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State Farm Motorcycle Insurance Review


ConsumersAdvocate.org Rating: 4.4 / 5 (Excellent)
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State Farm is a mutual insurance company based in Bloomington, Illinois, that provides various insurance and financial services in the United States and Canada. Its insurance products are sold through agents and include home, auto, business, life, and more. The company's motorcycle insurance covers two- and three-wheeled motorcycles licensed for use on public roads.
 
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How is State Farm rated?

Breakdown

4.5/5
Coverage and Additional Benefits
4.5/5
Financial Strength
4.0/5
Discounts
4.5/5
Claims and Reputation

Overall Rating: 4.4 / 5 (Excellent)

Consumers can rest easy knowing that State Farm's motorcycle insurance will be able to lend them a hand given the company's strong financial ratings and extensive coverage options. Additional options such as protective gear, sidecar, and upgraded components coverage which are included in State Farm's standard policies also ensure maximum value. Its mixed customer reception does not come as a surprise considering the company's size, and should not discourage consumers from seeking State Farm insurance. Although there may be stronger motorcycle insurers, we can fully recommend State Farm, especially for those who already hold other types of insurance with them.

State Farm Coverage and Benefits

Coverage and Additional Benefits - 4.5 / 5

State Farm offers all the customary coverage options for motorcycle insurance, among them bodily injury, collision damages, and comprehensive protection. However, of note is that the company's standard motorcycle insurance includes options, such as sidecars, damage to protective gear, and trip interruption coverage, that are typically charged as add-ons.
Coverage
Liability
Collision
Comprehensive
Customized Motorcycle Parts
Additional Coverage
Appearance Insurance
Full Replacement Cost
Accessories and Custom Parts
Roadside Assistance
Trip Interruption
Other Specialty Coverage
Damage to protective gear Attached sidecars
Rental Reimbursement
No
Types of Vehicles Covered
Scooters
Classic/Custom Motorcycles
Minibikes
Trail Bikes

State Farm Pricing and Discounts

Discounts - 4 / 5

State Farm does not list any discounts on its motorcycle insurance page, preferring to have an agent help customers figure out what discounts are available to them instead. However, they do mention a 5% discount for drivers 55 and older who have taken the 55 Alive driving course in an article.
Discounts
Training Course
Multi Bike
Other Discounts
Mature/Experienced Driver
Lay-Up Policy Savings
Home Ownership
Anti-Theft Devices
Responsible Driver

State Farm Financial Strength

Financial Strength - 4.5 / 5

State Farm has outstanding financial strength ratings with both S&P's and AM Best. The company has been offering insurance products and services since its foundation in 1922.
Company Type
Underwriter
Year Founded
1922
Standard & Poor's Financial Rating
AA
AM Best Financial Rating
A++

State Farm Customer Experience

Claims and Reputation - 4.5 / 5

As with most other large insurance companies, feedback online can vary widely. Overall, opinions are mixed. On the BBB, State Farm has 6 positive reviews, 174 negative reviews, and a B+ grade as a result of government action against the business. On Trustpilot, it has a poor 4.2 score, but the page only has seven reviews and remains unclaimed by the company. Its total number of complaints on the NAIC for 2017 is 34, which amounts to a ratio of 0.00, well below the national median of 1.00.
BBB Rating
B+
Number of BBB Positive Reviews
6
Number of BBB Negative Reviews
174
Trust Pilot Rating
4.2 out of 10
NAIC Complaint Ratio 2017
0.0
NAIC Total Complaints 2017
34
Date Collected
2018-05-18

Company Profile

Full Name
State Farm Motorcycle Insurance
Company Website
https://www.statefarm.com
Headquarters
One State Farm Plaza , IL, Bloomington, IL, 61710

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Customer Comments & Reviews

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J
Joe M
8/11/2018
I took out a seasonal premium policy which I paid every month. I got a bill for 193.80 for July and it was sent in early. State Farm cashed it on July 6th and on July 12th I sold the bike. So on August 10 I called the agent because I thought for sure I was entitled to a refund but was told no refund on seasonal motorcycle policies. I know it's not a lot of money but how can they keep the whole months payment for only 6 days. Not a fan of State Farm any longer.

Jim D
8/9/2018
My only beef is they offer absolutely zero medical coverage. I realize that medical is covered mostly by your medical insurance; however, medical coverage covers what your health insurance does not. For example, ambulance ride ($300 copay), Emergency Room ($3-500 copay), helicopter ambulance flight ($20,000+ depending on what health insurance pays them before they balance bill patient), 20% average coinsurance, $3000+ maximum out of pocket, and the list goes on. The last thing a person needs to worry about if they're in a coma, wheelchair, whatever, because of a motorcycle accident and survived or a surviving spouse who just lost someone in a motorcycle accident is a pile of bills that... Read More

C
Constance V
3/26/2018
I have a navigator and a Harley insured through state farm they are saying its not a multi car discount on my Bike why cause every thing i read says it is

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