Full motorcycle insurance usually includes both liability coverage as well as comprehensive and collision insurance. 

This more extensive type of motorcycle insurance will cover repairs or replacement in the event your bike is damaged in an accident, vandalized, or stolen.

Be prepared to pay a higher premium for full motorcycle insurance coverage. With more coverage comes a higher price.

Your rates for any type of policy will depend on several factors, including where you live, your age, and your driving record just to name a few. 

Full motorcycle insurance coverage is usually much more expensive than a basic policy with just state-required minimum liability coverage. 

When compared to just a policy with minimum liability coverage, you can expect to pay anywhere between eight to twelve times higher for a full coverage policy that includes collision and comprehensive insurance. 

The added cost is due to the fact that more extensive coverage increases the likelihood of a potential claim being filed because the added coverage provides protection against more claim-eligible scenarios.

Full coverage motorcycle insurance includes both state-minimum liability coverage and collision and comprehensive coverage.

Collision coverage protects your bike if it’s damaged in an accident, regardless of who is at fault. 

Comprehensive coverage, on the other hand, covers damage caused by events beyond your control, such as theft, vandalism, or weather damage.

While collision and comprehensive coverage are both optional, they can be very important in protecting your investment. 

If you’re financing your motorcycle, your lender may require you to carry collision and comprehensive coverage. 

Even if you’re not required to have it, though, it’s still a good idea to consider these coverages.

If you live in an area with a high rate of motorcycle theft or vandalism, comprehensive coverage can give you peace of mind knowing that your bike is covered. 

Also, if you live in an area with severe weather conditions, comprehensive coverage can protect you from having to pay out of pocket for repairs if your bike is damaged in a storm or flood.

For motorcycle owners who ride seasonally, comprehensive coverage can be a huge benefit when you’re not riding because your bike will be protected while it’s in storage.

No matter where you live or what type of bike you have, collision and comprehensive coverage can give you added protection in the event of an accident or other covered event.

State-mandated minimum insurance coverage can include:

Liability motorcycle insurance is a type of coverage that can help protect you financially if you’re found at fault for property damage or injuries to another person in an accident. 

This coverage typically includes two parts: property damage liability, which can help pay to repair or replace property damaged in an accident you cause, and bodily injury liability, which can help pay for the other person’s medical expenses and any resulting legal costs. 

While liability coverage is not required by law in every state, it may be required as part of a financing agreement if you are leasing or borrowing your motorcycle. 

And even if it’s not required, it’s still a good idea to have this coverage in place to help protect yourself financially in the event of an accident.

Personal injury protection motorcycle insurance coverage is a type of insurance that can help to cover the cost of medical care and other expenses if you are injured in a motorcycle accident. 

The coverage can help to pay for things like hospitalization, surgery, rehabilitation, and lost wages. 

In some cases, it can also help to cover the cost of funeral expenses. 

Personal injury protection motorcycle insurance coverage is not required in all states, but it is an important type of coverage to consider if you ride a motorcycle. 

If you are involved in an accident, personal injury protection motorcycle insurance can help to ease the financial burden and give you peace of mind.

Uninsured motorist motorcycle insurance is designed to protect you if you’re in an accident with a driver who doesn’t have insurance. 

If you’re hit by an uninsured driver, this coverage will help pay for your medical expenses, lost wages, and other damages. 

In some states, uninsured motorist motorcycle insurance is required by law. 

Even if it’s not required, it’s a good idea to have this coverage to protect yourself in case of an accident. 

When shopping for motorcycle insurance, be sure to ask about uninsured motorist coverage and make sure you’re getting the right amount of protection for your needs.

There are a few things to consider when deciding if full coverage motorcycle insurance is right for you. 

First, how much is your bike worth? If it’s an older model or not worth very much, full coverage may not be necessary since the payout in the event of a total loss may not be very high. 

Second, do you have a good driving record? If you’ve been in a lot of accidents or have had multiple speeding tickets, full coverage will likely be more expensive since you’re seen as a higher risk. 

Finally, can you afford the monthly premium? Full coverage motorcycle insurance is typically more expensive than basic liability insurance, so be sure to shop around and compare rates before making a decision.