motorcycle insurance coverage details and discounts

Get the coverage you need to enjoy the ride.

man working on his motorcycle
There are as many kinds of motorcycles as there are riders. And as the popularity of motorcycling continues to grow, especially among women, more styles and sizes of bikes come onto the market each year. Whether you’re into cruisers, choppers, sport cycles, touring bikes, scooters, or dirt bikes Safeco has the coverage you need to properly protect it. We also offer discounts to reward safe and experienced riders like you.1
Get a Quote
Motorcycle Insurance Discounts & Savings Options
Since you’re a safe and responsible rider, you have many ways to reduce the cost of motorcycle insurance. Talk with your local independent agent about how you could save nearly 50% on your premiums by doing the following:

+Take a Motorcycle Safety Course-Take a Motorcycle Safety CourseTake a Motorcycle Safety Course
You'll get a discount that lasts three years when you complete a course from the Motorcycle Safety Foundation or other approved organization.
+Join a Riding Club-Join a Riding ClubJoin a Riding Club
Safeco will reward you with a discount for maintaining active membership in one of 24 approved riding clubs across the U.S.
+Go for a Ride-Go for a RideGo for a Ride
Experienced motorcyclists are safer riders. And the longer you ride without a claim, the lower your premiums. Bonus! We’ll even automatically adjust your policy for age and riding experience each year at renewal time to make sure you have the lowest possible premiums. So you can keep doing what you love, knowing you’re getting great coverage and outstanding value.
+Store Your Bike in a Garage-Store Your Bike in a GarageStore Your Bike in a Garage
You get a discount for storing your bike in a locked garage or other secure location.
+Own Your Home-Own Your HomeOwn Your Home
You can save big on motorcycle insurance if you own your own home, townhouse, condominium, or mobile home.
+Theft Recovery and Anti-Lock Brakes-Theft Recovery and Anti-Lock BrakesTheft Recovery and Anti-Lock Brakes
Having features such as a theft recovery device or anti-lock brakes on your motorcycle helps lower your rates.
+Shop Ahead of Time-Shop Ahead of TimeShop Ahead of Time
Receive a quote one or more days ahead of the policy effective date and automatically receive a discount. You’ll receive the biggest discount if you shop eight or more days in advance.
Even More Ways to Save
Other ways to save on your monthly premiums include:

  • Insuring more than one motorcycle with Safeco.
  • Carrying other Safeco policies including home, auto, umbrella, or specialty.
  • Maintaining continuous coverage.
  • Paying your bill in full.
  • Making a claim-free renewal.
  • Choosing a higher deductible, which generally lowers your monthly premiums.

Find a Local Independent Agent
Are you looking for a quick quote or more information? Talk with a knowledgeable independent Safeco agent about getting the perfect motorcycle policy for your needs.
1Product offerings not available in all states. Qualifications and conditions apply.