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Compare full coverage motorcycle insurance

Broad coverage for nearly any incident, including liability, comprehensive and collision.

Updated

Full coverage for your bike means you’re protected against most types of damage, including liability, comprehensive and collision. While this costs more than liability-only coverage, you’ll get more protection if an accident occurs, leaving you with fewer out-of-pocket expenses.

Our top pick: Progressive motorcycle insurance

Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.

  • Starting rates from $75 per year, below national average
  • Accident forgiveness for small claims or staying claim-free
  • Free original parts, replacement cost & accessories coverage up to $3K
  • Long list of discounts, like for riding groups or a motorcycle license

Compare comprehensive motorcycle insurance policies

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Allstate motorcycle insurance
Included free
Yes
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.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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Is full coverage motorcycle insurance worth it?

Because you’re more likely to claim bike damage from a collision, you might find full coverage helpful in multiple situations:

  • You own a luxury or antique bike. These bikes may have special or expensive parts that you want to protect, allowing you to get the repairs you need after an accident.
  • You drive cross-country. The more miles you cover on your bike, the higher the chance of an accident.
  • You live in a high-risk area. Crowded cities or towns with high theft rates might mean you’re likely to make a physical damage or comprehensive claim.
  • You can’t afford to replace your bike out of pocket. You might not have the bucks to replace your bike if the worst happens. But a few extra dollars in premiums might give you the financial protection you need.

How much does full coverage motorcycle insurance cost?

Full coverage on a $15,000 bike could cost $200 or more per year, while a liability-only policy might cost half that price. The amount you’ll pay depends on the kind of bike you drive, your age and other factors. Full coverage policies cost more because of the higher chance your insurance company will have to pay out a claim.

What’s included with full coverage motorcycle insurance?

By definition, full coverage means that your motorcycle is covered for the minimum state requirements plus other common physical damage. Typically, a full coverage policy includes comprehensive and collision, which are standard types of coverage that aren’t legally required.

The following is what is usually included with full coverage:

  • Bodily injury liability. Protects others from expensive medical bills when they’re involved in an at-fault accident. This is required by state.
  • Property damage liability. Pays for damage to the other vehicle involved. Also, legally required.
  • Uninsured/underinsured motorist. Helps you pay for medical bills or bike damage when the other driver doesn’t have enough insurance. Some states require this coverage.
  • Personal injury protection. Covers medical bills for your own injuries. This coverage is optional in some states but some at-fault states prohibit bikers from getting this insurance because of increased risk.
  • Comprehensive. Optional coverage that gives you peace of mind against motorcycle theft, storm damage, falling tree branches or hitting an animal.
  • Collision. Optional coverage that pays for bike repairs or total replacement if it’s damaged in an accident.

How does full coverage motorcycle insurance work?

When you have full coverage, you’re protected against the most common types of accident situations or bike damage. That means that if an accident happens you can file a claim and most likely get a payout for the damage incurred, whether or not you’re at fault.

By comparison, less coverage like a liability-only policy could mean you’d pay for your own expenses when you’re at fault in the accident. The other driver’s insurance should kick in first to cover expenses if they’re the one at fault.

Full coverage motorcycle insurance in action

Jake sideswiped a car while riding his motorcycle around town one weekend. He incurred $300 in damage to the car’s side door, $600 in damage to his bike and $350 for a recurring shoulder injury after the accident.

Jake’s liability coverage took care of the car’s damage. However, unlike a liability-only policy, collision covered his own bike’s damage and PIP took care of the medical bill. Jake only paid the deductibles, which were $250 each for collision and PIP.

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What’s not included with full coverage?

Full coverage might get confusing when you realize there are items that aren’t covered by just state minimums plus comprehensive and collision. You might still need to add extra coverage you’d prefer for your motorcycle. But in general, you can only get some of these add-ons if you already have collision and comprehensive coverage.

  • OEM parts. Stick with the parts that are original to your bike, even after an accident.
  • Custom or modified parts. Likewise, make sure you can repair damage to the extras you put on your motorcycle, like extra chrome or special headlights.
  • Safety gear. Protect your riding leathers, helmet and other gear from damage or theft.
  • Roadside assistance. Get help when your bike breaks down on the side of the road. Typically covers things like flat tires, an empty fuel tank or dead battery.
  • Trip interruption. If you get stranded after a breakdown or accident, this reimburses you for food, lodging and transportation while away from home.
  • Gap insurance. These days, you might have a loan to pay the pretty price for your bike. Protect your wallet against making loan payments even after your bike gets totaled.

Bottom line

Full bike coverage typically covers all your needs for liability and physical damage. However, it doesn’t include some items you might want protection for, such as customized parts or gap insurance. While full coverage policies can cost double compared to liability only, you can find the best rate by shopping with multiple providers.

Frequently asked questions about full coverage motorcycle insurance

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