Best Full Coverage Motorcycle Insurance in the US – 2025 Guide

Owning a motorcycle brings an unmatched sense of freedom and thrill. But along with the excitement comes responsibility—especially when it comes to protecting your bike, yourself, and others on the road. That’s where motorcycle insurance with full coverage in the US plays a crucial role. Whether you’re a weekend rider or a daily commuter, full coverage insurance ensures you’re financially secure in case of accidents, theft, or damage.

In this article, we’ll explore everything you need to know about motorcycle insurance with full coverage in the US, including what it covers, why it’s essential, how much it costs, and tips for finding the best policy.

What is Full Coverage Motorcycle Insurance?

Full coverage motorcycle insurance typically includes a combination of three major components:

• Liability Insurance

• Collision Coverage

• Comprehensive Coverage

Let’s break each one down:

1. Liability Insurance

This is required by law in most states. It covers bodily injury and property damage to others if you’re at fault in an accident.

2. Collision Coverage

Covers the cost of repairing or replacing your motorcycle if it’s damaged in a crash, regardless of who’s at fault.

3. Comprehensive Coverage

Protects your bike against non-collision events like theft, vandalism, fire, or natural disasters.

In some cases, full coverage policies also include uninsured/underinsured motorist coverage, medical payments, and accessory coverage for custom parts.

Why Full Coverage is Important for Motorcycle Owners

Motorcycles are more exposed to damage and theft compared to cars. With less protection in a crash and a higher risk of injury, it’s essential to have robust insurance. Here’s why:

• High Repair Costs: Even minor accidents can result in costly repairs.

• Theft Protection: Motorcycles are easier to steal than cars. Full coverage helps recover the loss.

• Natural Disasters: Your bike can be damaged by hail, floods, or fire—comprehensive coverage protects against this.

• Legal Requirements: Liability is legally required in almost every state. Full coverage ensures you meet and exceed minimums.

In short, motorcycle insurance with full coverage in the US gives riders peace of mind.

What’s Typically Covered in a Full Coverage Policy?

While policy features may vary by provider, a standard full coverage motorcycle insurance in the US often includes:

Cost of Full Coverage Motorcycle Insurance in the US

The cost varies widely based on multiple factors, such as:

• Location: Urban areas with higher theft or crash rates = higher premiums.

• Age and Experience: Younger riders usually pay more.

• Type of Motorcycle: Sport bikes often cost more to insure than cruisers.

• Driving History: Clean records lead to lower rates.

• Coverage Limits and Deductibles: Higher limits and lower deductibles mean higher premiums.

Average Annual Premium (Estimated)

Note: These are estimated national averages. Always get a custom quote for your specific situation.

Top Companies Offering Full Coverage Motorcycle Insurance in the US

When shopping for motorcycle insurance with full coverage in the US, consider providers with strong reputations for service, claims processing, and rider-specific features.

1. Progressive

• Offers customizable full coverage plans

• Accessory and custom parts coverage up to $3,000 (with options to increase)

• Discount for safe riders and bundled policies

2. GEICO

• Competitive pricing for full coverage

• 24/7 claims support

• Coverage for both standard and high-performance bikes

3. Allstate

• Includes roadside assistance

• Option to add new motorcycle replacement coverage

• Multi-policy discounts available

4. Dairyland

• Great for high-risk drivers

• Full coverage even for sport bikes

• Flexible monthly payment options

5. Nationwide

• OEM (original equipment manufacturer) parts replacement included

• Generous custom parts coverage

• Accident forgiveness feature

How to Get the Best Rate on Full Coverage Motorcycle Insurance

Want to get great protection without breaking the bank? Here are a few tips:

1. Compare Multiple Quotes

Use online comparison tools or speak with agents from different companies. Rates can vary by hundreds of dollars.

2. Bundle Your Insurance

If you already have auto or home insurance, consider bundling with the same provider for a discount.

3. Increase Your Deductible

A higher deductible lowers your premium, but be sure you can afford it in case of an accident.

4. Take a Motorcycle Safety Course

Many insurers offer discounts if you complete an approved safety course.

5. Maintain a Clean Driving Record

Avoid traffic violations and accidents to enjoy lower premiums over time.

Custom and Vintage Bikes: Are They Covered?

Yes, but with conditions. If your motorcycle has custom parts, a vintage frame, or aftermarket enhancements, basic full coverage may not be enough.

Look for Accessory Coverage or Custom Parts and Equipment (CPE) coverage which protects the value of custom work. Some providers allow up to $30,000 in custom parts coverage.

Make sure to:

• Keep receipts and documentation

• Take photos for claims

• Get appraisals for vintage bikes

Seasonal Riders: Should You Cancel Insurance in the Winter?

Many motorcyclists in colder states store their bikes for the winter. While it might seem like a good idea to cancel insurance during the off-season, this can backfire.

Why Keep Coverage Year-Round?

• Theft and damage can happen anytime, even in storage.

• Lapses in insurance can raise your future premiums.

• Some companies offer “lay-up” policies that reduce your premium during non-riding months while keeping essential protections active.

What Happens If You Ride Without Full Coverage Insurance?

Riding without the required liability insurance can result in:

• Fines and penalties

• License suspension

• Seizure of your bike

• Personal liability for damages/injuries

Without full coverage, you’ll also be responsible for all your bike’s repair costs, even if it’s not your fault. Imagine totaling your $15,000 Harley in an accident—can you afford to replace it out of pocket?

Final Thoughts

Choosing the right motorcycle insurance with full coverage in the US isn’t just about checking a legal box—it’s about protecting your investment and yourself. While full coverage costs more than liability-only plans, it offers financial security, peace of mind, and greater protection on and off the road.

Take time to compare quotes, assess your bike’s value and usage, and select add-ons that match your needs. Whether you’re a first-time rider or a seasoned biker, full coverage motorcycle insurance is your best riding partner.

Frequently Asked Questions (FAQs)

1. Is full coverage motorcycle insurance required by law in the US?

No. Only liability insurance is legally required, but full coverage is recommended, especially for newer or financed motorcycles.

2. Can I insure a motorcycle I don’t own?

Yes, but you’ll typically need to be listed on the title or get permission from the owner.

3. Does full coverage include roadside assistance?

Not always. It’s often an optional add-on.

4. Is gear like helmets or jackets covered under full coverage?

Only if you have accessory coverage. Otherwise, protective gear is not automatically covered.

5. Can I pause my full coverage insurance in winter?

Some insurers offer “lay-up” policies or storage options to reduce your premium during the off-season.