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Imagine purchasing a brand-new motorcycle, taking it for a spin, and watching it burst into flames.

This can be a harrowing reality for people and has happened to motorcycle owners in the past. Do you want to be one of them? Do you want to be the one who is holding his/her head in their hands while seeing their purchase go to waste?

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No!

This is where insurance is promoted as an option, but you are going to have one question, and that is, “Should I get full coverage on my motorcycle?” – this read will give you an answer.

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What is Full Coverage Motorcycle Insurance?

A Rider On Bike Standing On the Road

Let’s begin by defining this type of coverage for those hoping to learn more about it.

Full coverage is a combination of insurance features that are packed into one agreement. This is wholly different from a regular insurance agreement where a particular set of features are included (i.e., liability/collision/total loss).

It takes key features from each variation and includes them in one package for complete coverage.

What Does It Cover and The Benefits:

  1. Full Protection From Damages
  2. Better Long-Term Value
  3. Peace of Mind
  4. Best Rates
  5. Customizable Features

The benefits will vary from agency to agency, but full coverage is the way to go for peace of mind. It is packed with quality advantages to ensure the asset is as safe as possible. It is going to be comprehensively protected.

This is important with a purchase of this nature due to how much it costs and how likely it can be for damage to occur. Instead of having the bare minimum, full coverage offers appropriate control.

To obtain the cheapest full coverage, you must request motorcycle insurance quotes from multiple sources and compare them.

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How Much is Full Coverage Motorcycle Insurance?

It will generally vary depending on the patient’s age, gender, type of motorcycle, area, and more. These variables are just like any other insurance package and will be considered before a firm quote is offered.

Here are the averages across the country by age:

18-24 Years Old: $1000-3000/Year
25-60 Years Old: $400-800/Year

Additional research has shown riders from the states of Iowa, Oklahoma, and North Dakota tend to have the lowest average prices across all age groups.

What are the Disadvantages?

Let’s move on to the cons of full coverage motorcycle insurance for those still looking to learn about this option and what it offers. Like anything else, this has cons, and it is best to be aware before weighing the pros and cons.

  • Can Be Expensive For Younger Age Bracket
  • Can Start To Creep Over “Replacement Value” For Cheaper Motorcycles
  • Takes Longer To Lower Premiums

These details have to be weighed before making a choice. Full coverage insurance is ideal if the right agency is found because an affordable package such as this is empowering.

Comparison Vs. Other Types of Insurance

What about some of the other types you’ll find on the open market while speaking to an insurance agent? What other options do you have available to you?

  • Liability

Liability insurance includes protection against property damage and bodily injury. For example, if someone were injured, the insurance agency would foot the hospital bills instead of you. It is possible to control the amount you are protected for a while signing the agreement.

Full Coverage offers this benefit and more which is why it gets the name “full” in the first place.

  • Comprehensive

The next option you will be presented with would be comprehensive insurance which is different from liability insurance. With comprehensive insurance, you will receive protection for damage to the other person’s vehicle/motorcycle, your motorcycle, and any damage related to gear (i.e., helmets/pads).

It will also include compensation for stolen motorcycles and non-collision incidents (i.e., a pole falling on your motorcycle randomly).

With full coverage, you will get a customizable set of features making it easier to choose a perfect agreement. It takes the best of each one and gives you a wider net of protection instead of the barebones offered by the two mentioned above.

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Author

Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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