Motorcycle Insurance

Only pay for what you need to keep riding

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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 Replacement1
  • Accessory Coverage2
  • 24-Hour Roadside Assistance4

Discounts that help you save

Bundle

Bundle & Save

Save when you bundle your motorcycle insurance with your auto, home, or life policy.
Savings Discount

Safety Course Discount

You’ll save if you’ve completed an approved safety course within the past 3 years.
Motorcycle

Experienced Rider

We’ll give you a discount if you’ve had your motorcycle license for 3 years or more.

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Better Bike ReplacementTM

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 applied1.

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 down1.

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.

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.