There is no such thing as a policy called "full coverage", this is not a thing, when you call or sit with a rep and tell him you want full coverage he just sells you the parts of the policy that a bank will require due to bike having a loan. This is not a good way to buy insurance, mostly low coverage maximums, satisfies the bank and gets you a low rate.
You can not compare rates between cities, much less states. States have different insurance regulations, loss ratio's with computers are very carefully monitored by location, your personal record comes into play and whether this is the only vehicle or is it a multiple vehicle policy, all these things affect the rate.
I say this all the time, buy ALL the insurance you can possibly afford, buy the most personal protection offered, buy uninsured motorists, buy towing and labor (CHEAPEST place you can get towing is your insurance company). If you get hurt it is impossible to have to much insurance, here in Florida 1 out of 3 have no insurance. Plan on that guy hitting you.
And I have a neighbor who constantly brags about paying $360.00 year for full coverage. He has $10,000 worth of coverage. What kind of car can you hit that if totalled can be replaced for $10K? He has a house and cars that a sharp lawyer will own if he causes a bad loss. Prepare for this loss.