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Core coverages
| Coverage | What it does | Required? |
|---|---|---|
| Bodily injury liability | Pays for injuries you cause to others | In almost every state |
| Property damage liability | Pays for damage you cause to others’ vehicles and property | In almost every state |
| Collision | Repairs your bike after a crash, including tip-overs | If financed or leased |
| Comprehensive | Theft, vandalism, fire, weather, animal strikes | If financed or leased |
| Uninsured/underinsured motorist | Your injuries (and sometimes bike damage) caused by an under-insured driver | Required in some states, such as Connecticut, New York and Wisconsin |
| Medical payments / PIP | Medical bills for you and your passenger | Varies by state |
Motorcycle-specific options
- Accessories and custom parts: covers saddlebags, custom paint, chrome and upgrades. Progressive includes $3,000 with full coverage and sells up to $30,000.
- Total-loss replacement: pays to replace a new bike rather than its depreciated value. Progressive pays full MSRP minus the deductible for eligible new bikes; Dairyland and Harley-Davidson Insurance offer replacement cost on newer bikes.
- Guest passenger liability: covers injuries to your passenger in states where standard liability doesn’t.
- Carried contents and riding gear: helmets, jackets and items in your bags.
- Roadside assistance: towing and help if your bike breaks down.
- Trip interruption: lodging and meals if you break down far from home (Progressive pays up to $500).
- OEM parts: genuine manufacturer parts for repairs.
- Enhanced injury protection: Progressive’s optional cover pays up to $250 a week for up to two years plus a $25,000 death benefit.
Liability-only or full coverage?
| Choose liability-only (plus UM and medical) if… | Choose full coverage if… |
|---|---|
| Your bike is older and low in value | Your bike is financed or leased |
| You could afford to replace it | Your bike is new or valuable |
| You have no costly accessories | You’ve invested in custom parts |
In MoneyGeek’s 2026 data, full coverage cost about $223 a year more than liability-only for a 40-year-old on a mid-size bike. See average costs.
Why rider protection matters
NHTSA data shows riders are almost 27 times more likely to die and almost 5 times more likely to be injured per mile than car occupants. Your own health insurance may cover some medical bills, but uninsured motorist cover also pays for pain and suffering and lost income when another driver is at fault and lacks insurance.
State requirements
Almost every state requires motorcycle liability insurance, with its own minimum limits. Some states allow alternatives such as proof of financial responsibility, and Florida and New Hampshire have unique rules. Riding uninsured where it’s required can mean fines, impoundment, license suspension and SR-22 filings; see our SR-22 guide.
Next, compare insurers in our best motorcycle insurance guide.
Frequently asked questions
What is full coverage motorcycle insurance?
Liability plus collision and comprehensive, so your own bike is protected as well as other people.
Does motorcycle insurance cover my riding gear?
Many policies or add-ons cover helmets, jackets and carried contents. Check your policy’s limit.
Does collision cover a motorcycle tip-over?
Generally yes. Dairyland, for example, says collision applies if your bike tips over.
Do I need uninsured motorist cover on a motorcycle?
It’s required in some states and strongly recommended everywhere, because riders are far more likely to be injured.
Are custom parts covered?
Only up to your accessory limit. Progressive includes $3,000 with full coverage and sells up to $30,000.
Sources
- Progressive – Motorcycle coverages
- Dairyland – Motorcycle coverages
- Harley-Davidson Insurance – What motorcycle insurance covers
- GEICO – Motorcycle insurance requirements by state
- Progressive – State motorcycle insurance requirements
- Dairyland – Seasonal motorcycle insurance
- Insurify – Motorcycle insurance (Feb 2026)
- NHTSA – Motorcycle safety
- MoneyGeek – Average cost of motorcycle insurance (Oct 2026)
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.