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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.

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.


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. 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.


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. This coverage requires the purchase of Towing and Labor coverage.3


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. If you qualify, you'll receive this benefit at no extra cost.4


Curious about how much Motorcycle Insurance will cost you? Please contact us directly to discuss or purchase Motorcycle Insurance.

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.

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.


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.


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


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.


When you complete a Liberty Mutual-approved motorcycle safety course.


If you've had a motorcycle license for three or more years, you'll receive additional savings.


We offer savings for standard features such as anti-theft and anti-lock brakes.


It pays to have multiple motorcycles listed on the same policy.


Graduating, recently married, moving, or just retired? Recent life events can qualify you for a discount on your motorcycle insurance.

1 Multi-bike Discount, Safety Course Discount, Experienced Rider Discount, Accessory Coverage and Towing and Labor Coverage not available in all states. Ask a Liberty Mutual representative for details. The descriptions of coverages and features are necessarily brief and are subject to the provisions, limitations, and exclusions that can only be expressed in the policy and related endorsements.

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 With the purchase of optional Towing & Labor coverage. Towing related to accidents would be covered first under your Collision or Comprehensive coverage, or under Towing and Labor if your policy does not include Collision/Comprehensive.



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