Last Updated: 04/18/2025
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Financial Strength Rating
A+(Verified 04/18/2025)
Esurance Motorcycle & ATV Insurance Review
Esurance Motorcycle & ATV Insurance is an insurance carrier based in San Francisco, CA. The company was founded in 1999 and offers motorcycle and ATV insurance in 43 states in the USA.
Esurance Motorcycle & ATV Insurance FAQ
What types of motorcycle and ATV insurance coverage does Esurance Motorcycle & ATV Insurance offer?
Although we often talk about motorcycle insurance in the singular, it really includes several types of coverage.
Esurance Motorcycle & ATV Insurance customers can also add the following riders or endorsements to their policies:
- Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most motorcycle and ATV insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
- Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can no longer use your vehicle because of a covered loss, such as an accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your motorcycle or ATV and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
- Transport Trailer Coverage: This covers non-motorized trailers towed by a vehicle. If they are damaged or cause damages in an accident this policy will cover the costs.
What benefits does Esurance Motorcycle & ATV Insurance offer?
Esurance Motorcycle & ATV Insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What discounts can you ask for when applying for a policy with Esurance Motorcycle & ATV Insurance?
When you ask for a quote with Esurance Motorcycle & ATV Insurance, make sure you ask for all the discounts you qualify for. These are the discounts currently available.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums.
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Esurance Motorcycle & ATV Insurance.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
6:00AM - 12:00AM
Monday
6:00AM - 12:00AM
Tuesday
6:00AM - 12:00AM
Wednesday
6:00AM - 12:00AM
Thursday
6:00AM - 12:00AM
Friday
6:00AM - 12:00AM
Saturday
6:00AM - 12:00AM
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SuperMoney Net Recommendation Score
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Esurance Motorcycle & ATV Insurance Community Reviews
Would you recommend Esurance Motorcycle & ATV Insurance to your friends?
OD
Oludare D.
Oct 29, 2020
May or may not recommend
I had to get insurance for my motorcycle. I am really happy I chose Esurance as they are easy to work with, and they have helped me out whenever I have claims regarding my bike. Sometimes, getting in touch with them takes time, but once I’m in touch, they answered all my claims with assurance. The multiple discounts they offered are also fascinating, making the whole process easy and painless. ...Show More
U
Anonymous
Mar 11, 2015
May or may not recommend
Esurance offers the most comprehensive insurance for motorcycles that I have ever seen. I have my motorcycle insured through them, as well as my helmet. You may think it's silly to pay insurance for a helmet, but I've had it since I started riding, and it's very sentimental to me. A buddy of mine also has Esurance, and they cover bike customizations as well. It's pretty cool, considering this ...Show More
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Anonymous
Mar 11, 2015
May or may not recommend
Esurance covers scooters, which is awesome! I've always had a motorcycle, but recently got into scooters. Since they are NOT cheap to buy, I really wanted some sort of coverage, just in case. I called up Esurance, who had been my motorcycle insurance provider, and they put my scooter on my insurance, with no problem! They also offer all of these awesome add on options, in case you want to ...Show More
U
Anonymous
Mar 11, 2015
May or may not recommend
I love the fact that Esurance offers a discount if you pay your insurance premium up front. With a motorcycle as my main method of transportation, it's hard to find deals and discounts for insurance. After searching around, I found that Esurance offered a discount if you pay your premium up front, instead of making monthly payments. I had the means to do this, and in return, I saved a ...Show More
Showing 4 of 4 reviews