Motorcycles combine freedom and risk — insurance must cover both you and the bike. Safeco offers motorcycle policies with liability, collision, comprehensive and add-ons. Here is the guide.
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Core Coverage
- Bodily injury liability: injuries you cause.
- Property damage liability: damage you cause.
- Collision: repairs from a crash.
- Comprehensive: theft, fire, vandalism.
Important Add-Ons
- Uninsured/underinsured rider — critical when another party lacks cover.
- Medical payments — for you and passengers.
- Accessories/custom parts — helmets, bags, upgrades.
- Roadside assistance.
Why Riders Pay More
Higher injury risk means liability costs more than cars; safety gear and clean records can cut your premium.
FAQ
Do I need motorcycle insurance?
At least liability is required; full cover protects your bike and you.
Does Safeco cover custom motorcycles?
With the right add-ons and declaration — confirm with your agent.
Related: Safeco Auto and Safeco ATV.
Disclaimer: Coverage varies by state; verify with an agent.