Save money with these motorcycle insurance discounts
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Safety Course Discount
Motorcycle Safety Features Discount
What is motorcycle insurance?
Motorcycle insurance helps protect you and your motorcycle if you're in an accident. In general, motorcycle insurance can help pay for damages and/or injuries you may cause due to an at-fault accident. These Liability Coverages are required in most states, but the amount needed can vary.
You can also get Collision Coverage to help pay for damage to your motorcycle from hitting another vehicle or object. See how much you could save on motorcycle insurance with Liberty Mutual when you get a customized policy, so you only pay for what you need.
How does motorcycle insurance work?
Motorcycle insurance is a contract between you and your insurance company. The quick version is
- You pay a premium (money) to your insurance company
- In return, the insurance company promises to cover future damages (per the contract)
What does motorcycle insurance cover?
Motorcycle insurance can be broken into 3 parts.First, you have Liability Coverage that helps pay for damages and injuries to others. These coverages include
- Property Damage
- Bodily Injury
- Collision Coverage
- Comprehensive Coverage
- Medical Payments
- Better Bike ReplacementTM
- New Bike Replacement Coverage
- 24-Hour Roadside Assistance
Although there's no coverage called “full coverage” motorcycle insurance, when people talk refer to this, they mean having Liability Coverage with a mix of optional coverages.
How much is motorcycle insurance?Motorcycle insurance is normally cheaper than auto insurance. A typical motorcycle policy costs $20 – $100 per month2. The amount you pay for a motorcycle policy is based on many factors including
- Driving history
- Features of your bike
Is motorcycle insurance required?
Yes, in most states you're required to have motorcycle insurance to legally drive your bike on the road. These requirements normally follow the same coverage and limits required for auto insurance and vary by state.
In most cases you'll need at least
- Bodily Injury Liability
- Property Damage Liability
You can check your state's coverage requirements on our state pages for more info.
What types of motorcycles or bikes are covered by Liberty Mutual?
At Liberty Mutual, we insure a wide range of motorcycle sizes and types. From cruisers to tour-sport bikes, to golfcarts, we've got you covered.
- Cruisers like the Harley-Davidson Fat Bob or the Indian Chief
- Tour and tour-sport bikes like the Honda Goldwing and the Kawasaki Voyager
- Sport and super-sport bikes like the Honda CBR and the Suzuki GSXR
- Dual, off-road and dirt bikes, scooters, and mopeds
How to compare motorcycle insurance companies
When comparing motorcycle insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best motorcycle insurance or the cheapest motorcycle insurance. That's because there are common coverages most states require like
- Personal Liability
- Bodily Injury Liability to others
There are also recommended coverages based on the state you live in.
Tips for comparing motorcycle insurance quotes
- Compare coverages and make sure the options meet your needs
- Choose the same deductibles because they can affect your quote prices
- Optional coverages can affect your price like Better Bike ReplacementTM
When comparing motorcycle insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make motorcycle insurance easy. Our fast and easy quotes let you customize your motorcycle coverages so you only pay for what you need.
At Liberty Mutual you'll also get our free and easy to use mobile app that lets you
- Make a payment
- Update preferences
- File a claim anywhere, any time
These are just a few ways Liberty Mutual helps make motorcycle insurance easy.
Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.
Download our app - the easiest way to manage your policy
Access your ID cards
Pay and manage bills
File and track claims
- Access your ID cards
- Pay and manage bills
- File and track claims
- ...and more!
Understand your motorcycle coverage options
Motorcycle insurance FAQs
Just like car insurance, the value of your motorcycle can impact the cost of your insurance, just as an expensive car would an auto policy. If you ride a more expensive bike, you can expect your cost to be bit higher compared to a less expensive one.
Most states require motorcycle insurance. You may even need proof of insurance to register your motorcycle.
Yes, motorcycle insurance can help cover you if your bike is stolen, if you have the right coverage. Most policies handle theft through Comprehensive Coverage.
For injuries to yourself, you need to add medical coverage. This is either Med Pay or PIP depending on the state you live in. These optional coverages can help you pay for medical bills if you're injured in an accident regardless of fault.