Motorcycle Insurance

We’re the #1 motorcycle insurer. Here’s why.

1 in 3 insured motorcycle riders choose Southwest Federal Insurance Company

At Southwest Federal Insurance Company, you get more. It’s that simple. More protection for you and your motorcycle. More ways to save. More types of motorcycles insured. And most importantly, more love for your bike. So go ahead, get a motorcycle insurance quote online now and ride with the best motorcycle insurance company.

More protection. Fewer worries. Better riding.

It’s almost safe to assume that we’ll cover it. Ride with us and you’ll enjoy more unique motorcycle insurance coverages.

Full replacement cost and no depreciation for parts

We will always return your bike to pre-accident condition or better. Let’s say that your five-year old front tire with 10,000 miles on it gets damaged. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We pay the full $150 and not the depreciated value. That’s a real $100 difference.


Total loss coverage for a brand new bike

Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a TLC policy. If it’s totaled, we’ll give you the full MSRP for a brand new motorcycle, minus your deductible.

Let’s say that you bought a bike for $15,000, and it’s now only worth $10,000. If it’s totaled, and the latest model costs $15,000+, we’ll give you $15,000+. That’s a $5,000 difference. If your bike is no longer eligible for total loss coverage at renewal, your policy will still cover the actual cash value for what it’s currently worth.

Coverage for gear and personal belongings

You can add coverage for just about all of the personal property you carry on your motorcycle if it’s damaged or stolen. This includes camping gear, safety gear and even your phones.

Save when you start & when you need us

You can get motorcycle insurance starting at just $75 a year.* And we’ll kick in plenty of extra discounts (automatically applied during your motorcycle insurance quote). Plus, we’ll cover and pay for more if you do ever have a claim. That means you can pay less now to start and during a claim.

Ways to Save

Here’s just a few.


Multi Policy

You could save 5% extra if you have
(or get) another Southwest Federal Insurance Company policy.
It could be for anything: a car, second
motorcycle, ATV, etc.


Pay on Time

The easiest way possible way to save.
Just pay your premium on time for a full
year, and we’ll pay you back with a discount at renewal



Got a home, mobile home or
condominium you own? Fantastic!
You got another discount, even if it’s
not insured by us.