Esurance Motorcycle Insurance Review

Rating: 6.5 / 10 (Very good)
Disclosure: We receive advertising revenue from some partners. 
Learn more.


Esurance is part of the Allstate family, one the country’s leading insurance and financial services provider. The company’s motorcycle insurance policies gives a variety of coverage items from collision to comprehensive insurance. Motorcycle insurance is made available for varied motorcycle types making it possible for custom and classic motorcycles to get the protection it needs.


Financial Ratings

A.M. Best Financial Rating A+

A.M. Best Issuer Rating aa-



Liability coverage

  • Personal injury
  • Property damage liability

Comprehensive and Collision coverage

  • Motorcycle repairs
  • Riding apparels and helmets
  • Stolen motorcycle

Total Loss coverage

  • Pays for the manufacturer’s suggested retail price of same make, year model
  • Actual cash value – current day worth
  • Agreed value – for specialty, custom bikes

Medical Payments coverage

  • Pays for medical expenses regardless of fault
  • For those without health insurance
  • Secondary medical insurance

Optional Equipment coverage

  • Up to $30,000 coverage for customized parts and equipment
  • For bike models less than 25 years old or those listed in the National Automobile Dealers Association appraisal guide

Trip Interruption coverage

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

Uninsured and Underinsured Motorcyclist coverage

  • If the personal responsible for the accident does not have enough insurance to cover property and personal injury expenses

Towing and Labor

  • Roadside assistance services


Support Services

Towing and Labor

  • Dead battery
  • Flat tire
  • Lost keys
  • Low fluids (including fuel)
  • Assistance for bike’s stuck within 100 feet of roadway


Claims Processing

24/7 claims processing


Payments and Discounts

Discount Options



Recovery device

Paid-in full

Responsible driver

Safety course


Motorcycle endorsement

Switch and save

Antilock brakes

Association discount


Payment methods


Online payment

Credit card

Automatic payments

Phone payments

Personal check

Bank account payments


Esurance Motorcycle Insurance Summary

Esurance makes shopping for motorcycle insurance easy by providing a good list of standard and optional coverage items that helps protect motorcycle owners in case of an accident or emergency. It offers total loss coverage to help motorcycle owners recover from the loss of their vehicle. An optional agreed value coverage makes it possible for custom and classic motorcycle owners to set a fixed value for their motorcycle in the unfortunate event of a total loss. Discount options and competitive pricing gives bargain hunters a strong choice when shopping for motorcycle insurance.  


Leave a comment for Esurance Motorcycle Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

Top Rated
Our Partner
9.1 / 10
  • Allstate Has 84 Years Experience
  • 24/7 claim services
  • Comprehensive Motorcycle Collision Coverage
  • Accident Forgiveness
  • Save up to 50% with Allstate