Group of motorcyclists riding down a desert road chasing the sunset

Motorcycle insurance quotes

See how much you could save on motorcycle insurance!
Call us at 888-413-3727 to start your motorcycle insurance quote.

Save money with these motorcycle insurance discounts

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Bundle and Save

Save when you bundle your motorcycle insurance with your auto, home, or renters policy.
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Safety Course Discount

You'll save if you've completed an approved safety course within the past 3 years.1
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Motorcycle Safety Features Discount

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

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

  1. You pay a premium (money) to your insurance company
  2. 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
Next, you have coverages that help pay for damages or injuries to you and/or your property. These can include
  • Collision Coverage
  • Comprehensive Coverage
  • Medical Payments
There are also additional coverages that you can buy that vary by company but can include
  • 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
  • Location
  • Driving history
  • Features of your bike

Bundle with your auto, home, or renters policy and see how much you could save!

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.

Get started creating your custom motorcycle insurance quote

Start my quote

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

QR code for mobile app
liberty torch
Open the camera on your phone, hold it up to the QR code, and tap the link to download.

Access your ID cards

Save them right to your device for proof of Insurance.3

Pay and manage bills

Quickly pay bills, enroll in Autopay, and update billing preferences.

File and track claims

File a claim in minutes and request Roadside Assistance when you need it.
  • Access your ID cards
  • Pay and manage bills
  • File and track claims
  • ...and more!
Download our app

Understand your motorcycle coverage options

Coverage
Real life example
Standard
Add-on
Collision
You damage your bike when you hit a car door. This will help you get it repaired.
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Bodily Injury Liability
You injure another motorcyclist while riding. You'll be covered for their medical bills.4
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Better Bike Replacement™
Your bike is totaled after an accident. This will help you get a new one.4
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New Bike Replacement Coverage
Your brand new bike suffers damage, making it a total loss. Get a new bike with this coverage.5
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24-Hour Roadside Assistance
Your bike breaks down in the middle of a long road trip. Count on roadside help with this coverage.6
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Accident Forgiveness
After years of never getting in an accident, you swipe a car door. You're forgiven – we won't raise your rate.7
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Motorcycle insurance FAQs

1Discounts 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.
2Dollar figures represent data shown on valuepenguin.com's website as of March, 2023.
3Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.
4Subject to claim.
5Availability varies by state and eligibility rules apply.
6Coverage 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.
7ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.