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Safeco® Motorcycle Insurance



Safeco has been providing coverage for its customers' prized possessions since it opened its doors in 1923.

Safeco Motorcycle Insurance coverage and feature options

Your motorcycle is one of your most prized possessions, that’s why you and your ride deserve special attention and protection. Because many of us are riders as well, we understand the importance of bike safety. Safeco protects you and your motorcycle in ways that many other insurance companies don’t. You can also get coverage for your ATV, scooter, golf cart, or snowmobile as well. 

What Makes Us Different

-Helmet, Jacket, Boots, and Gloves Replacement

Safeco provides up to $1,000 per person, per incident, to replace safety apparel lost or damaged in a collision at no extra charge with no deductible. This coverage is also included with liability-only polices, something no other insurance company offers.

-New Harley® Replacement
You’ve been saving up for that new Road King® for years. Don’t let all your hard work go to waste. Two-year replacement cost coverage for your new Harley-Davidson® motorcycle is included as stock coverage with every Safeco motorcycle policy. You’re covered.

Popular Coverage Options

-Customize Your Motorcycle Insurance

Safeco gives you the flexibility to choose the coverage that’s right for you to get out there and enjoy the open road. 

-Custom Parts and Equipment

Optional custom parts coverage is available up to a $20,000 limit per bike. Your first $3,000 in coverage is provided automatically at no extra charge when you choose this option.

-Roadside Assistance

Trip interruption benefits are automatically included as part of motorcycle Roadside Assistance, which covers towing to the nearest qualified repair shop and other basic emergency services. We’ll help get you back on the road quickly if you break down.

Coverage Required in Most States

Mandatory motorcycle insurance requirements vary by state. Safeco Motorcycle Insurance policies are designed not only to satisfy all mandatory requirements, but offer even more great coverage options. Give us a call today and ask about the motorcycle coverage types and levels required in your state.

-Bodily Injury Liability

Helps pay for bodily injury expenses, like hospital bills and medical care, which you may be held responsible for if you cause an accident that injures someone other than a guest passenger.

-Guest Passenger Liability

Similar to bodily injury liability, but specifically covers a guest passenger riding with you on your motorcycle.

-Property Damage Liability

Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.

Coverage Required in Some States

-Uninsured/Underinsured Motorist Coverage

Helps pay for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian. 

Even More Coverage Options


Helps pay for repairs or to replace your ride if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind and collision with an animal.


Helps pay for repairs to your motorcycle for damage caused by an accident.

-Medical Payments

Helps pay hospital bills and medical care expenses for you or a guest passenger injured in an accident, no matter who is at fault.

Give us a call at 1-877-857-9504 and ask how you can save up to 40 percent on your motorcycle insurance.


Motorcycle Insurance Discounts & Savings

-Take a Motorcycle Safety Course

-Join a Riding Club or Group

-Ride More

-Garage Your Bike

-Own Your Own Home

-Choose a Higher Deductible

More Ways to Save

Give us a call today and ask about more ways to save on your motorcycle insurance. It’s possible to lower your rate if you:


  • Insure more than one bike.
  • Also insure your carhome, or boat with Safeco.
  • Maintain continuous coverage.
  • Are a homeowner.
  • Pay your bill in full.
  • Make a claim-free renewal.
  • Have a theft recovery device or anti-lock brakes.
  • Have multiple years of riding experience.


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Free Quotes