Motorcycle Discounts and Savings

Save Money at Every Turn

Safeco offers safe riders significant savings through a variety of discounts and benefits. Take care of yourself and your bike. Talk with your local Safeco agent about how you can save up to 40 percent on your motorcycle insurance with potential discounts. While you’re at it, ask about savings for ATV, golf cart, snowmobile and scooter insurance, too.

Be a Safe Rider. Get a Discount.

Take a Motorcycle Safety Course

Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course and we’ll give you a discount that lasts for three years.

Join a Riding Club or Group

Be an active member in one of 24 approved motorcycle riding clubs and association groups and get a discount.

Ride More

Pay lower rates for your years of riding experience. The longer you’ve been riding, the lower your motorcycle insurance bill. Discounts are available for one to two years, three years, four years and more than four years of riding experience. Keep riding. 

Garage Your Bike

Keep your motorcycle locked in a secured structure overnight. If you care about your ride enough to give it a safe place to stay, we’ll give you a discount.

Own Your Own Home

Save up to 20 percent when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.

More Ways to Save

Talk to your local Safeco agent about more ways to save on your motorcycle insurance. It’s possible to lower your rate if you:

  • Insure more than one bike
  • Also insure your car, home or boat with Safeco
  • Maintain continuous coverage
  • Are a homeowner
  • Pay your bill in full
  • Make a claim-free renewal
  • Have a theft recovery device or anti-lock brakes
  • Have multiple years of riding experience

How to Lower Your Motorcycle Insurance Costs

Spending less money is much easier than perfecting your tight turns at high speeds on a gravel road.

Increase Your Deductible

You can lower your motorcycle insurance premium by shifting part of the loss payment to yourself. For example, if you had a $500 deductible, you would need to pay the first $500 of a covered loss. A higher deductible will generally lower your premium, but increase the amount you must pay yourself if a loss occurs.

Pay Your Bill in Full

Pay your bill off in full when you start or renew a policy instead of paying in monthly installments.

Talk to your local Safeco agent about other discounts and ways to save that could help reduce how much you pay for your motorcycle insurance.

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© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.