Riding a motorcycle brings thrill and adventure, but it also comes with risks. To safeguard yourself and your bike, having full coverage motorcycle insurance is one of the smartest financial decisions.
Unlike basic liability coverage, full coverage provides comprehensive protection, ensuring that both you and your motorcycle are secure in case of accidents, theft, or damage.
In this guide, we’ll cover everything about full coverage motorcycle insurance—its meaning, cost, coverage options, and the best motorcycle insurance companies that offer it.
What is Full Coverage Motorcycle Insurance?
Full coverage motorcycle insurance is a combination of multiple types of protection, generally including:
- Liability Coverage – Covers injuries or property damage you cause to others.
- Collision Coverage – Pays for repairs to your motorcycle if it’s damaged in an accident.
- Comprehensive Coverage – Protects against theft, vandalism, fire, or natural disasters.
Together, these policies ensure maximum protection, giving you peace of mind every time you ride.
Why Choose Full Coverage Motorcycle Insurance?
Many riders think liability-only policies are enough, but in reality, they leave you exposed to many risks. Here’s why full coverage motorcycle insurance is essential:
✅ Covers repairs and replacement costs for your motorcycle.
✅ Protects against theft and non-collision damage.
✅ Provides medical expense coverage for you and passengers.
✅ Includes uninsured/underinsured motorist coverage for added safety.
✅ Ensures financial stability after accidents.
When you compare motorcycle insurance quotes, full coverage may cost more, but the protection is worth it.
How Much Does Full Coverage Motorcycle Insurance Cost?
The average motorcycle insurance cost for full coverage in the U.S. is between $300 and $1,500 per year. However, premiums vary depending on:
- Age & Riding Experience – Younger riders usually pay higher rates.
- Type of Bike – Sports bikes cost more to insure than cruisers.
- Driving Record – Clean record = lower premiums.
- Location – Urban riders pay more due to higher accident and theft risks.
- Coverage Level – Adding extras increases the premium.
Full Coverage vs Liability-Only Motorcycle Insurance
| Coverage Type | What It Covers | Cost | Who Should Choose |
|---|---|---|---|
| Liability-Only | Only covers damages to others if you’re at fault | Cheapest | Low-value bikes, short-term use |
| Full Coverage | Covers your motorcycle, theft, fire, vandalism, and liability | Higher | New bikes, daily riders, high-value motorcycles |
If you’ve invested in a new or expensive bike, choosing full coverage motorcycle insurance is a smart move.
Best Companies for Full Coverage Motorcycle Insurance
Here are the best motorcycle insurance companies offering affordable full coverage plans in 2025:
1. Progressive Motorcycle Insurance
- Known for customizable full coverage policies.
- Offers accident forgiveness and roadside assistance.
- Easy to get motorcycle insurance quotes online.
2. GEICO Motorcycle Insurance
- Affordable full coverage motorcycle insurance.
- Discounts for safety courses, multi-bike, and bundling policies.
- Best for riders searching for cheap motorcycle insurance.
3. State Farm Motorcycle Insurance
- Strong customer service and local agents.
- Great for riders who prefer personalized service.
4. Allstate Motorcycle Insurance
- Provides full coverage motorcycle insurance with add-ons.
- Includes benefits like accident forgiveness and trip interruption coverage.
5. Nationwide Motorcycle Insurance
- Offers multi-policy discounts for bundling with home or auto insurance.
- Best for families and frequent riders.
How to Get Cheap Full Coverage Motorcycle Insurance
Even though full coverage costs more than liability-only, there are ways to reduce your premiums:
✅ Take a motorcycle safety course – Many insurers give discounts.
✅ Bundle insurance policies – Combine auto, home, and motorcycle insurance.
✅ Maintain a clean driving record – Avoid traffic violations.
✅ Increase your deductible – Lowers your monthly premium.
✅ Compare motorcycle insurance quotes near me – Always shop around before finalizing.
Conclusion
Choosing full coverage motorcycle insurance is not just about following the law—it’s about ensuring financial safety and peace of mind. Whether you ride daily in the city or go on long road trips, the right coverage can protect you against accidents, theft, and unexpected expenses.
Top providers like Progressive, GEICO, State Farm, and Allstate offer reliable full coverage plans that balance affordability with protection.