Esurance Motorcycle and ATV Insurance Overview

Founded in 1999, Esurance is a digital-based company that offers multiple types of insurance including plans for cars, motorcycles, boats, RVs, classic vehicles, commercial autos and even golf carts. Additionally, the company offers property insurance for homeowners and renters and offers some specialty insurance products including coverage of pets and cell phones. Esurance’s parent company is Allstate, which is an industry leader that has more than $130 billion in assets.

With Esurance, motorcycle insurance policies can cover standard motorcycles, ATVs, scooters, mopeds, street-sport bikes, high-performance bikes, limited-production or custom bikes, cruisers, touring or sport-touring bikes, vintage bikes, motocross bikes and off-road/dual-purpose bikes.

What Are Esurance’s Ratings for Motorcycle and ATV Insurance?

When Esurance has been reviewed by independent institutions, the resulting ratings have been high. The insurance company has been given an A+ from A.M. Best and an A+ from the BBB.

What Motorcycle and ATV Insurance Coverage Does Esurance Offer?

With Esurance, insurance plans for motorcycles and ATVs can include the following types of coverage:

- Liability insurance.

- Comprehensive and collision coverage.

- Total loss coverage.

- Medical payments coverage.

- Optional equipment coverage.

- Trip interruption coverage.

- Uninsured/underinsured motorist coverage.

- Towing and labor coverage.

How Does Esurance Compare with Other Motorcycle and ATV Insurance Companies?

With Esurance’s motorcycle insurance policies, customers can insure all sorts of recreational toys--everything from segways to snowmobiles. The company offers customizable plans, money-saving discounts and 24/7 claims services. Whether you want a minimal amount of coverage or premium protection, Esurance can help.

  • AM Best Financial Strength Rating
  • Rental Reimbursement
  • Collision
  • Comprehensive
  • Medical Payments
  • Property Damage
  • Uninsured Motorist
  • Optional Equipment Coverage
  • Trip Interruption Coverage
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0 votes

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 bunch of money. So happy with them at the moment.

0 votes

The customer service with Esurance is great. Their customer service is available 24/7, which is super convenient for people like me (who like to ride at all times of the night). I have them for my motorcycle, and when I went for a late night ride a while back, they were there to take my claim when I was in an accident. It was just a little fender bender, but at almost midnight, I didn't expect to get through to anyone. I did, and they were awesome. I'd definitely recommend ... them. More Less

0 votes

This company has been providing my family with great motorcycle coverage for years now. We all ride: me, my wife, my son, and two daughters, and own three bikes between us. My wife wanted to add a moped to that mix, and lo and behold, Esurance provides insurance for those as well. I think they also cover scooters, which is pretty cool. They gave us a great rate, and we couldn't recommend them more highly.

0 votes

Hands down the best insurance for motorcycles! I recently bought a pretty expensive, shiny new motorcycle. I got insurance through Esurance, and they told me about their new motorcycle protection program. Basically, if anything happens to your bike, you can get a new one. They pay the MSRP! Just so happened that my bike was caught in an accident, while it was propped on the side walk. Because the car just crashed into my bike, Esurance provided me with the funds to get another. Great!!!

0 votes

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 cover more. They. Are. Awesome.

0 votes

I only began riding motorcycles after meeting my boyfriend two years ago, and have loved it ever since. I always make sure to have great insurance and coverage for everything I own, so when I invested in my own motorcycle (instead of tagging along on the back of my boyfriends), I did boat loads of research. Esurance offers not only collision coverage, but insures you for things like vandalism. I don't expect anyone to vandalize my motorcycle, but hey, you never know!

0 votes

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 is not the kind of insurance you see every day.

0 votes

I don't think Esurance could be any easier. I really like that they do most of their insurance online, so there is minimal paperwork involved. I have them for my motorcycle, and they offer great coverage. I applied for my policy online, providing all of the necessary information. I only had to speak with a customer service representative once, and they were extremely helpful and patient with me. They really are a good insurance company.

0 votes

The fact that Esurance can insure my standard motorcycle as well as my DIRT BIKE is amazing! I spoke with them and asked about all of their options regarding coverage. They told me about the other types of bikes they insure, and I was in shock! I didn't know it was possible to get coverage on my dirt bike, which next to my actual motorcycle, was like my baby. They've been great, and I think I'll stick with them for my bike insurance needs for quite a while.

0 votes

I've been riding motorcycles my entire life, and finding a good insurance company has been difficult. My husband recently got on the bandwagon, and insisted that I get better insurance to protect myself and my bike. I looked to Esurance after friends recommended it, and have never looked back. They were able to cover my specific model, which has been turned down by other insurance companies in the past. They provide great coverage at an even better price.

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