Custom Coverage Options

Whether you are buying your first bike or have been riding for years, you have worked hard for the chance to hit the open road. You deserve to ride without the worries that come with insufficient insurance coverage. Getting the right coverage means considering your individual needs, such as protecting your investment in accessories, guarding against theft, and being able to get assistance while you are out on the road.

Please call 1-888-413-3727 or contact a local agent to customize a motorcycle insurance policy that works best for you.
  • New Motorcycle Replacement

    Standard Coverage

    If your motorcycle is under a year old and is stolen or declared a total loss, we'll give you the money for a brand-new one.1

  • Accessory Coverage

    Additional Coverage

    Covers custom enhancements and equipment you've permanently installed on your motorcycle. Available at no additional cost when you purchase Collision or Comprehensive coverage.2

  • Better Bike Replacement

    Additional Coverage

    Get the money for a motorcycle that's one model year newer with 2,500 fewer miles than your old one.

  • 24-Hour Roadside Assistance

    Additional Coverage

    From jump-starts to tows, we've got you covered if you ever break down.3

Many Ways to Save Money

Liberty Mutual offers Motorcycle Insurance for 12-month terms, so you're covered for the entire year at the same affordable rate. Some of our motorcycle discounts4 are built right into your policy, while others are determined on an individual basis. You can save in the following ways:
1"New" motorcycles are less than one year old, have fewer than 2,500 miles and have had no previous owner. Benefit applies to a total loss covered by collision or comprehensive coverage less applicable deductible. This program does not apply to leased vehicles and it is not available in all states.
2Multi-bike Discount, Safety Course Discount, Experienced Rider Discount, Accessory Coverage and Towing and Labor Coverage not available in all states. Ask a Liberty Mutual representative for details. The descriptions of coverages and features are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements.
3Coverage 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.
4Discounts and savings available where state laws and regulations allow. Restrictions apply.
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