I too was hit by the allstate surcharge. I was given the stupid line of, "Well, motorcycles are more likely to be stolen, so that is why they have included a sur-charge." I live in Phoenix, AZ and have been with the same Allstate agent for about 6 years, then he feeds me this crap! I decided to leave Allstate and now I am insured with State Farm. I am a 26 female, and I pay about $150.00 a month for full coverage on my 91 CBR600, 2000 chevy S10, 99 Yamaha WR400 (dirtbike, lol) and life insurance. I was paying twice that amount with Allstate.