Full coverage motorcycle insurance, as the name insinuates, covers both you and your vehicle in the case of an accident. All damages you cause to other drivers or riders is covered and if your vehicle gets damaged by anything, you're insured up to the actual cash value of parts or your entire bike. However, personal liability coverage is not included for your injuries in an in accident and a medpay or PIP policy must be added to cover it.
Full Coverage Motorcycle Insurance
Updated: April 25, 2025
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What Does Full Coverage Motorcycle Insurance Cover?
What Policy Types Are Included in Full Coverage Motorcycle Insurance?
Below are the types of policies that are included with full coverage motorcycle insurance:
- Liability insurance: This covers you for bodily injuries, property damage, and legal fees in relation to damages you've caused.
- Collision insurance: This covers damages for your vehicle up to its actual cash value for collisions with other vehicles and stationary objects.
- Comprehensive insurance: This covers you for bike damages due to theft, vandalism, weather, animals or other natural phenomena.
Is Full Coverage Worth It On A Motorcycle?
If you frequently drive a motorcycle, ride on highways, live in a densely populated area and can't afford repairs or replacing your vehicle, full coverage is likely worth it for you. However, if you are an infrequent rider and only ride on occasion for pleasure, you'll be much less likely to make a claim and use comprehensive or collision protection that's included in full coverage. Even so, it's best to review your own risk factors, financial situation and to get a second opinion from an agent to decide what is best for you and what'll give you the most peace of mind.
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.