Safe Auto Motorcycle Insurance
Safe Auto partners with Dairyland and Progressive to provide motorcycle insurance coverage. Learn more here.
Written by Claire Beaney
Reviewed by Kathleen Flear
Through partnerships with Dairyland and
Progressive
, Safe Auto offers extensive motorcycle insurance. Their coverage isn't the most affordable, but they do provide a variety of coverage options and discounts.Safe Auto Insurance may be the best option for you if you need a wide selection of motorcycle coverage. Check out the
motorcycle insurance
options offered by Safe Auto, whether you ride a cruiser, moped, or dirt bike.Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
Compare insurance quotes from 50+ insurance companies with Jerry in under 45 seconds
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 Safe Auto offer motorcycle insurance?
While Safe Auto does offer motorcycle insurance, it does so through partnerships with two other companies: Dairyland and Progressive.
Your Safe Auto coverage may differ depending on the regulations of your state. Most states need basic
liability coverage
, and some states additionally require underinsured/uninsured motorist coverage
—all of which are offered by Safe Auto!You can get a
motorcycle insurance quote from Safe Auto
by calling 1-800-SAFEAUTO (1-800-723-3288) or sending an email to customerservice@safeauto.com with the make, model, and year of your bike. You'll also have to know your motorcycle's VIN (Vehicle Identification Number) in order to purchase a policy.Cost
It's difficult to estimate the cost of a motorcycle insurance policy through Safe Auto because the firm doesn't specialize in bike insurance and data isn't publicly available. However, the average cost of a motorcycle policy with Dairyland is $964 per year (or $80/month), while Progressive's average cost of coverage is $515 per year (or $43/month). You can use these numbers as a general guide.
Safe Auto's motorcycle insurance premiums are calculated using a number of variables, including the policyholder's age, riding experience, motorcycle model, driving record, credit history, and claim history.
Coverage options
When it comes to Safe Auto motorcycle protection, both Dairyland and Progressive provide unique options and choices. Depending on the insurer, you may be able to add coverages like
roadside assistance
, trip interruption, and rental reimbursement
to your policy. The following are some of the most popular Safe Auto motorcycle coverages:
Coverage | Description | Example | Included automatically? | Do I need it? |
|---|---|---|---|---|
If you caused an accident and the other driver got hurt, this will help pay for that driver's medical bills, for which you are legally liable. | A parking lot collision leaves the other driver with a concussion. In this case, your BIL policy would pay for their medical bills up to your policy's limit. | No | Probably—check your state's laws to see if BIL is required. | |
If you cause an accident and the other driver's car gets damaged, this will help pay for the repairs. | While out on the trails, you collide with another motorcyclist, damaging their bike in the process. To get their bike fixed, Safe Auto helps pay for repairs. | No | Check the laws in your state, but this is a good thing for most bikers. | |
This covers damage to your motorcycle that happens when you're not driving it, as well as theft, accidents with animals, floods, acts of vandalism, and more. | A fire in your garage has done some serious damage to your motorcycle. Safe Auto covers the actual cash value of the bike, minus any deductible. | No | Not required by law, but recommended unless your motorcycle is very old or very low-value. | |
Helps with the cost of fixing or replacing your bike if it's been damaged in an accident. | After crashing into a barrier, your handlebars are mangled. Safe Auto helps cover the cost of repairs. | No | Not required by law, but recommended unless your motorcycle is very old or very low-value. | |
Can help pay for reasonable and necessary medical bills for you and your passengers, no matter who was at fault. | Your friend is riding with you and falls off your bike, breaking their collarbone. Safe Auto will pay for their medical expenses up to the limits of your policy. | No | Not required by law, but it is a good idea, especially if you don't have health insurance. | |
You won't have to pay for damages out of your own pocket if the other driver is at fault and doesn't have enough (or any insurance) to cover everything. This isn’t available in all states. | You are struck by a vehicle but the driver does not have insurance. Safe Auto will pay for the damages up to the policy's maximum if the other party cannot. | No | Check the laws in your state, because UIM may or may not be required there. If a lot of drivers in your state don't have insurance, it's worth it. |
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How to save on Safe Auto motorcycle insurance
Safe Auto, in partnership with Dairyland and Progressive, provides a number of discounts that can be applied toward the cost of motorcycle insurance:
- Multi-policy discount: You can save money on all of your Safe Auto policies if you haveauto insurance,homeowners insurance, boat, or RV coverage with them.
- Safety course: Get a rate discount for completing a recognized safety course for your motorcycle, snowmobile, or all-terrain vehicle.
- Quote in advance: You'll pay less if you seek a quote now and start your coverage tomorrow (or next week) than if you buy same-day motorcycle insurance.
- Automatic payments: Safe Auto will lower your rate if you set up an electronic funds transfer (EFT) for autopay.
- Responsible driver discount: If you don't get in an accident or get a ticket for three years, Safe Auto will lower your rate.
- Membership discounts: Safe Auto offers discounts to members of the United Services Automobile Association (USAA), the Harley Owners Group, and other bike clubs.
- Pay in full: Instead of paying your annual premium each month, you can pay it all at once and save money.
The cheapest motorcycle insurance companies
Insuring a motorcycle with Safe Auto isn't the cheapest option, but it is one of the most popular and convenient choices for drivers. Check out our recommendations for every type of motorcycle owner in the list below:
- Best for everyday drivers: Dairyland (average $73/month)
- Best for collectors: Markel (average $69/month)
- Best for custom bikes: Progressive (average $52/month)
“Insurance companies originally charged me $189 while driving my BMW 300 miles per year. Thanks toJerry, I only pay $56! I’m so happy.” —Ray T.
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FAQs
Is Dairyland or Progressive better for motorcycle insurance?
If you choose to purchase motorcycle insurance with Safe Auto, you’ll have to choose between Dairyland and Progressive for your actual policy. The best option for full-time bikers is Dairyland, thanks to its roadside assistance and rental reimbursement coverage. Progressive's coverage options make it an excellent choice for custom motorcycles.
Is it cheaper to insure a motorcycle than a car?
Yes! Average annual motorcycle insurance premiums are around $240, compared to $1,600 for car insurance.
