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Motorcycle insurance quotes
Affordable motorcycle insurance,
customized for you.
Did you know you could save more when you bundle your motorcycle and auto policies? Start your free motorcycle insurance quote to see how much you could save.
You can save when you only pay for what you need.
We'll help you find the motorcycle insurance discounts you qualify for.
We've been helping insure the things you love for over 100 years!
Save money with these motorcycle insurance discounts
You'll save if you've completed an approved safety course within the past 3 years.1
Our Multi-Bike Discount ensures you receive the best value with minimal hassle when managing your motorcycle insurance.2
We recognize the importance of vehicle safety features and offer savings for features such as anti-theft, anti-lock brakes, electronic stability control, daytime running lights, rearview camera, etc.1
Bundle your insurance,
more like bundle of savings!
We also make it fast and easy for you to get a quote. Check out why people have trusted us with their insurance needs for over 100 years!
Customized motorcycle insurance coverage built for you
Liability coverages
Vehicle coverages
Optional coverages
Understand your motorcycle coverage options
Coverage | Real life example | Standard | Add-on |
| Collision | You damage your motorcycle/bike when you hit a car door. This will help you get it repaired. | ||
| Bodily Injury Liability | You injure another motorcyclist while riding. This will help cover their medical bills.3 | ||
| Better Car Replacement™ | If your motorcycle/bike is totaled, we'll give you the money for a model that's one year newer.4 | ||
| New Bike Replacement Coverage | If your new motorcycle/bike is stolen or totaled within the first year, we'll give you the money to buy a brand-new motorcycle/bike, not just the depreciated value.5 | ||
| 24-Hour Roadside Assistance | If your motorcycle/bike breaks down, we won't leave you stranded. From a jump-start to a guaranteed flatbed tow, our 24-Hour Roadside Assistance will get you moving again.6 |
Why choose Liberty Mutual for motorcycle insurance?
Savings? We've got those too! You could save when you bundle your policies.
Start your quote today, to see how much you could save on motorcycle insurance when you only pay for what you need.
Get the Liberty Mutual app today!
The fastest, easiest way to manage your insurance.
Access your ID cards8
Save your ID cards to your device so you have them where you need them, when you need them.
Pay and manage bills
Pay your bills, enroll in Autopay, and update billing preferences in a few easy taps.
File and track claims
From requesting Roadside Assistance to filing a claim in minutes, we're here when you need us.
Common questions about 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.
Just like car insurance, the value of your motorcycle can impact the cost of your insurance. If you ride a more expensive bike, you can expect your cost to be a bit higher compared to a less expensive one.
Motorcycle insurance is normally cheaper than auto insurance. A typical motorcycle policy costs about $33 per month or $400 per year.9 The amount you pay for a motorcycle policy is based on many factors including
- Location
- Driving history
- Features of your bike
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.
At Liberty Mutual, we insure a wide range of motorcycle sizes and types. From cruisers to tour-sport bikes 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
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 Replacement™
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
- Manage your policy
- 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.
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.
No, a motorcycle license isn't required to get motorcycle insurance. That being said, most insurance companies will require it, and most states require a motorcycle license depending on bike type. You'll want to shop around to find out what works best for you.