What comes standard
Add-on protection & coverage
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.
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.
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.
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
Insure all your bikes on the same policy with Liberty Mutual and we'll show you the savings.