accident.
- Install a stolen vehicle recovery system: Farmers offers a $500 deductible waiver on comprehensive coverage claims for riders who have installed an approved stolen vehicle recovery system, such as a LoJack®.
The cheapest motorcycle insurance companies
If you’re not able to stomach the higher costs associated with Farmers’ motorcycle insurance policies, check out a few of the more affordable companies below:
- Best for collectors: Markel (average $69/month)
Keep in mind, however, that the rates for each of these companies depend on a number of factors, so the estimates given above may not be representative of the actual quotes you receive. For this reason, it is always recommended that you compare at least 3 - 5 different quotes before settling on a policy.
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FAQs
Is Nationwide or Farmers better for motorcycle insurance?
It depends on what you’re looking for from your motorcycle insurance policy—Nationwide typically has lower rates, whereas Farmers has a wider selection of coverage options, features, and discounts available. You may also find Farmers more to your liking if you’ve made significant upgrades to your motorcycle or if you own a vintage bike, as Farmers has specific policies for both.
Is it cheaper to insure a motorcycle than a car?
In most cases, yes, a motorcycle is cheaper to insure than a car—the national average rate for full-coverage motorcycle insurance ranges between $475 - $700 per year, whereas the average full-coverage car insurance rate is closer to $1,700.
