Liberty Mutual Motorcycle Insurance
Liberty Mutual motorcycle insurance offers a range of standard coverage options, like collision and bodily injury liability, plus some optional add-ons.
Written by Melanie Krieps Mergen
Reviewed by Kathleen Flear
Liberty Mutual’s motorcycle insurance includes collision coverage, bodily injury liability coverage, new bike replacement, and accident forgiveness as standard, plus a couple of optional add-ons.
Choosing a motorcycle over a sedan when you hit the road doesn’t make having adequate insurance any less necessary. If you’re looking for a new
motorcycle insurance
policy, here’s a look at the coverage you can get with Liberty Mutual.Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversDoes Liberty Mutual offer motorcycle insurance?
Yes, Liberty Mutual offers motorcycle insurance. A policy from Liberty Mutual includes a handful of standard coverage options, like collision coverage and bodily injury liability coverage. Beyond the standard offerings, there are optional add-ons you can choose, like roadside assistance, if you’re looking for a greater sense of security.
To get a personalized motorcycle insurance quote from Liberty Mutual, all you need to do is reach out to an agent. You can get started by calling 1-888-413-3727 or use Liberty Mutual’s search tool to
find an agent
in your area. For a smooth experience, you’ll want to know your motorcycle’s make, model, and year.Cost
Motorcycle insurance costs vary from provider to provider. The national average is about $240 per year, or about $20—which is much cheaper than your typical car insurance premium!
But the cost of a Liberty Mutual motorcycle insurance policy will depend on a variety of factors. For example, if you’re a young driver, you could see a significantly more expensive rate. For the average 18-year-old, the national average cost of motorcycle insurance is about $519 per year, or about $43 per month, according to J.D. Power.
Other factors that could affect the cost of your premium include:
- Your state
- Your age and other demographics
- Your credit score
- Your motorcycle experience
- The coverage options you choose
- The type of motorcycle you drive
- Your driving history
Liberty Mutual also offers discounts for approved safety courses and holding a motorcycle license for at least several years, which could further reduce the cost of your premium.
Coverage options
Liberty Mutual’s standard motorcycle insurance policy offers a broad range of coverage with the option to add more protections if you prefer, some of which might vary depending on your state. Here’s a look at what you have to choose from.
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
Pays for others’ injuries if you’re found at fault for an accident. | You roll through a stop sign and collide with another biker. Liberty Mutual pays for the medical expenses for their injuries up to your BIL limit. | Yes | Check your state’s requirements—most require a certain amount of BIL by law. | |
Covers costs associated with repairing your motorcycle if it’s damaged after an accident. | The vehicle ahead of you stops abruptly and you run into them, busting your headlight. Liberty Mutual pitches in for the repair cost. | Yes | Not required by law, but usually worth it unless your bike is old and/or has a very low value. | |
Better Bike Replacement™ | Covers replacement costs for a new motorcycle if yours is totaled. | You were in an accident that left your bike a complete loss. Luckily, this coverage can help you pay for a newer bike to replace it. | No | This coverage is an optional but somewhat uncommon perk that can be difficult to find with other providers. |
New bike replacement coverage | Covers the cost to replace a new bike after it’s been totaled. | You bought your bike brand new, only for it to become a total loss after an accident. This coverage will help you get a new motorcycle. | Yes | This coverage is standard with Liberty Mutual but especially ideal if you’ve purchased a new bike with a high value. |
Roadside assistance | Offers 24/7 roadside help amid an unexpected breakdown. | You’re headed down the highway on a cross-state trip when a flat tire leaves you stranded on the shoulder. Roadside assistance gets you back on your way. | No | If you take frequent lengthy trips on your bike, roadside assistance can help provide greater peace of mind. |
This protection keeps your rates from rising after your first at-fault accident. | You’ve been a careful driver all your life—and then one day, you end up causing a fender bender. Liberty Mutual won’t hold it against you. | Yes | This coverage is typically standard with a motorcycle insurance policy from Liberty Mutual, but it’s not available in California. |
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How to save on Liberty Mutual motorcycle insurance
Looking to save on the costs of a motorcycle insurance policy from Liberty Mutual? Here are some ways you can do just that.
- Safety course discount: Take an approved motorcycle safety course and you could enjoy a cheaper premium.
- Experienced rider discount: If you’ve had your motorcycle license for three years or longer, Liberty Mutual will give you a discount.
- Multi-policy discount: If you bundle your other insurance coverage with Liberty Mutual, like yourauto insurance,homeowners insurance, or renters insurance, you could score savings on each policy.
- Preferred payment discount: Sign up for automatic payments on your policy and pay your premium in one or two payments, and you could qualify for Liberty Mutual’s Preferred Payment Discount.
- Violation-free discount: A clean driving record makes you less of a risk to an insurer, and Liberty Mutual might reward you with a discount for your safe habits.
- Check quotes from other companies: Different insurance providers use different formulas to determine insurance rates. Comparing your coverage options and their costs with multiple providers can help you determine whether Liberty Mutual’s motorcycle insurance is the best option for you, or whether you could find more affordable coverage elsewhere.
MORE: Essential tips for motorcycle winter storage
The cheapest motorcycle insurance companies
Liberty Mutual is far from the only option out there if you’re looking for motorcycle insurance. Depending on what factors are most important to you, here are some additional providers worth looking into:
- Best all-around: Progressive ($25 to $52/month)
- Best for high-value bikes: Markel ($35 to $69/month)
- Best for teens: Dairyland ($22 to $74/month)
MORE: 10 ways to get cheap car insurance that’s actually good
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Is GEICO cheaper than Liberty Mutual?
It depends on factors unique to your situation, but on average, GEICO insurance costs tend to be cheaper than Liberty Mutual. To find out which option would be cheaper for you, it’s a good idea to compare insurance quotes from both companies.
Is it cheaper to insure a motorcycle than a car?
It’s usually far less expensive to insure a motorcycle than a car. The average cost of motorcycle insurance is about $240 per year, while the average car insurance policy costs about $1,600 per year.
Of course, different factors will affect what you actually pay, like your age, location, driving history, the type of motorcycle you drive, and more.
How to keep motorcycle insurance cheap?
Being strategic about the coverage options you choose, maintaining a clean driving record, taking advantage of available discounts, and shopping around for quotes from multiple providers can all help you reduce your motorcycle’s insurance premium.
