Find out if Farmers motorcycle insurance is a good option for you.



If you’ve only heard about the company’s auto insurance, you might be wondering, does Farmers have motorcycle insurance? Yes, Farmers motorcycle insurance is available to riders across the United States. 

In this review, we’ll take a look at Farmers motorcycle insurance rates as well as the company’s policy offerings, customer reviews, and reputation within the industry. We’ve reviewed the best motorcycle insurance companies using the same rating criteria, and you can compare quotes from leading providers in your area with our free tool below.  


In this article:

Farmers Insurance Company Overview

Farmers Insurance Group has a history that dates back to 1928. Today, it’s the seventh-largest auto insurance provider in the United States, according to the National Association of Insurance Commissioners (NAIC). The group includes subsidiaries like Foremost Insurance and 21st Century Insurance.

Farmers is a household name in the insurance industry for its long reputation and reliable coverage. Currently, Farmers Insurance has an A+ rating with accreditation from the Better Business Bureau (BBB).

Many riders appreciate Farmers’ motorcycle insurance coverage. Most insurance companies can cover up to $30,000 in custom parts, but Farmers offers plans that can cover well beyond that. Also, its Elite plan can pay for a new motorcycle replacement if yours is under five years old. Most other providers only offer this option for up to two or three years. 



Farmers Motorcycle Insurance Coverage

Farmers motorcycle insurance policies can include all standard coverage options, like: 

  • Liability: Most states require a minimum amount of liability coverage, which covers bodily injury and property damage for other people in accidents you cause. 
  • Collision coverage: This option covers damage to your own bike after an accident. 
  • Comprehensive: This coverage repairs your bike after non-collision damage, like hail damage or vandalism. 
  • Uninsured/underinsured motorist: This insurance covers your bike repairs and medical expenses if you’re in an accident with a driver who does not have enough insurance to cover your expenses. 
  • Medical payments (MedPay): This coverage pays for medical costs after an accident and can cover your health insurance deductible. 

Additionally, Farmers offers a few extras that riders can choose from:

  • Roadside assistance: This option can cover towing, spare tire changes, and jump-starts. Farmers also offers trip interruption coverage. 
  • Optional equipment coverage: Standard plans can cover up to $15,000 in custom and optional equipment. 
  • Safety apparel coverage: This option covers your helmet, jacket, and other safety apparel or equipment. 
  • Total loss replacement cost: Farmers can pay to replace your bike with a new model if your bike is less than five years old under the Elite plan (two years for the Plus plan). 
  • Trailer coverage: This option covers repairs to your motorcycle-transport trailer up to $7,500. 

If you don’t want to build your own Farmers motorcycle insurance policy, the company offers a few plans you can add to your base coverage:

  • Elite: Includes $2,500 safety apparel, $5,000 optional equipment coverage, $2,000 personal effects coverage, and total loss settlement for five years based on new motorcycle value
  • Plus: Includes $1,500 safety apparel coverage, $3,500 optional equipment, and total loss settlement for two years based on new motorcycle value
  • Silver: Includes $500 safety apparel coverage and first accident forgiveness



Farmers Motorcycle Insurance Cost

How much is motorcycle insurance per month? It depends on your individual situation. For minimum coverage, you could pay between $5 and $20 per month. For full coverage, you could pay between $50 and $320 per month or more. The Farmers motorcycle insurance quotes you find will vary according to factors like your bike, your driving record, and your age. Here are some more details. 

  • Age: If you’re a teen or under the age of 25, you’ll pay high rates. 
  • Driving history: Recent at-fault accidents and tickets raise your rates. 
  • Credit: In most states, having a good credit score can lower your rates. 
  • State conditions: Farmers motorcycle insurance quotes will be lower in states that have longer winters, which makes the riding season shorter.
  • State requirements: State minimum requirements vary, and that affects prices. 
  • Your motorcycle: A larger engine, more expensive bike, or more sport-oriented bike will cost more to insure.
  • How you ride: Farmers motorcycle insurance quotes will be more expensive if you plan on riding your bike every day or for work.

Depending on your situation, you can find the following discounts on Farmers motorcycle insurance: 

  • Multi-policy
  • Multi-unit
  • Prior insurance
  • Affinity group
  • Preferred operator
  • Renewal discount
  • Safety course
  • Airbag equipped
  • Anti-lock brake equipped

Here are a few sample Farmers motorcycle insurance quotes we received: 

Type of Rider Type of Motorcycle Coverage Level Farmers Motorcycle Insurance Annual Cost


No accidents or tickets

in the past three years

Standard Minimum $76.76
Full Coverage $300.76
Sport Minimum $295.76
Full Coverage $2,137.76


At fault for an accident

in the past three years

Standard Minimum $342.76
Full Coverage $1,789.76
Sport Minimum $574.76
Full Coverage $8,471.76



Farmers Motorcycle Insurance Reviews

Farmers Insurance has mixed customer reviews. It has a 1.47 out of 5-star rating from customers on the BBB and a 3.5-star rating on Trustpilot. However, there are only a few reviews on each site, so this shouldn’t be taken as an indication of how all customers feel about the company. 

Negative reviews say the claims process can be longer than expected, or that prices can rise without explanation. Positive reviews say agents provide great customer service. Here are a couple of example reviews: 

“Great service, best rates around. I have shopped and I've shopped. No one can beat them. My Farmers agent goes above and beyond. I love that they call me every year to make sure that nothing has changed and check in. They also send birthday cards. So sweet, really a personal touch!”

- Kaleb H. via BBB

“After being pressured to take my truck to their preferred body shop, I'm still waiting and it's been five weeks. A repair that should have taken one week, ten says at most, has dragged on for over a month with no end in sight.”

- Anthony A. via BBB



Farmers Motorcycle Insurance: 4.0 Stars

We rate Farmers motorcycle insurance 4.0 stars overall. The company has a solid reputation and good financial ratings. It has mixed customer reviews, but the number of reviews is small compared to the number of its customers. At the end of the day, many riders can find good coverage options with Farmers. 



Our Recommendations For Motorcycle Insurance

The best way to find the right motorcycle insurance coverage is to compare quotes from multiple providers. Different companies weigh aspects of your rider profile differently, so don’t assume you won’t find a lower price if the first place you look seems expensive. You can use our free tool below to compare motorcycle insurance quotes from top companies in your area, or read on to learn more about two of our highest-rated recommendations.


Geico Insurance logo

Geico: Best Overall

After reviewing quotes from multiple providers, we found that Geico motorcycle insurance was the cheapest option overall. We also recommend Geico as the best provider considering its combination of coverage options, good customer service, and strong reputation. 

Geico offers the standard motorcycle insurance options plus coverage for safety equipment, accessories, and roadside assistance. The sky's the limit when it comes to setting coverage amounts, as well. Geico also has an A+ rating from the BBB and an A++ financial strength rating from AM Best. 

State Farm Insurance logo

State Farm: Best Local Agents

If you’d rather have a local agent help you with deciding what type of coverage to get, then State Farm motorcycle insurance is a great option. When you work with an agent, they can make sure you choose the right coverage and get all the discounts that are available to you. 

State Farm offers a good range of motorcycle insurance coverage that can include sidecars and safety equipment. Since it focuses on using local agents, State Farm is known for smooth insurance claims and personalized service.