What is "full coverage" motorcycle insurance?
"Full coverage" motorcycle insurance is a common term used by lenders, motorcycle dealerships, and insurance agents to describe a policy that includes liability coverage along with comprehensive and collision. However, there's no consensus on what "full coverage" entails, and no motorcycle insurance policy can cover you in every situation. "Full coverage" is simply a way to describe a package of coverages and not a guarantee of total protection.
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What's considered full coverage for a motorcycle?
"Full coverage" isn't a type of coverage or policy. It's a phrase lenders and others often used to refer to state-mandated coverages like liability plus comprehensive and collision, which provide protection for damage to your bike.
Liability coverage
Motorcycle liability coverage is required in nearly every state. It may help pay for injuries or property damage you cause to others in an accident. Liability coverage doesn't cover your own injuries or repairs to your motorcycle.
Comprehensive coverage
Motorcycle comprehensive coverage may help pay to repair or replace your motorcycle if it's stolen or damaged by things outside your control, like vandalism, fire, weather, or hitting an animal.
Collision coverage
Motorcycle collision coverage may help pay to repair or replace your bike if it's damaged in an accident, no matter who's at fault, such as a collision with a fence, tree, guardrail, vehicle, or any other object.
Is "full coverage" motorcycle insurance required?
Most states require you to carry liability coverage, and sometimes other coverages, before you can ride. If you lease or finance your motorcycle, the lender usually requires comprehensive and collision coverages to make sure the motorcycle is protected against damage or loss.
How much is "full coverage" motorcycle insurance?
The cost of motorcycle insurance depends on many things, such as where you live, the type of motorcycle you ride, and the coverages you choose. At Progressive, liability-only policies start at $75 per year.* Adding protection like comprehensive and collision coverage can raise your policy's cost.
Should you get "full coverage" on your motorcycle?
While there's no such thing as "full coverage" motorcycle insurance, you can build a policy that fits your needs.
Consider purchasing enough liability coverage to protect your assets in case you're liable for someone else's injuries or damages. If your assets exceed the state minimum, you can select higher liability limits for greater protection.
If your bike is paid off and you aren't required to carry comprehensive and collision, ask yourself if you could afford to repair or replace your motorcycle if it were stolen, damaged, or totaled. On the other hand, if your bike is worth less than a few thousand dollars, the cost of comprehensive and collision, along with the accompanying deductible, may not make sense for you and your budget.
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