Best Motorcycle Insurance in California 2025 – Compare Quotes & Save Up To 47%

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California Motorcycle Insurance Requirements (2025)

California is a mandatory insurance state. You must carry at least:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability

Proof of insurance must be carried at all times (paper or electronic).

Average Motorcycle Insurance Costs in California (2025 Rates)

Coverage Level	Average Annual Cost	Best For
State Minimum Liability	$312 – $680	Budget riders, older bikes
Liability + Comprehensive/Collision	$780 – $1,450	Most riders (recommended)
Full Coverage + Accessories	$1,150 – $2,800+	New bikes, financed, high-value customs

Cheapest Motorcycle Insurance Companies in California (2025)

Progressive – Best overall rates + vanishing deductible
Geico – Lowest rates for clean records & military
Dairyland – Accepts high-risk riders & SR-22
Allstate – Excellent custom parts coverage
Harley-Davidson Insurance – Best for H-D owners

Frequently Asked Questions

What is the minimum motorcycle insurance required in California?

California requires 15/30/5 liability coverage: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage. Uninsured motorist and medical payments are optional but highly recommended.

How much does motorcycle insurance cost in California in 2025?

Average annual cost ranges from $312 (minimum liability) to $1,150+ for full coverage. Riders in Los Angeles and San Francisco pay 20-40% more than rural areas.

Who has the cheapest motorcycle insurance in California?

Progressive, Geico, and Dairyland consistently offer the lowest rates in 2025. Clean riders with safety courses can save an additional 10-25%.

Do I need motorcycle insurance if I have a car policy?

No. Auto insurance does not cover motorcycles in California. You must have a separate motorcycle policy.

Can I ride without insurance in California?

No. Riding without at least 15/30/5 liability coverage can result in fines up to $500, license suspension, and vehicle impound.

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Last updated: November 2025. Rates based on aggregated data from top California insurers.