Motorcycle – Full Coverage vs. Liability-Only: Which Is Right for Your Bike?

Choosing the right motorcycle insurance is an important decision for California riders. Understanding the differences between full coverage and liability-only insurance can help you look after your bike and manage costs effectively.

What is Liability-Only Motorcycle Insurance?

Liability-only insurance is the minimum motorcycle coverage that may be required by law, depending on where you live. It can cover bodily injury and property damage you may cause to others in an accident, but it does not pay for damage to your own bike or cover your injuries.

Liability-only insurance may be a good fit if:

• You have an older motorcycle with a lower value
• You want to keep your insurance costs as low as possible
• You’re comfortable paying your own repair or replacement costs

What Does Full Coverage Motorcycle Insurance Include?

Full coverage insurance goes beyond the basics and typically combines liability coverage with collision and comprehensive insurance. This means your policy may help pay for repairs to your bike after an accident, as well as damage resulting from theft, vandalism, fire or certain weather events.

Full coverage may be the right choice if:

• You have a newer or higher-value motorcycle
• You want coverage for a broader range of risks
• You have a loan or lease that may require comprehensive and collision coverage

Key Considerations for Riders

Motorcycle insurance laws may require riders to carry at least liability coverage, but full coverage can sometimes offer broader support, especially given road risks, theft and severe weather. When choosing between these options, consider your bike’s value, how often you ride and whether you can pay for repairs out of pocket.

We’re Here to Help

Contact Farrell Insurance Agency today to review your coverage options and get a free quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.