Safeco motorcycle insurance review Oct 2021

Enjoy many additional benefits with a personal touch.’s rating: 4 / 5.0


  • Get a quote if you like perks such as custom parts coverage and safety gear replacement.
  • Pick something else if you need highly customized options.
  • Many riders can apply. Safeco currently doesn’t offer SR-22 filing.

Included free

Roadside assistance

Accident forgiveness


States served 43 states (available everywhere except Alaska Delaware Hawaii New Hampshire Montana Vermont Wyoming)
Roadside assistance Included free
Pay schedule 12 months, monthly, custom
Claims methods online, phone, in-person
Accident forgiveness Yes


  • Local agents
  • Wide coverage options
  • Free perks
  • 24/7, online claims
  • Financially stable company


  • Coverage availability
  • No online quotes
  • SR-22 drivers not accepted

Review by

Sarah George is an insurance writer at Finder who’s penned over 400 articles, unraveling complicated topics about car, home and life insurance. Her insurance know-how has been featured in online publications, including Breeze, CBS, CNET and, as well as Finder’s YouTube channel. Sarah is working to become a Certified Educator in Personal Finance (CEPF).

Expert review

Safeco offers personalized service that’s backed by its partnership with Liberty Mutual Insurance. The company also includes many free features that competitors often charge for, like OEM parts and gear coverage. Harley-Davidson owners will love the new bike replacement for Harleys up to two years old.

Safeco’s got an overall solid offering, but not every coverage type is available in every state. And you’ll have to call to get a quote. If talking to an agent doesn’t bother you, Safeco might be worth a try. Otherwise, you can check other motorcycle insurance options.

How do I apply for Safeco motorcycle insurance?

To apply for motorcycle insurance here, you’ll need to speak with a local agent in person or by phone:

  • Local agent. Find an agent near you by entering your ZIP code on the motorcycle insurance homepage. Then, select and contact an agent you’d prefer to work with.
  • Phone. To speak with a representative by phone, simply call the local agent’s office number listed in the agency directory.

What info do I need to apply?

Keep the application process quick and easy with several key pieces of information:

  • Your home address
  • Phone number
  • Driver’s or motorcycle license number
  • Motorcycle details: make, model and plate number
  • Driving history
  • Choice of coverage and policy start date
  • Payment information

What bike insurance discounts can I get with Safeco?

Safeco offers a variety of ways to save up to 40% off your premium:

  • Motorcycle safety course. Complete a safety course from the Motorcycle Safety Foundation or other approved organization.
  • Riding club. Become a member of one of 24 partner riding clubs in the US.
  • Experienced riders. Safeco automatically adjusts your rate to reflect your age and claims-free riding history.
  • Garage storage. Store your bike in a locked garage or other secure location.
  • Home ownership. Find savings for owning your home.
  • Theft recovery. Install a theft-recovery system on your bike for this discount.
  • Antilock brakes. Make sure your bike includes safety features like ABS brakes.
  • Prepurchased policy. Get a discount for starting your policy at least one day after receiving your quote.
  • Multicycle. Insure more than one motorcycle on your Safeco policy.
  • Multipolicy. Bundle home, auto and umbrella insurance with your motorcycle policy.
  • Continuous coverage. Maintain continuous coverage with Safeco for additional savings.
  • Pay in full. Pay your insurance premium all at once for a discount.
  • Claims-free renewal. If you go without filing a claim on your previous policy period, you’ll receive a discount upon renewal.

What motorcycle insurance coverage does Safeco offer?

Safeco offers the standard coverage every biker needs on the road:

  • Property damage liability. Pay for damages to another person’s vehicle or property if you’re found at fault in an accident.
  • Bodily injury liability. Cover injuries to the other driver and passengers involved when you’re at fault.
  • Guest passenger liability. Protect passengers riding with you on your bike. This may not include passengers already covered under your medical coverage, such as family members.
  • Collision. Cover your bike for damages incurred during an accident with another vehicle or object, no matter who’s at fault.
  • Comprehensive. Protect yourself from accidents that are out of the ordinary, such as theft, vandalism, falling objects or weather damage.
  • Uninsured/underinsured motorist. Pay for personal injuries when an at-fault driver doesn’t have enough insurance to cover you. This includes hit-and-run situations as well as injuries incurred if you’re hit as a pedestrian.
  • Medical payments. Get peace of mind about expensive medical bills that may arise out of an accident, including bills for you and a guest passenger.

What extra benefits and add-ons does Safeco offer for motorcycles?

The company provides extra features and add-ons to make your ride even safer and more enjoyable:

  • Roadside assistance. Get help with basic roadside needs, such as fuel delivery, towing, flat tire, battery service and lost keys.
  • Trip interruption. Pay for food and lodging when you’re stranded away from home after a mechanical breakdown. This coverage is included with roadside assistance.
  • Custom parts and equipment. Get coverage up to $3,000 on custom parts you’ve added to your bike at no extra charge. If you’d like, you can also purchase coverage up to $20,000.
  • OEM parts. Safeco’s standard motorcycle policies automatically come with the benefit of getting original manufacturer parts during repairs.
  • Gear replacement. Replace your safety gear, such as your helmet, jacket, boots or gloves at no extra cost. Get up to $1,000 of coverage per person, per incident without factoring in depreciation for the gear.
  • New Harley-Davidson replacement cost. Need standard Safeco insurance for your Harley? If you get into a total loss accident, Safeco will replace your Harley with a similar make and model for up to two years. This coverage won’t even factor in depreciation.

Alternatives to Safeco

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
The AARP Auto Insurance Program from the Hartford
On the first accident
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.

Compare up to 4 providers

What types of motorcycles does Safeco cover?

The company covers several bike types, including:

  • ATVs and UTVs
  • Cruisers
  • Dirt bikes
  • Dual-sport bikes
  • Low-speed bikes
  • Mopeds
  • Off-road motorcycles
  • Select custom motorcycles
  • Scooters
  • Sport bikes
  • Touring and sport-touring bikes

Pros and cons of Safeco motorcycle insurance


  • Local agents. Safeco keeps things personal with service from local agents.
  • A variety of options. The company offers a variety of motorcycle coverage to choose from.
  • Free coverage benefits. Safeco provides many additional benefits free of charge, including safety gear replacement, custom equipment and OEM parts.
  • 24/7 claims. Report an accident at the most convenient time for you.
  • Established, stable company. Safeco has offered insurance to customers since 1923, and it’s financially backed by Liberty Mutual Insurance.


  • Coverage availability. Not all coverage options are available in every state.
  • No online quotes. The company sticks with its personalized service. That means you’ll have to speak with a representative directly to get a quote.

How to make a claim with Safeco

Safeco offers two simple ways to file accident claims with them — either online, by phone or through the mobile app.

  • Online. Use this convenient method by logging into your customer account.
  • Phone. Report a claim at any time of the day or night by calling 800-332-3226.
  • Mobile app. Log into your account directly from the Safeco Mobile app to file and track claims from there.

Frequently asked questions about Safeco motorcycle insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site