Esurance Motorcycle Insurance Review

Esurance motorcycle insurance extended the brand’s digital-first approach to two-wheeled coverage, offering riders the ability to quote, customize, and manage motorcycle policies through online tools. Although Esurance no longer accepts new customers following Allstate’s 2019 brand integration, existing motorcycle policyholders continue receiving coverage and riders want to understand how the brand’s motorcycle insurance compared to alternatives. Understanding what Esurance motorcycle insurance offered helps existing policyholders evaluate their coverage and helps riders find similar options today.

This review examines Esurance motorcycle insurance coverage components, pricing, discounts, and competitive positioning during the brand’s active years. For background on the brand’s transition, see our guide on what happened to Esurance.

What Esurance Motorcycle Insurance Covered

Esurance motorcycle insurance included the standard coverage components riders need to protect themselves, their bikes, and others on the road. The coverage structure followed industry standards for motorcycle policies.

Liability Coverage

Liability coverage paid for injuries and property damage the rider caused to others. This included bodily injury liability for medical costs of injured parties and property damage liability for damage to other vehicles or property. Most states require minimum liability coverage for motorcycle operation.

Collision Coverage

Collision coverage paid to repair or replace the motorcycle after an accident regardless of fault. Given the higher accident risk and injury severity associated with motorcycles, collision coverage provided important financial protection for the bike itself.

Comprehensive Coverage

Comprehensive coverage protected against non-collision losses including theft (a significant concern for motorcycles), vandalism, fire, weather damage, and animal strikes. Motorcycles face elevated theft risk, making comprehensive coverage particularly valuable.

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protected riders when accidents involved drivers without adequate insurance. Given motorcyclists’ vulnerability in accidents, this coverage provided important protection against the financial consequences of crashes caused by inadequately insured drivers.

Medical Payments Coverage

Medical payments coverage helped pay medical expenses for the rider and passengers after an accident regardless of fault. The elevated injury risk in motorcycle accidents made this coverage especially relevant for riders.

Distinctive Esurance Motorcycle Coverage Options

Custom Parts and Equipment Coverage

Esurance offered custom parts and equipment coverage that protected aftermarket additions and modifications including custom paint, chrome, saddlebags, custom seats, performance upgrades, and other accessories. Standard policies provided limited custom equipment coverage, with options to increase limits for heavily customized bikes.

Safety Apparel Coverage

Some Esurance motorcycle policies included coverage for safety apparel and riding gear damaged in accidents including helmets, jackets, gloves, and boots. This coverage recognized the significant investment riders make in protective equipment.

Trip Interruption Coverage

Trip interruption coverage helped with expenses if a covered breakdown or accident occurred far from home, including lodging, food, and transportation while the motorcycle was repaired.

Esurance Motorcycle Insurance Cost

Esurance motorcycle insurance averaged $520 per year during peak operational years, though premiums varied widely based on bike type, rider experience, location, and coverage selections. Sport bikes and high-performance motorcycles cost significantly more to insure than cruisers or standard motorcycles.

For more on motorcycle coverage and pricing, explore our motorcycle insurance guides.

Esurance Motorcycle Discounts

The safety course discount rewarded riders who completed approved motorcycle safety training, which both reduced premiums and improved riding safety. Bundling with Esurance auto provided additional savings as covered in our Esurance auto insurance review.

Seasonal Considerations

Esurance offered flexibility for seasonal riders who only use motorcycles during warmer months. Riders in cold-weather climates could adjust coverage during winter storage periods, maintaining comprehensive coverage for theft and damage protection while reducing liability and collision coverage when the bike wasn’t being ridden. This lay-up coverage approach helped seasonal riders save money during off-season months.

How Esurance Motorcycle Compared to Competitors

Esurance motorcycle insurance priced competitively in the middle of the market. Progressive led the motorcycle insurance market with the most experience and competitive pricing. For comparisons, see our reviews of Progressive, GEICO, and Allstate.

Best Motorcycle Insurance Alternatives Today

Progressive

The motorcycle insurance market leader with the most experience, competitive pricing, and specialized coverage options. Progressive offers strong digital tools and works well for most riders.

GEICO

Strong motorcycle insurance option with competitive pricing and the convenience of bundling with GEICO auto coverage. GEICO offers solid digital tools for riders wanting affordable coverage.

Allstate

The natural successor since Allstate absorbed Esurance operations. Allstate motorcycle insurance offers comprehensive coverage with digital tools and agent support. See our Esurance vs. Allstate comparison.

Dairyland

Specializes in motorcycle coverage including non-standard riders who may face challenges getting coverage elsewhere. Dairyland works well for riders with complex situations.

Frequently Asked Questions

Can I still get Esurance motorcycle insurance?

No, Esurance no longer accepts new customers since the 2019 Allstate brand integration. Existing motorcycle policyholders continue receiving coverage, but new riders should consider Progressive, GEICO, Allstate, or other carriers for motorcycle coverage.

How much was Esurance motorcycle insurance?

Esurance motorcycle insurance averaged $520 per year, with premiums ranging from $200 for scooters to $1,500 for high-performance sport bikes. Specific pricing depended on bike type, rider experience, location, and coverage selections.

What did Esurance motorcycle insurance cover?

Esurance motorcycle insurance covered liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. Optional coverage included custom parts and equipment, safety apparel, and trip interruption coverage.

Did Esurance cover custom motorcycle parts?

Yes, Esurance offered custom parts and equipment coverage protecting aftermarket additions including custom paint, chrome, saddlebags, and performance upgrades. Standard policies provided limited coverage with options to increase limits for heavily customized bikes.

Could I get seasonal motorcycle coverage with Esurance?

Yes, Esurance offered flexibility for seasonal riders including lay-up coverage during winter storage. Riders could maintain comprehensive coverage for theft and damage while reducing liability and collision coverage when the bike wasn’t being ridden.

Did Esurance offer motorcycle safety course discounts?

Yes, Esurance offered discounts of 5 to 15 percent for completing approved motorcycle safety courses. The discount rewarded riders for safety training that both reduced premiums and improved riding safety.

What happens to my existing Esurance motorcycle policy?

Your existing Esurance motorcycle policy continues providing coverage with the same terms backed by Allstate Corporation. You can continue making claims, paying premiums, and managing your policy through standard Esurance channels.

Could I bundle Esurance motorcycle with auto insurance?

Yes, Esurance offered bundle discounts of 10 to 15 percent when combining motorcycle with auto insurance. Bundling produced meaningful savings for customers holding multiple policies.

The Bottom Line

Esurance motorcycle insurance offered solid coverage with the brand’s digital-first experience and competitive pricing during its operational years. Average premiums of $520 delivered reasonable value, with distinctive features including custom parts coverage and seasonal flexibility appealing to various rider types. The digital tools made motorcycle insurance management convenient for tech-comfortable riders.

Existing Esurance motorcycle customers can continue using their coverage while monitoring renewal premiums for competitiveness. Riders wanting Esurance-style motorcycle coverage should evaluate Progressive, GEICO, Allstate, and Dairyland to find current options matching their bike type and riding situation.

The motorcycle insurance market offers strong options today with Progressive leading in experience and competitive pricing. Riders benefit from comparing multiple carriers to find coverage matching their specific bike, riding habits, and budget.

Ready to explore current motorcycle insurance options? Visit Matrix Insurance to compare carriers, or contact our team for personalized guidance on finding the right motorcycle insurance for your situation.