a person riding a motorcycle on a road in the mountains

Comprehensive Motorcycle Insurance

Protecting your motorcycle is important to you, and when the unexpected happens, you’ll rest easier knowing you have comprehensive motorcycle coverage for your ride. American Family Insurance is here to help you learn about how this coverage helps protect you from the financial costs of repairing your motorcycle after an accident that doesn’t involve other vehicles.

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What Is Comprehensive Motorcycle Insurance?

We know you depend on your bike for a lot. That’s why comprehensive motorcycle coverage is so important. Comprehensive motorcycle insurance is additional insurance that helps cover the cost to repair or replace your motorcycle if your bike is damaged in an accident — one that doesn’t involve another vehicle or motorcycle.

Take a look at all the great ways this key insurance protects you and your bike wherever you go.

What Types of Events Are Covered With Comprehensive Bike Insurance?

Comprehensive insurance isn’t typically mandatory, but if you have a lease or loan on your bike, your lender will probably require it. While collision insurance is designed to protect your bike after accidents involving other vehicles or objects, comprehensive coverage provides protection for instances where another vehicle isn’t involved.
Events that are typically covered with Comprehensive Motorcycle Insurance include:

  • Theft
  • Vandalism
  • Some falling objects
  • Floods
  • Collisions with animals
  • Fires and explosions
  • Hail
  • Natural disasters

How Much Does Comprehensive Bike Coverage Cost?

Like collision coverage, your premium depends on the deductible you choose. Because your deductible is the amount of money you’ll be responsible to pay out of pocket, you get to select the deductible that fits your budget best. Most deductibles range between $100 - $1,000.

Why Do I Need Comprehensive Coverage If My Motorcycle’s Paid Off?

When the unexpected happens, you shouldn’t be out the cost to pay for damages or to replace your motorcycle outright if it’s totaled. And just because your bike’s paid off, there’s no reason to lose this important protection. Comprehensive coverage gives you that extra piece of mind even after your loan is paid off.

Is My Custom Bike Covered by Comprehensive Insurance?

Our comprehensive coverage covers your cycle up to $3,000, and there are higher limits available above that, too. High-end customizations and tricked-out custom parts are often covered under separate, custom policies. Contact your agent for details on accessory coverage options for your specialized ride.

If My Bike Breaks Down on the Road, Will I Be Covered by Comprehensive Insurance?

While comprehensive insurance doesn’t cover breakdowns, we do offer motorcycle emergency roadside assistance coverage. This optional coverage offers:

  • Flat tire repair
  • Motorcycle towing services
  • Battery failure
  • Gasoline and oil deliver*
  • Locksmith services**

What Other Insurance Is Available for My Motorcycle?

Building a policy that’s unique to your lifestyle and your budget is what we’re all about. Like car insurance, the motorcycle insurance offered below can be customized to protect you best. Here are some of the ways our various types of motorcycle insurance can cover you:

Property damage and bodily injury liability insurance

When you’re found legally responsible for damages to someone else’s property or for injuries to others, you’ll have protection. Our liability coverage gives you peace of mind and also can help cover the costs for the medical expenses or lost wages of others you injure.

Motorcycle collision coverage

If you get into an accident with another vehicle or object, collision insurance protects you whether you’re at fault or not.

Uninsured and underinsured motorcycle insurance coverage

With our uninsured or underinsured motorist coverage for motorcycles, you’ll be protected if an at-fault driver can’t or won’t pay for damages.

What Discounts Are Available for Motorcyclists?

American Family Insurance offers several discounts specifically for bikers like you. From insuring multiple motorcycles with us, to a break in costs for being covered with American Family across the whole year, we’ll help you save wherever you’re eligible.
We’re an insurance company that values training and safety — that’s why we’ll reward your dedication with a discount after you’ve completed an approved motorcycle safety course. You’ll also receive the benefit of a discount when you ride with motorcycle safety equipment on board. Ride safe, and you’ll be rewarded.

There’s nothing like the feeling of freedom you get when you hit the open road. Take a few moments and check in with your American Family Insurance agent to go over your policy and see if adding comprehensive coverage makes sense. With our comprehensive protection, you’ll be able to ride with the confidence that the investments you’ve made to pursue your dreams are well-protected.