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Allstate Motorcycle Insurance Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
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Allstate is one of the nation's largest multi-line insurance companies. The company was founded in 1931 and is headquartered in Illinois. Allstate offers motorcycle insurance that includes both the usual property and casualty coverages as well as benefits specifically tailored to the motorcycling community. Various discounts are available on its motorcycle policies, including price breaks for people who have other types of Allstate policies.
 
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How is Allstate rated?

Breakdown

4.5/5
Coverage and Additional Benefits
4.5/5
Financial Strength
4.5/5
Discounts
4.5/5
Claims and Reputation

Overall Rating: 4.5 / 5 (Excellent)

Venerable Allstate Insurance Company is a sound choice for motorcycle insurance. The company's size, diversification, age, and financial ratings suggest considerable financial strength. Its optional motorcycle coverages are on par with the competition, but its discounts are slightly less so. Still, Allstate can be a very attractive option, especially for people who already hold another kind of Allstate policy. The company's overall reputation for customer service is about average.

Allstate Coverage and Benefits

Coverage and Additional Benefits - 4.5 / 5

Allstate offers the full array of motor vehicle insurance coverages, as well as some that are specifically targeted toward the motorcycling community. Its loan/lease gap coverage is especially welcome in an era when more people are financing more expensive bikes. The add-ons also include accessories coverage which can be purchased in $1000 increments. This flexibility allows motorcyclists to insure their specific bikes, not merely some hypothetical average make and model.
Coverage
Liability
Collision
Comprehensive
Customized Motorcycle Parts
Uninsured/Underinsured Motorist
Additional Coverage
Full Replacement Cost
Accessories and Custom Parts
Roadside Assistance
Vacation Rental
Uninsured Motorist Property Damage
Towing and Labor
Other Specialty Coverage
Trailer coverage; loan/lease gap coverage
Rental Reimbursement
Yes
Types of Vehicles Covered
Classic/Custom Motorcycles

Allstate Pricing and Discounts

Discounts - 4.5 / 5

Allstate offers a basic array of discounts in addition to discounts for holders of more than one type of Allstate policy and discounts for people who switch from another insurer to Allstate. The company also promises not to raise premiums for people who've been Allstate-insured and accident-free for at least four years. Unlike some of its competitors, however, Allstate does not offer discounts for safety equipment such as anti-theft devices and anti-lock brakes.
Discounts
Training Course
Multi Bike
Club/Association Membership
Other Discounts
Responsible Driver

Allstate Financial Strength

Financial Strength - 4.5 / 5

Allstate is one of the largest insurers in the United States. The company enjoys a very high rating from AM Best and good ratings from Moody's and Standard & Poor's. The firm has been in business for almost nine decades and has endured numerous ups and downs in the economy as well as major disasters that have resulted in abnormally high claims experience. Its financial position is very sound.
Company Type
Underwriter
Year Founded
1931
Standard & Poor's Financial Rating
AA-
Moody's Financial Rating
Aa3
AM Best Financial Rating
A+

Allstate Customer Experience

Claims and Reputation - 4.5 / 5

Because Allstate is a multi-line carrier, it's very difficult to separate out the portion of customer complaints that have to do with motorcycle insurance. Like most insurance companies, Allstate's negative customer reviews vastly outnumber its positive ones. In this case, the most accurate metric of customer satisfaction is the National Association of Insurance Commissioners' complaint-to-size ratio. Allstate's is almost squarely average.
BBB Rating
A
Number of BBB Positive Reviews
4
Number of BBB Negative Reviews
200
Trust Pilot Rating
5.6 out of 10
NAIC Complaint Ratio 2017
1.04
NAIC Total Complaints 2017
305
Date Collected
2018-05-21

Company Profile

Full Name
Allstate Motorcycle Insurance
Company Website
https://www.allstate.com
Headquarters
P.O. Box 660598, Dallas, TX, 75266

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