Esurance Motorcycle Insurance Review

Rating: 8.1 / 10 (Excellent)
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Esurance is part of the Allstate family, one the country’s leading insurance and financial services provider. The company’s motorcycle insurance policies give 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 protected as well.

How is Esurance rated?


Coverage and Benefits
Customer Experience
Pricing and Discounts
Financial Strength

Overall Rating: 8.1 / 10 (Excellent)

Esurance provides a truly comprehensive variety of standard and optional coverage items. It also covers a wide array of vehicles, from scooters to high-performance and vintage bikes. Esurance truly shines in its ease of use, with its user-friendly online platform giving customers a quick and painless insurance shopping process. Additionally, its variety of available discounts, competitive pricing, and a good reputation for customer service make Esurance a great choice for motorcycle insurance.

Esurance Coverage and Benefits

Coverage and Benefits - 8.2 / 10

Aside from the standard liability and collision, Esurance offers a variety of useful extra coverage options. For example, its trip interruption coverage offers $100 for lodging, $50 for alternate transportation, and $50 for food per day (up to a maximum of $500), while your bike is getting fixed. And for bikes with heavy customization, it can provide up to $30,000 worth of protection for models less than 25 years old. Additionally, riders can receive an automatic $3,000 in accessory coverage.
Uninsured/Underinsured Motorist
Additional Coverage
Full Replacement Cost
Roadside Assistance
Trip Interruption
Towing and Labor
Types of Vehicles Covered
Classic/Custom Motorcycles
Trail Bikes
Street-Sport Bikes
High Performance

Esurance Pricing and Discounts

Pricing and Discounts - 9 / 10

Esurance is competitively priced and has a long list of possible discounts. It will give breaks for safety and anti-theft features, belonging to certain motorcycle associations, as well as having multiple policies and bikes with them.
Training Course
Multi Bike
Club/Association Membership
Other Discounts
Home Ownership
Safety Features
Anti-Theft Devices
Anti-Lock Brakes
Responsible Driver

Esurance Financial Strength

Financial Strength - 9 / 10

Esurance is a subsidiary of Allstate, the largest public personal insurer in the United States, and is ranked A+ by A.M. Best. Aside from being a hugely successful company on its own, being backed by Allstate gives it rock-solid financial stability.
Company Type
Subsidiary/ Partner
Year Founded
AM Best Financial Rating

Esurance Customer Experience

Customer Experience - 7 / 10

The Better Business Bureau gives Esurance an A+ rating. Although there are 40 negative reviews and a little over 300 complaints, this is not necessarily unusual for a company of this size. Their commercial auto division was the subject of one complaint filed with the National Association of Insurance Commissioners in 2017, putting their complaint rate below the average in the industry.
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
NAIC Complaint Ratio 2017
NAIC Total Complaints 2017
Date Collected

Company Profile

Full Name
Esurance Motorcycle Insurance
Company Website
650 Davis Street, San Francisco, CA, 94111

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Top Rated
9.5 / 10
  • Provides some of the most comprehensive coverage on the market
  • Covers passengers as well as riders
  • Rental reimbursement
  • Loyalty discount for customers with the company for more than a year
  • Homeowners discount available