motorcycle insurance

Ride on, we’ve got you covered.

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Motorcycles come in all shapes and sizes and chances are that Safeco motorcycle insurance covers it. Cruisers, choppers, sport cycles, touring bikes, dirt bikes, scooters, and mopeds are only some of the motorcycle types we insure. We’ll even cover your personal golf cart, all-terrain vehicle, or snowmobile. We get what riding is all about, because many of us are bikers too. Talk to your local independent agent to get the best combination of motorcycle insurance coverage, value, and price.
Motorcycle Insurance Coverage Options
Explore all that our motorcycle insurance has to offer, or customize it just for you. Get coverage that fits you and your bike, and enjoy the ride knowing you’re covered exactly the way you want to be.

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Motorcycle Insurance Discounts & Savings
We reward bikers who have been riding for multiple years, have taken a safety course or belong to a riding club, because we're also safe riders, just like you. Talk with your local independent agent about how you can save up to 40 percent on your motorcycle insurance.

+Take a Motorcycle Safety Course-Take a Motorcycle Safety CourseTake 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-Join a Riding Club or GroupJoin 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-Ride MoreRide 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-Garage Your BikeGarage 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-Own Your Own HomeOwn Your Own Home
Save up to 20 percent when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.
+Choose a Higher Deductible-Choose a Higher DeductibleChoose a Higher Deductible
Raising the amount you pay out-of-pocket for losses will reduce how much you pay for your policy premium. For example, if you have a $500 deductible, you’ll need to pay the first $500 of a covered loss. A higher deductible generally lowers your premium, but increases the amount you must pay out-of-pocket when you file a claim.
More Ways to Save
Talk to your local independent 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.
Frequently Asked Questions
+What is motorcycle insurance?-What is motorcycle insurance?What is motorcycle insurance?
A basic motorcycle insurance policy protects you and your ride by helping to pay for repairs and expenses related to damage and injury from an accident that you may or may not have caused. Optional coverage can be added for roadside assistance, trip interruption, and custom parts and equipment.
+What types of motorcycles does Safeco insure?-What types of motorcycles does Safeco insure?What types of motorcycles does Safeco insure?
Cruisers, tour and tour sport, sport and super sport, dual and off-road, four-wheel utility and sport all-terrain vehicles, scooters and mopeds, sport and touring snowmobiles, trikes, homemade and kit bikes, personal golf carts, and Segway® Personal Transporters (PT). Talk to your local independent agent about specifics in each category.
+I race my motorcycle. Is Safeco motorcycle insurance right for me?-I race my motorcycle. Is Safeco motorcycle insurance right for me?I race my motorcycle. Is Safeco motorcycle insurance right for me?
No. Safeco offers motorcycle insurance coverage for motorcycles that are not used for racing or speed contests, and for bikes that do not have nitrous oxide kits.
+Can I get a discount for taking a motorcycle safety class?-Can I get a discount for taking a motorcycle safety class?Can I get a discount for taking a motorcycle safety class?
Yes you can. Successfully complete a Motorcycle Safety Foundation or other approved motorcycle safety course to receive a discount for three years.
+Will I save money if I belong to a motorcycle association?-Will I save money if I belong to a motorcycle association?Will I save money if I belong to a motorcycle association?
Yes. Talk with your local independent agent about how you can save money with our wide range of discounts and savings.

Find a Local Independent Agent
A local independent Safeco agent can help you discover the motorcycle insurance coverage you need for your unique situation.