Motorcycle Insurance
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What comes standard
The coverage you need
Collision
Comprehensive
Liability
New Bike Replacement3
Add-on protection & coverage
For more peace of mind
Better Bike ReplacementTM 1
Accessory Coverage2
24-Hour Roadside Assistance4
Discounts that help you save
Bundle & Save
Save when you bundle your motorcycle insurance with your auto, home, or life policy.
Safety Course Discount8
You'll save if you've completed an approved safety course within the past 3 years.
Experienced Rider9
We'll give you a discount if you've had your motorcycle license for 3 years or more.
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Coverage Details
Better Bike ReplacementTM 1
Exclusively through Liberty Mutual, you can purchase total loss coverage that would get you the money not just for a replacement motorcycle—but for a motorcycle that is one model year newer with 2,500 fewer miles than your current motorcycle.

Accessory Coverage2
Enhancements and equipment permanently installed on your bike are covered when you select this coverage. Basic coverage is included at no additional cost when you purchase Comprehensive or Collision coverage, and additional coverage is available.

New Bike Replacement Coverage3
If your new motorcycle is stolen or declared a total loss within the first year, we'll give you the money to buy a brand new motorcycle—no depreciation applied.

24-Hour Roadside Assistance4
If your motorcycle ever breaks down, we won't leave you stranded. From a jump start to a tow, our optional 24-Hour Roadside Assistance will get you moving again with a tow on a flatbed to ensure safety of your bike if it breaks down.

Accident Forgiveness5
With Accident Forgiveness, your price won't go up due to your first accident. We offer this benefit if you are accident free and violation free for five years, whether you've been with Liberty Mutual Insurance or a prior insurance carrier.
All motorcycle discounts
Multi-Policy Discount6
If you have more than one policy with us, you get additional protection and savings. That's just one benefit of having another Liberty Mutual policy, such as Auto, Home, Life, Condo, Renters or Umbrella.

Exclusive Group Savings
You can save on the cost of motorcycle insurance if you’re a member or employee of any of the more than 14,000 employers, groups, credit unions, or alumni associations that are a part of Liberty Mutual's affinity program.

Preferred Payment Methods Discount7
We offer several convenient billing options, so you can choose what works best for you. Plus, you get special savings when you pay your bill in full or choose a qualifying automatic payment method, such as Electronic Funds Transfer.

Safety Course Discount8
You'll save on your premium when you complete a Liberty Mutual-approved motorcycle safety course.

Experienced Riders Save9
If you've had a motorcycle license for 3 or more years, you'll receive additional savings.

Motorcycle Safety Features Discount10
We offer savings for standard features such as anti-theft and anti-lock brakes

Multi-Bike Discount11
Insure all your bikes on the same policy with Liberty Mutual and we'll show you the savings.
1Optional coverage in some states. Availability varies by state and eligibility rules apply.
2Availability varies by state and eligibility rules apply.
3Availability varies by state and eligibility rules apply.
4Coverage 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.
5ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.
6Discounts and savings available where state laws and regulations allow. Restrictions apply.
7Availability of Preferred Contractor Network may vary by state.
8Discounts and savings available where state laws and regulations allow. Conditions apply.
9Discounts and savings available where state laws and regulations allow. Conditions apply.
10Discounts 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.
11Discounts 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.