What does full coverage motorcycle insurance actually include?

At a minimum, full coverage includes liability, collision and comprehensive coverage. Liability pays for damage you cause others. Collision pays to fix your bike after a crash. Comprehensive pays for theft, fire, weather and animal strikes. Most policies also add medical payments, uninsured motorist coverage and an optional roadside add-on.

Is full coverage required by law?

No. Only liability is legally required, and only in 49 states. Lenders, however, almost always require full coverage on financed motorcycles until the loan is paid off. If you own the bike outright, full coverage is a personal choice based on the bike's value, your savings and your appetite for risk.

Is full coverage the same as comprehensive?

No. Comprehensive is one piece of full coverage. Full coverage equals liability plus collision plus comprehensive, and often more. Comprehensive on its own only pays for non-crash events like theft, weather and animal strikes. It does not pay for crashes you cause, which is what liability and collision cover.

Should I drop full coverage as my bike gets older?

Many riders use a simple rule: drop full coverage once your annual premium exceeds 10% of your bike's market value. Run the math at every renewal. If your bike is worth $4,000 and your full coverage premium is $450 a year, full coverage is still likely worth it. If the bike is worth $1,500 and full coverage costs $500, the math may shift.

Does full coverage cover custom parts?

Only up to your stock accessory limit, which is often $1,000 to $3,000. If you have added an aftermarket exhaust, custom paint, saddlebags, fairings or upgraded lights, you may need to add custom parts and equipment coverage. Otherwise a claim could leave you short of what those parts are actually worth.

Does full coverage cover track days?

No. Track-day or competitive racing use is excluded from standard motorcycle policies. If you ride on a closed course, you typically need separate track-day or racing coverage, which is offered by specialty insurers. Riding on a track without that coverage can leave you fully exposed to crash, injury and liability costs.

How often should I shop for full coverage?

Once a year, ideally 30 to 45 days before renewal. Motorcycle rates change constantly as carriers refile, your bike depreciates and your driving record evolves. Many riders find a better price by comparing three or more quotes annually. Jerry can shop the market for you automatically as your policy approaches renewal.

Full Coverage Motorcycle Insurance: What It Includes and What It Costs

Key Takeaways

Full coverage motorcycle insurance combines liability, collision and comprehensive coverage into one policy.

It typically costs more than liability-only, but protects your bike against crashes, theft, weather and animal strikes.

Lenders almost always require full coverage on financed motorcycles.

Comparing quotes from multiple insurers with Jerry is one of the best ways to find a competitive price.

“Full coverage” motorcycle insurance is not a single policy you can buy. It is a phrase used for a policy that goes beyond your state minimum requirements and adds coverage for your own bike. If your motorcycle is financed, your lender will almost always require full coverage.

Jerry has helped 5,948 riders compare full coverage quotes in the past year. Here is exactly what full coverage means, what it pays for, what it costs and how to decide whether it is worth it for your bike.

See motorcycle quotes side-by-side with Jerry.

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What is full coverage motorcycle insurance?

Full coverage motorcycle insurance is a policy that combines liability with physical damage coverage for your own motorcycle, similarly to how full coverage car insurance works. At a minimum, it includes three pieces:

Liability pays for injuries and property damage you cause to others.
Collision pays to repair or replace your bike after an accident, regardless of fault.
Comprehensive pays for damage from non-collision events like theft, fire, vandalism, weather or hitting an animal.

Most full coverage policies also bundle medical payments, uninsured and underinsured motorist coverage, and optional add-ons like custom parts and equipment coverage.

Consider full coverage if:

You’re still paying off the bike, as lenders usually require collision and comprehensive coverage until the loan is paid off, and some also require gap insurance.
The bike is worth enough to insure. A good rule of thumb: if your bike is worth more than what you’d pay for a year of full coverage, keep it.
You couldn’t easily replace it out of pocket. Full coverage steps in so you’re not stuck paying for a new bike yourself.
You ride where theft is common. The FBI’s crime reporting program shows motorcycle theft is high in certain cities. Comprehensive coverage pays out if your bike gets stolen.
You ride in heavy traffic. More time around other drivers means a higher chance of an accident that collision coverage would handle.

Key takeaway: Full coverage motorcycle insurance combines liability, collision, and comprehensive coverage to protect both you and your bike. It’s worth it if you’re still paying off your motorcycle, couldn’t afford to replace it out of pocket, or ride where theft and accidents are more likely.

Jerry finds you full coverage motorcycle insurance fast

Jerry is a licensed insurance broker that puts side-by-side quotes for full coverage motorcycle insurance into one app, with no phone calls and no spam.

Create your profile. Share a few details about you and your bike.
Compare quotes. Jerry pulls up to 3 real-time quotes from multiple insurers, side by side.
Switch and save. Pick the best policy and Jerry handles the paperwork, including canceling your old policy.
Stay covered. Jerry watches market rates and lets you know when it is time to reshop.

Here are recent Jerry customer full coverage quotes.

Name	Date	Make	Insurer	Monthly quote

Anna, 33, ,	07/13/26	Triumph	National General	$89
Dorothy, 22, Travis Afb, CA	07/12/26	Kawasaki	Dairyland (The General)	$365
Benjamin, 50, Diamond Bar, CA	07/12/26	Harley-Davidson	Dairyland (The General)	$230
Roger, 43, Leesville, SC	07/12/26	Harley-Davidson	Dairyland (The General)	$36
Hannah, 56, Corpus Christi, TX	07/12/26	Honda	Dairyland (The General)	$55
Stephanie, 23, Ferndale, MI	07/12/26	Triumph	Progressive	$61
Adam, 19, Corsicana, TX	07/12/26	Cfmoto	National General	$59
Donald, 56, El Centro, CA	07/12/26	Harley-Davidson	Dairyland (The General)	$312
Katherine, 22, Geneva, IL	07/12/26	Kawasaki	National General	$13
Joseph, 22, Fairfield, CA	07/12/26	Husqvarna	Dairyland (The General)	$151

Anna, 33, ,

Date

07/13/26

Make

Triumph

Insurer

National General

Monthly quote

$89

Dorothy, 22, Travis Afb, CA

Date

07/12/26

Make

Kawasaki

Insurer

Dairyland (The General)

Monthly quote

$365

Benjamin, 50, Diamond Bar, CA

Date

07/12/26

Make

Harley-Davidson

Insurer

Dairyland (The General)

Monthly quote

$230

Roger, 43, Leesville, SC

Date

07/12/26

Make

Harley-Davidson

Insurer

Dairyland (The General)

Monthly quote

$36

Hannah, 56, Corpus Christi, TX

Date

07/12/26

Make

Honda

Insurer

Dairyland (The General)

Monthly quote

$55

Stephanie, 23, Ferndale, MI

Date

07/12/26

Make

Triumph

Insurer

Progressive

Monthly quote

$61

Adam, 19, Corsicana, TX

Date

07/12/26

Make

Cfmoto

Insurer

National General

Monthly quote

$59

Donald, 56, El Centro, CA

Date

07/12/26

Make

Harley-Davidson

Insurer

Dairyland (The General)

Monthly quote

$312

Katherine, 22, Geneva, IL

Date

07/12/26

Make

Kawasaki

Insurer

National General

Monthly quote

$13

Joseph, 22, Fairfield, CA

Date

07/12/26

Make

Husqvarna

Insurer

Dairyland (The General)

Monthly quote

$151

Last Updated July 14, 2026

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What full coverage motorcycle insurance covers

A typical full coverage motorcycle policy is built from several coverage parts. Here is what each one does and why it matters.

Liability coverage

Liability pays for other people’s medical bills and property damage when you are at fault in a crash. It is required by law in 49 states. Only Florida lets motorcyclists ride without it, and even there it is risky. State minimums are usually too low. The Insurance Information Institute reports that bodily injury claims in motorcycle crashes are frequently severe, which is why riders often consider higher limits than the state requires.

Learn more: What liability insurance covers

Collision and comprehensive coverage

Collision pays for repairs to your motorcycle after a crash, whether you hit another vehicle, a fixed object or laid the bike down. It pays out at your bike’s actual cash value, minus your deductible.

Comprehensive pays for damage from fire, vandalism, falling objects, weather, broken glass, collisions with animals and theft. While the National Insurance Crime Bureau found that motorcycle theft dropped in 2025, motorcycle theft is more frequent than car theft, which makes comprehensive insurance especially relevant for riders.

Uninsured and underinsured motorist coverage

Uninsured and underinsured motorist coverage pays your medical bills and bike damage when the at-fault driver has no insurance or not enough. The Insurance Research Council reports about 15% of U.S. drivers are uninsured nationally, and in some states the rate is even higher.

Learn more: How uninsured motorist coverage works

Roadside assistance

Roadside assistance pays for towing, jump-starts, flat tire help, fuel delivery and lockouts. It usually costs only a few dollars a month to add.

Custom parts and equipment coverage

If you’ve upgraded your bike with things like a custom exhaust, paint job, saddlebags, fairings, or extra lights, this coverage helps pay to repair or replace them if they’re damaged. Standard motorcycle policies usually only cover $1,000 to $3,000 worth of add-ons, so if you’ve spent more than that on upgrades, you’ll want to add this coverage to protect them.

What full coverage motorcycle insurance won’t cover

Even the most comprehensive policy has exclusions. Standard full coverage typically does not cover:

Mechanical breakdowns or normal wear and tear.
Track-day or competitive racing use.
Riding while excluded from the policy.
Intentional damage.
Use as a delivery or commercial vehicle.
Gear and apparel beyond your accessory limit, unless added.

Key takeaway: Full coverage protects you against crashes, theft, weather and most non-collision events, but it does not cover wear and tear, racing or commercial use.

How much does full coverage motorcycle insurance cost?

According to Jerry’s customer data, full coverage motorcycle insurance costs between $46 – $197 per month, while liability-only costs $13 – $47.

Several factors affect how much you pay, including your:

State and ZIP code.
Bike type, engine size and market value.
Age and years licensed.
Riding record.
Annual mileage.
Bike storage location.
Selected deductibles and limits.

Average full coverage cost by rider age

Rider age	Average monthly cost	Cheapest we found

18-21	$275	$76
22-25	$252	$75
26-34	$178	$53
35-44	$138	$37
45-54	$103	$34
55-64	$78	$25
>= 65	$66	$23

Last Updated July 14, 2026

Average full coverage cost by bike make and model

Bike	Average monthly cost	Cheapest we found

Kawasaki Ninja 500	$146	$81
Kawasaki Ninja ZX-6R	$494	$191
Harley-Davidson Street Glide	$130	$60
Kawasaki Ninja 650	$169	$90
Yamaha YZF-R3	$194	$86
Yamaha YZF-R6	$293	$114
Harley-Davidson Road Glide	$167	$72
Suzuki GSX-R600	$286	$121

Last Updated July 14, 2026

Get covered and ride confident with Jerry.

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FAQ

What does full coverage motorcycle insurance actually include?

At a minimum, full coverage includes liability, collision and comprehensive coverage. Liability pays for damage you cause others. Collision pays to fix your bike after a crash. Comprehensive pays for theft, fire, weather and animal strikes. Most policies also add medical payments, uninsured motorist coverage and an optional roadside add-on.
How much is full coverage motorcycle insurance?

Across Jerry data, full coverage on a motorcycle typically runs from $46 to $197 per month, and the range is wide. Your bike, your state, your age, your annual mileage and your record can swing the price by hundreds of dollars. Riders on older bikes with clean records often pay much less than under-25 riders on new sport bikes. The best way to know your real price is to compare quotes side by side.
Is full coverage required by law?

No. Only liability is legally required, and only in 49 states. Lenders, however, almost always require full coverage on financed motorcycles until the loan is paid off. If you own the bike outright, full coverage is a personal choice based on the bike’s value, your savings and your appetite for risk.
Is full coverage the same as comprehensive?

No. Comprehensive is one piece of full coverage. Full coverage equals liability plus collision plus comprehensive, and often more. Comprehensive on its own only pays for non-crash events like theft, weather and animal strikes. It does not pay for crashes you cause, which is what liability and collision cover.
Should I drop full coverage as my bike gets older?

Many riders use a simple rule: drop full coverage once your annual premium exceeds 10% of your bike’s market value. Run the math at every renewal. If your bike is worth $4,000 and your full coverage premium is $450 a year, full coverage is still likely worth it. If the bike is worth $1,500 and full coverage costs $500, the math may shift.
Does full coverage cover custom parts?

Only up to your stock accessory limit, which is often $1,000 to $3,000. If you have added an aftermarket exhaust, custom paint, saddlebags, fairings or upgraded lights, you may need to add custom parts and equipment coverage. Otherwise a claim could leave you short of what those parts are actually worth.
Does full coverage cover track days?

No. Track-day or competitive racing use is excluded from standard motorcycle policies. If you ride on a closed course, you typically need separate track-day or racing coverage, which is offered by specialty insurers. Riding on a track without that coverage can leave you fully exposed to crash, injury and liability costs.
How often should I shop for full coverage?

Once a year, ideally 30 to 45 days before renewal. Motorcycle rates change constantly as carriers refile, your bike depreciates and your driving record evolves. Many riders find a better price by comparing three or more quotes annually. Jerry can shop the market for you automatically as your policy approaches renewal.

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Our experts

Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.