Full coverage motorcycle insurance is the industry term for a policy that includes state-required liability protection and optional physical damage coverage for your bike. This type of coverage combines liability, collision, and comprehensive coverage into a single policy, creating complete financial security compared to minimum coverage policies that include only state-mandated liability.
Full Coverage Motorcycle Insurance
Updated: October 2, 2025
Advertising & Editorial Disclosure
Key Takeaways
Full coverage motorcycle insurance covers your bike through collision and comprehensive coverage, but excludes your medical bills—add medical payments coverage to avoid $15,000-$150,000 in hospital costs.
Full motorcycle insurance coverage costs $302-$80,0, depending on the company, with Harley-Davidson offering the lowest rates.
Full coverage motorcycle insurance is worth the cost if your bike is worth over $5,000 or you can't afford replacement from savings; otherwise, liability-only coverage costs less while you self-insure.
What Is Full Coverage Motorcycle Insurance?
What Does Full Coverage Motorcycle Insurance Cover?
Full coverage motorcycle insurance protects you financially in three scenarios: when you injure others or damage their property, when your bike needs repairs after a crash, and when theft or weather damages your parked bike. Each coverage type below addresses different risks and has specific claim scenarios, deductibles, and limits you'll need to understand before selecting your policy.
Liability Coverage
Motorcycle liability insurance provides coverage into two components. Bodily injury liability covers others' medical expenses, lost wages, and pain and suffering when you injure them in a crash. Property damage liability pays for vehicle repairs, building damage, and property destruction you cause. Your insurer pays these claims to your liability limits, protecting your personal assets from lawsuits after at-fault accidents.
Most states require liability coverage as minimum motorcycle insurance. However, state minimums often provide insufficient protection. A $25,000 bodily injury limit won't cover serious injury costs exceeding $100,000. Consider carrying $100,000/$300,000 in bodily injury and $50,000 in property damage limits for adequate protection, especially if you have assets worth protecting, such as a home, savings, or retirement accounts.
Collision Coverage
Motorcycle collision coverage pays for repairs to your bike after accidents with vehicles or stationary objects, regardless of who's at fault. You pay your deductible first. Then your insurer covers the repair costs up to your bike's actual cash value. Typical deductibles range from $250 to $1,000.
Collision coverage applies when you rear-end another vehicle, sideswipe a car while changing lanes, or hit a guardrail on a curve. Without motorcycle collision insurance, you'll pay for all accident repairs out of pocket. Moderate damage often costs $3,000-$10,000, quickly draining your savings or forcing you into debt.
If you're financing your bike or it's worth more than you can afford to lose, collision coverage prevents the financial devastation of paying for repairs while still making loan payments on a damaged bike.
Comprehensive Coverage
Comprehensive motorcycle coverage protects your bike against non-collision perils: theft, vandalism, fire, flood, hail, falling objects, and animal strikes. Theft is the most common comprehensive claim. Your insurer pays for repair or replacement costs up to actual cash value, minus your deductible.
What Does Full Coverage Motorcycle Insurance Not Cover?
Full coverage doesn't cover your injuries, a critical gap many riders overlook. You'll need to add medical payments coverage or personal injury protection to cover your hospital bills, rehabilitation costs, and lost wages after accidents. Some states mandate PIP, but many don't. The gaps below are the most common surprises riders encounter when filing claims, from discovering their medical bills aren't covered to learning their custom parts have no protection.
Your Own Medical Expenses
Full coverage doesn't pay for hospital bills, rehabilitation costs, or lost wages after accidents. Liability, collision, and comprehensive coverage protect other people and your bike, not your body. You'll need to add medical payments coverage with limits from $1,000 to $10,000, or personal injury protection, which offers broader coverage, including lost wages.
According to the National Highway Traffic Safety Administration, motorcyclists suffer injuries in 80% of crashes. Having medical coverage prevents $15,000-$150,000 in out-of-pocket medical costs. Without medical coverage, you'll pay all injury costs from your savings or health insurance, which may have high deductibles and copays. MedPay costs just $5-$15 annually per $5,000 coverage. That's incredibly cheap protection against potentially catastrophic medical expenses.
Custom Parts and Aftermarket Accessories
Standard collision and comprehensive coverage excludes custom exhaust systems, upgraded seats, paint jobs, saddlebags, and aftermarket equipment. Your $2,000 custom exhaust and $1,500 upgraded suspension won't be covered unless you add custom parts and equipment coverage with limits typically ranging from $3,000 to $10,000.
Progressive automatically includes $3,000 in accessory coverage with full coverage. Other insurers require you to purchase this separately. Comprehensive coverage without this endorsement will only reimburse your bike's stock value, not the $5,000-$15,000 you've invested in customizations.
Custom bikes often require modifications of over $10,000. Without custom equipment coverage, you'll lose this entire investment after total-loss crashes or theft. Custom parts coverage costs just $50-$150 annually, a small price to protect significant investments.
Mechanical Breakdown and Normal Wear
Full coverage doesn't pay for engine failures, transmission problems, or maintenance-related repairs. Motorcycle and comprehensive collision coverage only cover sudden, unexpected damage from covered perils, not age-related mechanical failures or neglected maintenance issues. You would have to purchase separate mechanical breakdown insurance to get this level of protection.
Roadside Assistance and Towing
Full coverage motorcycle insurance doesn't include towing or roadside assistance unless you add it separately. Without this $5- $15 annual add-on, you'll pay $75-$200 out-of-pocket for tow truck services after breakdowns.
Racing and Commercial Use
Track days, competitive events, food delivery work, and ride-sharing void your full coverage policy. Crashes during these activities will result in denied claims. You'll need specialized track insurance or commercial motorcycle insurance for these uses.
Full Coverage Motorcycle Insurance Cost
Full coverage motorcycle insurance costs $364 annually compared to $141 for state minimum liability, a difference of $223 per year. Whether this premium increase is worth paying depends entirely on your bike's value and financial capacity to replace it.
| Full Coverage | $30 | $364 | $10 | $103 |
| State Minimum Liability | $12 | $141 | $4 | $49 |
The national average above establishes a baseline for full coverage motorcycle insurance costs. The lowest and maximum monthly costs show the typical range riders pay. In the following sections, we will show how your age impacts your premium as you gain riding experience, which insurers offer the cheapest full coverage motorcycle insurance, and how your location affects your premiums.
Average Full Coverage Motorcycle insurance cost by Age
Full coverage motorcycle insurance costs $1,146 annually for 16-year-olds, $907 for 21-year-olds, $632 for 25-year-olds, and $364 for 40-year-olds. Your age creates the single most significant impact on your premium, with rates dropping by nearly 70% from your teen years to age 40. The steepest rate drops occur between ages 21 and 30, where premiums fall by almost $500 annually.
Average Full Coverage Motorcycle Insurance by Company
Harley-Davidson Insurance averages $302 annually, 57% below the national average. It is followed by Dairyland at $544, 23% below average and GEICO at $580, 18% below average.
This means identical full coverage motorcycle insurance costs anywhere from $302 to $800 annually, depending on which insurer you choose. Compare the average cost of motorcycle insurance below to see which companies offer the most affordable rates.
| Harley | $25 | $302 | -57% |
| Dairyland | $45 | $544 | -23% |
| Geico | $48 | $580 | -18% |
| Progressive | $51 | $612 | -14% |
| Nationwide | $85 | $1,025 | 45% |
| Markel | $96 | $1,157 | 63% |
Average Full Coverage Motorcycle Cost by State
Your location creates larger premium differences than any other factor, with rates varying 835% between the lowest and highest-cost states. Southern states like Alabama and Texas offer below-average premiums due to lower population density and reduced theft rates, while urban states with year-round riding seasons like Arizona and Michigan charge 84-164% above average.
| Alabama | $23 | $273 | -62% |
| Alaska | $17 | $200 | -72% |
| Arizona | $156 | $1,871 | 164% |
| Arkansas | $34 | $411 | -42% |
| California | $46 | $553 | -22% |
| Colorado | $27 | $321 | -55% |
| Connecticut | $29 | $349 | -51% |
| Delaware | $39 | $466 | -34% |
| Florida | $119 | $1,431 | 102% |
| Georgia | $33 | $399 | -44% |
| Hawaii | $29 | $351 | -50% |
| Idaho | $29 | $352 | -50% |
| Illinois | $35 | $417 | -41% |
| Indiana | $37 | $449 | -37% |
| Iowa | $20 | $238 | -66% |
| Kansas | $19 | $231 | -67% |
| Kentucky | $38 | $456 | -36% |
| Louisiana | $38 | $459 | -35% |
| Maine | $27 | $319 | -55% |
| Maryland | $31 | $373 | -47% |
| Massachusetts | $28 | $335 | -53% |
| Michigan | $38 | $456 | -36% |
| Minnesota | $19 | $224 | -68% |
| Mississippi | $44 | $530 | -25% |
| Missouri | $41 | $496 | -30% |
| Montana | $14 | $170 | -76% |
| Nebraska | $29 | $344 | -52% |
| Nevada | $40 | $485 | -32% |
| New Hampshire | $30 | $358 | -49% |
| New Jersey | $46 | $557 | -21% |
| New Mexico | $35 | $418 | -41% |
| New York | $23 | $282 | -60% |
| North Carolina | $31 | $377 | -47% |
| North Dakota | $19 | $222 | -69% |
| Ohio | $26 | $315 | -56% |
| Oklahoma | $27 | $319 | -55% |
| Oregon | $127 | $1,522 | 115% |
| Pennsylvania | $24 | $284 | -60% |
| Rhode Island | $47 | $565 | -20% |
| South Carolina | $30 | $360 | -49% |
| South Dakota | $20 | $237 | -67% |
| Tennessee | $34 | $411 | -42% |
| Texas | $158 | $1,891 | 167% |
| Utah | $108 | $1,290 | 82% |
| Vermont | $28 | $337 | -52% |
| Virginia | $34 | $413 | -42% |
| Washington | $24 | $288 | -59% |
| West Virginia | $41 | $490 | -31% |
| Wisconsin | $24 | $291 | -59% |
| Wyoming | $21 | $247 | -65% |
Factors That Affect The Cost Full Coverage Motorcycle Insurance
Your full coverage motorcycle insurance premium is calculated using a dozen or more rating factors, some beyond your control, like age and location, and others you can actively manage to reduce costs. The factors below are presented by impact level, starting with those that create the most considerable premium differences and moving to smaller discount opportunities you can stack for maximum savings.
Your Age and Riding Experience
Younger riders pay dramatically higher premiums because they statistically file more claims. The cost tables above show that 16-year-olds pay 215% more than 40-year-olds for identical coverage. Your rates drop significantly as you age and accumulate years of claim-free riding, with the steepest decreases occurring between ages 21 and 30.
Your Driving Record
Traffic violations and at-fault accidents increase motorcycle insurance costs for 3-5 years after each incident. Speeding tickets typically raise premiums by 10-25%, while DUI convictions can double or triple your rates. Insurers view your driving record as the strongest predictor of future claims, making a clean record your most valuable asset for affordable coverage.
Your Motorcycle's Value and Type
Expensive bikes cost more to insure because insurers pay more to replace them after theft or total-loss crashes. Your collision and comprehensive coverage premiums reflect your bike's actual cash value. Sport bikes and supersport motorcycles carry the highest premiums due to their association with high-speed crashes, while cruisers and touring bikes typically cost less to insure.
Your Location
Where you live and store your bike affects your rates more than any other factor. Urban areas with high theft rates charge substantially more for comprehensive coverage. States with high accident frequencies and expensive medical costs increase liability and collision premiums. The state cost table above shows that premiums vary by 835% between the lowest and highest-cost states.
Your Coverage Limits and Deductibles
Higher liability limits increase your premium because your insurer accepts more financial risk. However, these increases are relatively small compared to the additional protection. Deductible selection dramatically affects your cost. Choosing a $1,000 deductible instead of $250 reduces your collision and comprehensive premiums by 30-40%.
Your Credit Score
Most states allow insurers to use credit-based insurance scores when calculating premiums. According to industry practice, riders with excellent credit pay significantly less than those with poor credit, even with identical riding records. Insurers correlate credit scores with claim frequency, though California, Hawaii, Massachusetts, and Michigan prohibit this practice.
Your Annual Mileage
Riders who travel fewer miles annually face lower accident risk and qualify for low-mileage discounts. If you ride under 5,000 miles yearly, inform your insurer. Many companies offer 5-15% discounts for recreational riders compared to daily commuters covering 10,000+ miles annually.
Safety Features and Anti-Theft Devices
Anti-theft systems reduce comprehensive coverage costs by making your bike harder to steal. Anti-lock brakes (ABS) can reduce premiums by 5-10% because ABS-equipped bikes have fewer crashes. Some insurers offer discounts for additional safety equipment like airbag vests or integrated GPS tracking systems.
Multi-Policy Bundling
Bundling your motorcycle insurance with auto or home coverage generates 15-25% discounts from most insurers. This represents one of the most extensive savings opportunities and requires no change to your riding behavior or bike.
Safety Course Completion
Completing Motorcycle Safety Foundation courses or state-approved rider training reduces premiums by 5-15% with most insurers. These courses cost $150-$350 but generate premium savings for 3+ years, easily offsetting the course cost while improving your riding skills and crash avoidance.
Storage Location
Storing your bike in a locked garage instead of on the street reduces your comprehensive coverage premium by protecting against theft and weather damage. Some insurers offer 5-10% discounts for garaged bikes compared to street parking.
Is Full Coverage Motorcycle Insurance Worth It?
Buying full coverage motorcycle insurance versus liability-only coverage depends on your bike's value, how you use it, and your financial capacity to absorb a total loss. Full coverage costs $223 more annually than minimum coverage, but this premium prevents potential losses ranging from $3,000 to $25,000 from theft or crashes.
When Getting Full Coverage Motorcycle Insurance Makes Sense
Full coverage is sensible if your motorcycle's value exceeds $5,000. Without it, you cover the cost of replacement after theft or repairs after a crash out of pocket. For bikes valued at $10,000 or more, replacing a stolen $15,000 Harley-Davidson can lead to significant financial loss.
Riders with limited emergency savings should consider full coverage because even $3,000-$5,000 bikes can incur $2,000-$4,000 in repair bills after accidents, which could deplete your emergency fund or push you into high-interest debt.
Lenders require full coverage motorcycle insurance, including collision and comprehensive coverage, if you're financing or leasing until the loan is paid off. This protects you from making payments on a totaled or stolen bike. If your motorcycle is your main transportation, full coverage ensures your insurer will pay for repairs quickly after an accident, so you're not stranded without your daily ride.
When Liability-Only Coverage Makes Sense
Liability-only coverage makes sense for bikes worth less than $2,000 since you'd recoup your bike's entire value in premium savings within 2-3 years. For bikes valued between $2,000 and $5,000, divide your bike's value by $223. If the result is 3 years or less, opt for liability-only and self-insure.
If you ride fewer than 1,000 miles annually and keep your bike garaged when not riding, your accident risk drops significantly. Liability-only coverage provides legal compliance at minimal cost. However, comprehensive motorcycle coverage still protects garaged bikes from theft. Consider keeping comprehensive coverage while dropping collision if theft concerns you, but you rarely ride enough to justify crash protection.
If you maintain $10,000 or more in accessible emergency funds and can absorb your bike's total loss without financial hardship, liability-only insurance reduces your expenses while maintaining legal compliance. The premium difference invested over several years often grows faster than the cost of unlikely claims.
How to Get Full Coverage Motorcycle Insurance
Getting full coverage motorcycle insurance the right way saves you hundreds of dollars annually while ensuring you don't have coverage gaps that leave you financially exposed. You'll need specific information about your bike and riding history before requesting quotes, then you'll compare multiple insurers to identify the lowest rate for equivalent coverage—most riders who skip this comparison process overpay by $200-$500 per year for identical protection.
- 1Gather Your Motorcycle Information
You'll need your bike's year, make, model, and Vehicle Identification Number (VIN) to get accurate quotes. Have your current odometer reading ready since annual mileage affects your premium. If you've added custom parts or accessories, document their value with receipts or appraisals since standard collision and comprehensive coverage excludes aftermarket modifications.
- 2Collect Your Personal Information
Insurers need your date of birth, driver's license number, and riding history, including when you first got your motorcycle license. Prepare a list of traffic violations or at-fault accidents from the past 3-5 years, since these incidents affect your rates. If you've completed motorcycle safety courses, gather your certificates since most insurers offer 5-15% discounts for approved training.
- 3Decide Your Coverage Needs
Determine your coverage level by asking one question: Can you afford to replace your bike from savings if it's stolen or totaled? If you can't absorb a $5,000-$15,000 loss without financial hardship, you need full motorcycle insurance with collision and comprehensive coverage. If you maintain substantial emergency savings and your bike's worth less than $3,000, liability-only coverage costs less while you self-insure for bike damage.
Select liability limits that protect your assets from lawsuits. If you own a home, maintain savings, or have retirement accounts, choose $100,000/$300,000 bodily injury and $50,000 property damage limits—state minimums of $25,000/$50,000 won't cover serious injury costs, which leaves you personally liable for the difference and puts your assets at risk of seizure through court judgments.
- 4Request Quotes From Multiple Insurers
Contact at least three insurers to compare rates since premiums vary by hundreds of dollars annually between companies. The company comparison table above shows that the cheapest full coverage motorcycle insurance costs 57% less than average.
Since these companies consistently offer competitive motorcycle insurance rates, request quotes from Harley-Davidson Insurance (if you ride a Harley), Dairyland, GEICO, Progressive, and Nationwide. Get quotes online through insurer websites, call their agents directly, or work with independent insurance agents who can quote multiple companies simultaneously.
- 5Compare Coverage Options and Prices
Review each quote carefully to confirm identical coverage limits and deductibles across all proposals. Verify that quoted prices include the same optional coverages, such as medical payments coverage, rental reimbursement, roadside assistance, and custom parts protection.
Don't select coverage solely based on the lowest price. Check each insurer's financial strength rating from AM Best and customer complaint ratios from your state insurance department to ensure they'll pay claims promptly.
- 6Ask About Available Discount
Request all applicable discounts, including multi-policy bundling (15-25% savings), motorcycle safety course completion (5-15% savings), anti-theft devices, anti-lock brakes, low annual mileage, good credit, and mature rider discounts. Many insurers offer 10+ different discount opportunities you can stack for maximum savings. A $364 full coverage policy often drops to $250-$300 with multiple discounts applied.
- 7Purchase Your Policy
Once you select an insurer, you can purchase full coverage motorcycle insurance immediately online or by phone. You'll need to pay your first month's premium or a down payment on a six-month or annual policy. Most insurers offer monthly payment plans, though paying in full usually saves 5-10% compared to monthly installments. Your coverage becomes effective immediately after payment, and you'll receive proof of insurance documents via email within minutes.
- 8Review Your Policy Documents
Read your policy documents carefully when you receive them to verify that all coverage limits, deductibles, and endorsements match what you purchased. Confirm that the custom parts coverage, medical payments coverage, and other optional protections you selected appear in your declarations page. Check that your bike's VIN, address, and lienholder information (if financing) are accurate. Contact your insurer immediately if you spot errors; mistakes could lead to claim denials.
- 9Maintain Continuous Coverage
Set up automatic payments or calendar reminders to pay premiums before due dates. Letting complete coverage motorcycle insurance lapse creates coverage gaps that increase your future rates and leave you financially exposed. Most states require continuous insurance for registered motorcycles, and coverage lapses can result in license suspension, registration revocation, and reinstatement fees of $50-$500, depending on your state.
Comprehensive Motorcycle Insurance: Bottom Line
Full coverage motorcycle insurance protects both your legal liability and your bike's physical value by combining liability, collision, and comprehensive coverage into one policy. The decision to buy it versus liability-only coverage comes down to a simple question: Can you afford to replace your bike from savings if it's stolen or totaled? If the answer is no, full coverage is essential protection. Liability-only may be the more brilliant financial choice if you can easily absorb that loss.
Your premium varies dramatically based on your age, where you live, and which insurer you choose. The good news is that you control several factors that reduce your costs. Getting quotes from multiple companies, bundling with other policies, completing safety courses, and choosing higher deductibles can cut your premium substantially. The key is comparing options rather than accepting the first quote you receive.
Remember that full coverage doesn't actually cover everything. Your medical expenses, custom parts, and mechanical failures require additional coverage that you must purchase separately. Compare quotes now to find the right balance of protection and affordability for your situation.
Motorcycle Insurance Full Coverage: FAQ
Is full coverage motorcycle insurance required by law?
No, only liability coverage is legally required in most states. However, lenders will require full coverage motorcycle insurance with collision and comprehensive coverage until you pay off your loan. Once you own your bike outright, you can legally drop collision and comprehensive coverage, though you'll lose financial protection for your bike's value.
What's the difference between full coverage and liability-only motorcycle insurance?
Liability-only motorcycle insurance covers damages you cause to others, but not your own bike. Full coverage motorcycle insurance adds motorcycle collision coverage for crash repairs and comprehensive coverage for theft, vandalism, and weather damage. Full coverage costs 2-3 times more but protects your bike's value. Liability only protects your legal obligation to others.
Can I add full coverage to my existing motorcycle insurance policy?
Yes, you can contact your insurer to add collision and comprehensive coverage anytime. Your premium will increase immediately, and you'll need to select deductibles for both coverages, typically ranging from $250 to $1,000. Some insurers require a bike inspection before adding comprehensive coverage to verify its condition and prevent fraud.
How do I file a claim with full coverage motorcycle insurance?
For collision claims, contact your insurer within 24 hours after an accident. Your insurer will assign an adjuster to assess the damage, verify your coverage, and authorize repairs up to actual cash value minus your deductible. For comprehensive theft claims, file a police report first, then contact your insurer with the report number. Your insurer will pay the cash value minus your deductible if your bike isn't recovered within 30 days.
Does full coverage pay for a rental motorcycle while mine is being repaired?
No, full coverage motorcycle insurance doesn't include rental reimbursement unless you add it separately. Rental reimbursement pays $20-$40 daily toward a replacement bike during repairs after a collision or comprehensive claims. Without this add-on, you'll pay all rental costs or go without transportation during repairs, which often take 2-4 weeks.
What deductible should I choose for full coverage motorcycle insurance?
Choose collision and comprehensive deductibles that you can pay immediately from your savings. Higher deductibles of $500-$1,000 will reduce your full coverage motorcycle insurance costs by 20-40% but require more out-of-pocket payment when you file claims. Lower deductibles of $250-$500 increase your premiums but minimize your expenses after claims. Most riders find that $500 deductibles offer the best balance between affordable premiums and manageable out-of-pocket costs.
Can I get full coverage motorcycle insurance on an older motorcycle?
Most insurers offer motorcycle collision coverage and comprehensive coverage for bikes up to 15-20 years old, though coverage may be limited for bikes worth under $2,000-$3,000. Older bikes depreciate every year, reducing what insurers will pay out. Eventually, this makes full coverage financially unwise. Calculate whether your full coverage motorcycle insurance cost makes sense compared to your bike's current market value before adding coverage to an older bike.
Does full coverage motorcycle insurance protect custom modifications?
Standard collision and comprehensive coverage excludes custom parts unless you add custom parts and equipment coverage. This endorsement covers expensive exhaust systems, upgraded seats, custom paint jobs, saddlebags, and other modifications up to specified limits, typically ranging from $3,000 to $10,000. Without this endorsement, comprehensive coverage will only reimburse your bike's stock value, not the $5,000-$15,000 you've invested in customizations.
What is considered full coverage motorcycle insurance?
Full coverage motorcycle insurance combines liability coverage (which is required in most states), collision coverage (which pays for repairs to your bike after crashes), and comprehensive coverage (which covers theft, vandalism, and weather damage). This three-coverage combination protects your legal liability to others and your bike's actual value, which is why it's called "full coverage."
How much is full coverage motorcycle insurance per month?
Full coverage motorcycle insurance costs $30 per month on average nationally, ranging from $10 to $103 monthly depending on your bike's value, age, location, riding history, and coverage limits. The average cost of full coverage motorcycle insurance varies significantly by state, from $17 monthly in Alaska to $156 monthly in Arizona.
How We Analyzed Comprehensive and Collision Motorcycle Insurance
MoneyGeek's complete coverage motorcycle insurance analysis uses comprehensive rate data we gathered from major insurers nationwide. We collected quotes for multiple motorcycle types, rider ages, coverage levels, and locations to determine typical full coverage costs compared to minimum coverage. Our research team contacted insurers directly to verify coverage details, exclusions, and endorsements included in full coverage motorcycle insurance policies.
All cost data in this article, including average full coverage motorcycle insurance costs by age, company, and state, comes from MoneyGeek's proprietary rate analysis conducted in 2025. To provide comprehensive guidance, we evaluated state insurance requirements, insurer financial strength ratings from AM Best, and customer complaint data from state insurance departments.
About Rachael Brennan
Rachael Brennan is a licensed insurance agent with over a decade of experience in the industry. She holds a property and casualty (P&C) license across all 50 states and a life, health, and accidental death and dismemberment (AD&D) license in New York and surrounding states. She writes personal finance and insurance content for MoneyGeek, specializing in property, casualty, health, life and accidental death and disability insurance.
Brennan earned her Bachelor of Science in Communications from Texas A&M University-Commerce. As a writer, she uses her insurance and personal finance experience to share practical knowledge and help people make informed financial decisions.