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Motorcycle Insurance

Coverage that keeps you cruising

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Get to know your motorcycle coverage options

We know you take pride in what you ride. Learn more about the unique coverages we offer below, then contact a local agent to discuss the right motorcycle coverage for you.

Coverage
Real-life scenario
Standard
Optional
Bodily Injury Liability
This helps pay for hospital bills, medical expenses, and other costs related to an accident you are responsible for that injures someone other than a guest passenger. 1
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Collision
You damage your motorcycle in a collision incident. This helps pay for repairs, regardless of who is at fault.
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24-hour Roadside Assistance
If your motorcycle/bike breaks down, we won’t leave you stranded. From a jump-start to a guaranteed flatbed tow, our optional 24-Hour Roadside Assistance will get you moving again.2
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OEM Manufacturer Parts Coverage
Coverage that guarantees customers will receive new [OEM] parts on their vehicle(s). 3
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Safety Apparel Coverage
If your safety apparel is damaged in a collision, we'll reimburse you for the items.4
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Harley Davidson Replacement Cost Provision
If your Harley-Davidson suffers a total loss, we'll pay the actual cash value for the motorcycle/bike, then up to the full amount of the cost in today's market.
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We offer so many more motorcycle coverage options at Safeco. Connect with a licensed independent agent near you to determine the best options for you and your vehicle.

You could save money with Safeco’s motorcycle discounts5

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Claims-Free

Offers a discount if you've been claims-free for 12 months in your prior term. (With or without Safeco.)
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Companion Policy

Offers a discount if you have another policy of any kind with Safeco.
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Safety Course discount

Offers a discount when you've completed an approved motorcycle/bike safety course within the past three years.

Enroll in Roadside Assistance for your motorcycle

Whether it’s a long trip with your cycle association or a casual Sunday ride on your local backroads, Safeco Roadside Assistance is here for you.

From towing to jumpstarts, emergency fluid delivery or another covered incident, enroll in Roadside Assistance when you purchase your motorcycle insurance policy. Connect with an agent today to learn more.

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Download the mobile app to access your motorcycle policy on your device

Take your policy on the road so you can:
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Obtain ID cards6
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Pay your bill
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View policy documents
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Get roadside help when you need it
Download the Safeco app

Start with a quote — finish with an agent

Common motorcycle insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact an agentto discuss motorcycle insurance today.

1Subject to claim.
2Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits.
3Included coverage. Comprehensive and/or Collision coverage required. May vary by state.
4Terms and conditions apply.
5Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.