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Get to know your motorcycle coverage options

We know you take pride in what you ride. Learn more about the unique coverages we offer below, then discuss the right motorcycle coverage for you with your local agent.

Coverage Real-life scenario Standard Optional
Bodily Injury Liability This helps pay for hospital bills, medical expenses, and other costs related to an accident you are responsible for that injures someone other than a guest passenger.1 Yes
Collision You damage your motorcycle in a collision incident. This helps pay for repairs, regardless of who is at fault. Yes
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 optional 24-Hour Roadside Assistance will get you moving again.2 Yes
OEM Manufacturer Parts Coverage Coverage that guarantees customers will receive new [OEM] parts on their vehicle(s).3 Yes
Safety Apparel Coverage If your safety apparel is damaged in a collision, we'll reimburse you for the items.4 Yes
Harley Davidson Replacement Cost Provision If your Harley-Davidson suffers a total loss, we'll pay the actual cash value for the motorcycle/bike, then up to the full amount of the cost in today's market. Yes

We offer so many more motorcycle coverage options at Safeco. Connect with a licensed independent agent near you to determine the best options for you and your vehicle.

You could save money with Safeco’s motorcycle discounts5


Offers a discount if you've been claims-free for 12 months in your prior term. (With or without Safeco.)

Companion Policy

Offers a discount if you have another policy of any kind with Safeco.

Safety Course discount

Offers a discount when you've completed an approved motorcycle/bike safety course within the past three years.

Enroll in Roadside Assistance for your motorcycle

Whether it’s a long trip with your cycle association or a casual Sunday ride on your local backroads, Safeco Roadside Assistance is here for you.

From towing to jumpstarts, emergency fluid delivery or another covered incident, enroll in Roadside Assistance when you purchase your motorcycle insurance policy. Connect with an agent today to learn more.

Common motorcycle insurance questions

Looking for answers? Browse the most frequently asked questions below, or contact your agent to discuss motorcycle insurance today.

What types of motorcycles does Safeco cover?

Safeco insures a wide variety of bike sizes and styles. We love to insure cruisers, like the Harley-Davidson Fat Bob or the Indian Chief. We also love tour and tour-sport bikes like the Honda Goldwing and the Kawasaki Voyager.

We insure sport and super-sport bikes like the Honda CBR and the Suzuki GSXR. We even insure dual, off-road and dirt bikes, scooters, mopeds, and select customer, homemade and kit bikes. We can also insure snowmobiles, ATVs, utility terrain vehicles, like the Polaris RZR, golf carts, and low-speed vehicles.

Does Safeco cover motorcycles used for racing?

No. Safeco does not cover motorcycles used for racing or speed contests or those with nitrous oxide kits installed.

What discounts are offered for experienced riders?

We know experienced riders are generally safer on the road, so Safeco offers discounts for those who have put in the road time. We even offer a discount if you've been riding the same bike for a while.

Does Safeco cover OEM (Original Equipment Manufacturer) Parts?

Yes. Every Safeco motorcycle policy that includes comprehensive and/or collision coverage automatically includes OEM parts coverage. Rest assured: if your motorcycle is damaged we'll use an original part to repair it.

Are there limitations on where you can ride?

Your Safeco motorcycle policy covers you anywhere you ride in the United States and Canada. Because the insurance laws in Mexico are different, however, you’ll need to obtain insurance coverage there if you're taking a ride south of the U.S. border.


  1. Subject to claim.
  2. 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.
  3. Included coverage. Comprehensive and/or Collision coverage required. May vary by state.
  4. Terms and conditions apply.
  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.
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