Motorcycle Insurance Features and Coverage Options

Be Safe. Get the Coverage You Need to Enjoy the Ride.

Your motorcycle is one of your most prized possessions. You and your ride deserve special attention and protection. Because many of us are riders too, we understand the importance of bike safety. Safeco protects you and your motorcycle in ways that many other insurance companies don’t. Plus, get insurance coverage for your ATV, scooter, golf cart or snowmobile, too.

Your local Safeco agent can offer personal advice about product availability in your area and how much coverage is right for you.

What Makes Us Different

Helmet, Jacket, Boots and Gloves

We’ve got you covered. Safeco provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge and no deductible. This coverage is also included with liability only polices—something no other insurance company offers.

New Harley® Replacement

You’ve been saving up for that new Road King® for years. Don’t let all your hard work go to waste. Two-year replacement cost coverage for your new Harley-Davidson® motorcycle is included as stock coverage with every Safeco motorcycle policy. You’re covered.

Popular Coverage Options

Customize Your Motorcycle Insurance

Safeco gives you the flexibility to choose the coverage that’s right for you to get out there and enjoy the open road. Choose motorcycle insurance coverage that’s right for you with the help of your local Safeco agent.

Custom Parts and Equipment

Optional custom parts coverage is available up to $20,000 per bike. Your first $3,000 in coverage is provided automatically at no extra charge when you choose this option. That’s some serious custom work.

Roadside Assistance

Trip interruption benefits are automatically included as part of motorcycle Roadside Assistance, which also covers towing to the nearest qualified repair shop and other basic emergency services. We’ll help get you back on the road quickly if you break down.

Coverage Required in Most States

Mandatory motorcycle insurance requirements vary by state. Safeco motorcycle insurance policies are designed not only to satisfy all mandatory requirements but offer even more great coverage options. Talk to your local Safeco agent about the levels and type of motorcycle coverage required where you live.

Bodily Injury Liability

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures someone else, other than a guest passenger.

Guest Passenger Liability

Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.

Property Damage Liability

Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.

Coverage Required in Some States

Uninsured/Underinsured Motorist Coverage

Helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.

Even More Coverage Options


Helps pay for repairs or to replace your ride if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind and collision with an animal.


Helps pay for repairs to your motorcycle for damage caused by an accident.

Medical Payments

Helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, no matter who is at fault.

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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.