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What to Know
Foremost is available in 48 states and Washington, D.C., leaving out Hawaii and Massachusetts.
Not everything on Foremost's coverage list comes standard. Total loss replacement cost, personal effects at replacement cost and rental coverage are tied to the Elite package, and towing and roadside assistance are optional. Ask which package your quote is built on.
You can get a quote online, but you can't finish the purchase online.
Foremost Motorcycle Insurance
Best for Customer Satisfaction- Discounts
- 3
- Online Quotes
- Online Policy Purchase
Why We Like Foremost
Foremost covers the extra value riders add to a motorcycle. That includes optional equipment coverage for custom parts, paint and chrome, plus coverage for helmets and safety apparel. It also covers how people use bikes beyond the commute, with transport trailer coverage, track day coverage and trip interruption coverage. If you already have a policy with Foremost or another Farmers-affiliated company, including Bristol West, you can qualify for a multi-policy discount.
Pros and Cons
Pros
- Fewest customer complaints in our study
- Custom parts coverage up to $30,000
Cons
- No online policy purchases
Solvable's Take on Foremost Motorcycle Insurance
Foremost makes the most sense when your bike is worth more than its sticker price. That covers an aftermarket exhaust, custom paint, chrome, a trailer behind the truck, or riding gear you'd hate to replace out of pocket. Foremost's coverage list is built around those things.
The optional equipment limit still needs some math. For example, a rider with $34,000 in custom parts and paint would have $4,000 of that work outside the cap. Add up what you've spent on the bike before you choose a limit.
A household with two bikes can use the multi-vehicle discount. A rider whose car is insured with a Farmers-affiliated company can add the multi-policy discount.
The weak spot is the buyer who just financed a new motorcycle. Gap insurance pays the difference between what you owe on your loan and what the bike is worth if it's totaled. Foremost doesn't offer it. Here's a hypothetical: you owe $14,000, the bike is valued at $11,000 when it's totaled, and you're left owing $3,000 on a motorcycle you no longer have.
Foremost's closest feature is total loss replacement cost, which is meant to replace the bike rather than pay what it's worth after depreciation. That's a different job from paying off a loan. It's also limited to the Elite package, and Foremost's published details don't say which motorcycles qualify. So a heavily customized bike financed for more than it would sell for on the market can end up with the least protection on the policy, even though Foremost's add-ons are aimed at exactly that rider.
You can't buy gap coverage from Foremost, but you can ask your lender or dealer whether they sell it on motorcycle loans before you sign. Ask Foremost in writing whether your bike is eligible for total loss replacement cost.
On a stock commuter bike, much of Foremost's coverage list covers things you don't own, so compare quotes on the coverage you'd use.
Foremost Motorcycle Insurance Discounts
Foremost lists three motorcycle insurance discounts. The multi-policy discount helps most if you want to bundle motorcycle and auto insurance with a Farmers-affiliated company. The endorsement discount applies if you have a motorcycle endorsement on your license.
- Multi-vehicle discount
- Multi-policy discount (across Farmers-affiliated companies, including Bristol West)
- Motorcycle endorsement discount
Foremost Motorcycle Insurance Coverage
Liability coverage
Liability pays for injuries and property damage you cause to other people in a crash you're responsible for.
Collision and comprehensive coverage
Collision pays to repair or replace your bike after a crash, and comprehensive covers damage from non-collision incidents. An estimated 86,887 motorcyclists were injured in U.S. crashes in 2024, up 5.2% from 2023, according to the National Highway Traffic Safety Administration (NHTSA). Lenders typically require both coverages on a financed bike.
Optional equipment coverage
This pays for custom parts, paint and chrome, up to a set coverage limit. Price your upgrades before you pick a limit.
Helmets, safety apparel and personal effects
Foremost covers your helmet and riding gear. Personal effects at replacement cost is an Elite coverage, so that it won't appear on a lower-package quote.
Total loss replacement cost and rental (Elite)
Both coverages come only with the Elite package. If total loss replacement cost is part of your reason for choosing Foremost, confirm that your bike qualifies before you buy.
Trailer, track day, trip interruption and roadside
Transport trailer coverage is available, and Foremost also lists track day and trip interruption coverage. Towing and roadside assistance are optional add-ons.
Frequently Asked Questions
Is Foremost good insurance for motorcycles?
Foremost insurance fits well if your motorcycle carries custom parts, gear, a trailer, or sees track days, since it offers optional equipment coverage and dedicated track day coverage.
Does Foremost offer gap insurance for motorcycles?
No. Foremost's motorcycle insurance doesn't include gap insurance, which pays the difference between your loan balance and what the bike is worth after a total loss. If you're financing a new motorcycle, line up gap coverage from another source before you buy.
Can I buy Foremost motorcycle insurance online?
You can get a quote online, but Foremost doesn't let you complete the purchase there. Expect to speak with an agent before the policy is in place.
Can I bundle motorcycle and auto insurance with Foremost?
Foremost offers a multi-policy discount across Farmers-affiliated companies, including Bristol West, so pairing your motorcycle policy with a car policy through one of those companies may qualify. A separate multi-vehicle discount is also available if you insure more than one bike or vehicle directly with Foremost. Ask your agent which discount applies.
Where is Foremost motorcycle insurance available?
Foremost sells motorcycle insurance in 48 states and Washington, D.C. It is not available in Hawaii or Massachusetts.
