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What does Full Coverage Motorcycle Insurance Actually Cover?

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When it comes to choosing the types of motorcycle coverages you need, your main choice will come down to minimum requirements vs. full coverage. 

We’ll go over what full coverage motorcycle insurance actually means, and when it makes sense to add it to your policy. 

Plus, you can also find some tips on saving the most money on your motorcycle insurance. Check out some of our other resources like:

Once you’ve got the information you need, you can compare as many free motorcycle insurance quotes as you need. Get started right here at MotorcycleZombies.com. 

What is a Full Coverage Motorcycle Insurance Policy?

A full-coverage motorcycle policy describes one that protects you and pays for damages in most events. 

A full coverage policy consists of a few different types of coverages, typically:

  • At least the state minimum for liability coverage. 
  • Comprehensive coverage.
  • Collision insurance

Full coverage policies offer you the most protection for injuries and damages, regardless of who is at fault. 

What does full coverage insurance cover?

Here’s what a full coverage motorcycle insurance policy will cover.

If you’re at fault for an accident, your liability insurance will pay for injuries and damages sustained by the other person and their passengers in the accident.

Comprehensive coverage will pay for things like theft, vandalism, and “acts of God” damages like flooding, fire, wind, and falling objects.

Collision coverage will pay for damages resulting from an accident – either with another car, motorcycle, or stationary object. 

Comprehensive and collision policies come with a deductible, which is the out-of-pocket expense you’ll need to pay before the coverage kicks in. These policies will typically cover up to the actual cash value, or current market price, of your motorcycle. 

So, to recap:

  • Liability coverage pays for the other person’s injuries and damages when you are at fault. 
  • Comprehensive and collision coverage pays for your own injuries and damages, regardless of fault and in a variety of situations. 

How Much is Full Coverage Motorcycle Insurance

As you may have already guessed, a full coverage policy is going to be more expensive than if you were to carry just the state’s minimum liability coverage limits. 

On average, a full coverage policy will cost anywhere from 5 to 10 times more than a minimum coverage policy. 

The total cost of your premium will depend on things like:

  • Where you live.
  • Your age and riding experience. 
  • The value of your bike. 

You can lower the cost of your full coverage motorcycle policy by:

  • Riding safe and having a history of being claim and accident free.
  • Taking a motorcycle safety course. 
  • Qualifying for a variety of motorcycle insurance discounts, like:
    • Motorcycle Club Membership. 
    • Policy bundling. 
    • Multi-policy.
    • Paying in full. 

When do you need full coverage?

A full coverage motorcycle insurance policy is not always necessary for everyone. 

The main things you should consider are the value of your bike and how often you ride it. 

If you ride your motorcycle a lot, a full coverage policy may make more sense. If it gets damaged, for a variety of reasons, you’ll be covered, and you’ll be able to repair or replace it if your claim is approved. 

You should also take the current market value of your motorcycle into account. 

For less expensive motorcycles (>$5,000), a full coverage policy may cost you more than it would pay in the event of a claim. 

For more expensive motorcycles, custom bikes, or classic motorcycles, a full coverage policy with a higher premium is often the smart choice. 

Whichever route you choose, be sure to compare some quotes from different providers in order to find the best deal on the best policy for you

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