Motorcycle Insurance Cost and Coverage

Liberty Mutual has you and your ride covered.

motorcycles protected by motorcycle coverage
Cruise with confidence with these coverages
Your bike is a major investment, and Liberty Mutual can help you protect it with a number of coverage options in addition to liability, collision and comprehensive. Choose the motorcycle insurance coverage that works best for you and your riding style.

+Better Bike Replacement™-Better Bike Replacement™Better Bike Replacement™
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 Coverage-Accessory CoverageAccessory Coverage
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.1

+New Bike Replacement Coverage-New Bike Replacement CoverageNew Bike Replacement Coverage
If your new motorcycle2 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 Assistance-24-Hour Roadside Assistance24-Hour Roadside Assistance
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.3

+Accident Forgiveness-Accident ForgivenessAccident Forgiveness
With Accident Forgiveness, we won't raise your price due to your first accident if your driving record is accident-free and violation-free for five years, whether you've been with Liberty Mutual or a prior insurance carrier.4

Curious about how much Motorcycle Insurance will cost you? Please contact us directly to discuss or purchase Motorcycle Insurance.
Call for a Quote 1-888-670-3366 or Contact a Local Agent.
Ride with savings5
With multiple discounts connected to your bike, you could save money on our already competitive rates. See if you qualify for one or more of the discounts below and discover how affordable motorcycle insurance can be.

+Multi-Policy Discount-Multi-Policy DiscountMulti-Policy Discount
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-Exclusive Group SavingsExclusive Group Savings
Save on the cost of motorcycle insurance if you are 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 Discount-Preferred Payment Methods DiscountPreferred Payment Methods Discount
With several convenient billing options, you can choose what works best for you. Plus, you could get special savings when you pay your bill in full or choose one of our automatic payment methods.6

+New to Liberty Mutual Vehicle Discount-New to Liberty Mutual Vehicle DiscountNew to Liberty Mutual Vehicle Discount
When you add or change a vehicle on your policy, you'll not only enjoy personalized service and expert advice, you'll receive savings on your premium.

+Course Discount-Course DiscountCourse Discount
When you complete a Liberty Mutual-approved motorcycle safety course.

+Experienced Riders Save-Experienced Riders SaveExperienced Riders Save
If you've had a motorcycle license for three or more years, you'll receive additional savings.

+Vehicle Safety Features Discount-Vehicle Safety Features DiscountVehicle Safety Features Discount
We offer savings for standard features such as anti-theft and anti-lock brakes.

+Multi-Bike Discount-Multi-Bike DiscountMulti-Bike Discount
It pays to have multiple motorcycles listed on the same policy.

+Life Event Discount-Life Event DiscountLife Event Discount
Graduating, recently married, moving, or just retired? Recent life events can qualify you for a discount on your motorcycle insurance.

1 Availability varies by state and eligibility rules apply.

2 "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.

3 Coverage 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.


5 Discounts 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.

6 Availability of Preferred Contractor Network may vary by state.

The descriptions of coverages listed on this website are necessarily brief and are subject to the provisions, limitations and exclusions that can only be expressed in the policy and related endorsements. Benefits and services outlined on this website are provided at no additional cost unless otherwise specified. Discounts, credits and benefits are available where state laws and regulations allow and may vary by state. Please contact your insurance representative for additional details.