Motorcycle Insurance California: Get Your Free Quote Today!

Do you need motorcycle insurance for the golden state of California? If you need information on safety tips or the current laws for California, you’ve come to the right place!

State Liability Requirements

Required Liability Coverage:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$15,000 property damage liability per accident

Motorcycle Insurance California: State Requirements

When riding a motorcycle, moped, or cruiser in California, you must adhere to the state’s insurance requirements to stay compliant with the law and protect yourself on the road. At a minimum, California requires all motorcycle owners to have liability insurance, which includes $30,000 for injury/death to one person, $60,000 for injury/death to more than one person, and $15,000 for property damage. Motorcycle insurance in California is essential for legal compliance and peace of mind while enjoying the open roads.

Choosing the right motorcycle insurance in California involves comparing rates and coverage options from various providers. You can find full coverage, liability only, and additional protections like uninsured motorist coverage. Below is a comparison table highlighting some options available:

Insurance CompanyLiability Only (Monthly)Full Coverage (Monthly)
Progressive$35$90
National General$40$100
Dairyland$38$95

Key Points to Consider:

  • Ensure you meet California’s minimum liability requirements.
  • Compare rates to find the most affordable options.
  • Consider additional coverage for comprehensive protection.

Taking the time to understand your options and requirements for motorcycle insurance California can save you money and ensure you’re adequately protected. Always review the specific policy details and coverage limits to find the best fit for your needs.

Motorcycle Insurance California: Which Companies Offer It?

If you’re looking for motorcycle insurance in California, several reputable insurance companies offer comprehensive coverage options. These companies provide various plans, including liability, full coverage, and additional protections. Some of the top carriers offering motorcycle insurance in California are Progressive, National General, Dairyland, and The General. These providers are known for their competitive rates and reliable customer service.

To help you compare, we’ve created a table showing estimated monthly rates for both liability only and full coverage options from these companies. This will give you a better idea of what to expect when shopping for motorcycle insurance.

Insurance CompanyLiability Only (Monthly)Full Coverage (Monthly)
Progressive$35$90
National General$40$100
Dairyland$38$95
The General$42$105

Key Takeaways:

  • Compare rates from multiple providers to find the best deal.
  • Ensure your coverage meets California’s legal requirements.
  • Consider additional coverage options for comprehensive protection.

By evaluating these options, you can find the right motorcycle insurance in California that fits your budget and coverage needs. Always review the policy details to ensure you’re getting the best protection for your motorcycle.

Motorcycle Insurance California: How do you get a motorcycle license?

Getting a motorcycle license in California is a straightforward process that involves a few key steps. First, if you’re under 21, you must complete a California Motorcyclist Safety Program (CMSP) training course. All applicants, regardless of age, must pass a written test and a skills test at the Department of Motor Vehicles (DMV). Once you’ve passed these tests, you’ll receive your motorcycle license, allowing you to ride legally on California roads. Having a license is also a prerequisite for obtaining motorcycle insurance in California.

When preparing for the tests, studying the California Motorcycle Handbook is crucial. The handbook covers essential information about motorcycle operation, safety, and state laws. Here are the steps to get your motorcycle license:

  1. Complete the CMSP training course (if under 21).
  2. Pass the written knowledge test.
  3. Pass the skills test.
  4. Apply for your license at the DMV.

Getting your motorcycle license not only keeps you compliant with state regulations but also makes it easier to secure motorcycle insurance in California from reputable companies.

StepRequirementDetails
1CMSP Training CourseMandatory for applicants under 21
2Written Knowledge TestCovers motorcycle laws and safety guidelines
3Skills TestPractical test of riding skills
4DMV ApplicationFinal step to receive your license

By following these steps, you can confidently get your motorcycle license and then shop for the best motorcycle insurance California offers.

Motorcycle Insurance California: Laws You Need to Know

When it comes to motorcycle insurance California laws, there are several important regulations every rider should be aware of. California law mandates that all motorcycle riders carry a minimum amount of liability insurance, including $30,000 for injury/death to one person, $60,000 for injury/death to more than one person, and $15,000 for property damage. These requirements are designed to ensure that riders have financial protection in the event of an accident. Motorcycle insurance in California not only keeps you compliant with the law but also provides essential coverage for unforeseen incidents.

In addition to insurance requirements, California has specific helmet laws that apply to both motorcycles and mopeds. All motorcycle riders and passengers must wear a DOT-approved helmet at all times. Failure to comply with this law can result in fines and increased insurance rates. It’s also crucial to be aware of lane-splitting rules, which are legal in California but must be done safely and prudently. Here’s a quick list of key motorcycle laws in California:

  1. Minimum Insurance Requirements:
    • $30,000 for injury/death to one person
    • $60,000 for injury/death to more than one person
    • $15,000 for property damage
  2. Helmet Laws: DOT-approved helmets required for all riders and passengers.
  3. Lane Splitting: Legal but must be done safely.

Understanding these laws helps you stay safe and compliant, and ensures you get the best motorcycle insurance in California for your needs, whether you ride sports bikes, cruisers, or touring motorcycles.

LawRequirement
Minimum Insurance$30,000 injury/death (one person), $60,000 injury/death (multiple persons), $15,000 property damage
Helmet LawsDOT-approved helmet required for all riders
Lane SplittingLegal when done safely and prudently

By adhering to these laws and securing the right motorcycle insurance California, you can ride with confidence and peace of mind.

Motorcycle Insurance California: Let us help you get legal!

Getting legal with your motorcycle insurance in the Golden State is essential for riding with confidence. California law requires every rider to have liability insurance, which includes minimum coverage of $30,000 for injury or death to one person, $60,000 for injury or death to more than one person, and $15,000 for property damage. We can help you find the right policy that meets these requirements and fits your budget, ensuring you’re fully covered and compliant with state laws.

Shopping for motorcycle insurance in California can be overwhelming, but we make it simple by comparing rates from top insurance companies. Below is a comparison of monthly rates for liability only and full coverage from some of our trusted partners:

Insurance CompanyLiability Only (Monthly)Full Coverage (Monthly)
Progressive$35$90
National General$40$100
Dairyland$38$95
The General$42$105

Key Steps to Getting Legal:

  1. Verify your insurance meets California’s minimum requirements.
  2. Compare rates from multiple providers to find the best deal.
  3. Ensure you have proof of insurance while riding.

By taking these steps, you can easily secure motorcycle insurance in California and ride with peace of mind, knowing you’re fully protected and legal on the road. Contact us today to get started on finding the perfect policy for your needs.

Motorcycle Insurance California: Safety Tips

Staying safe on the road is crucial for every rider. Besides having the right motorcycle insurance in California, you should always wear a DOT-approved helmet, as required by state law. Additionally, wearing protective gear like gloves, jackets, and boots can significantly reduce injury in case of an accident. Make sure your motorcycle is well-maintained, with regular checks on tires, brakes, and lights to ensure everything is in optimal condition for a safe ride.

Defensive riding is another key to staying safe. Always be aware of your surroundings and anticipate the actions of other drivers. Maintaining a safe following distance, signaling your intentions clearly, and avoiding riding in blind spots can prevent many accidents. Below is a list of essential safety tips to keep in mind:

Essential Safety Tips:

  1. Wear a DOT-approved helmet and protective gear.
  2. Maintain your motorcycle regularly.
  3. Practice defensive riding techniques.
  4. Stay visible and avoid blind spots.

Having motorcycle insurance in California not only provides financial protection but also ensures peace of mind while you focus on enjoying your ride safely. Here is a comparison of monthly insurance rates from top providers to help you get started:

Insurance CompanyLiability Only (Monthly)Full Coverage (Monthly)
Progressive$35$90
National General$40$100
Dairyland$38$95
The General$42$105

By following these safety tips and securing the right insurance, you can enjoy the open roads with confidence.

Motorcycle Insurance California: Full Coverage Rates by City

Finding the best rates for motorcycle insurance in California can vary significantly depending on where you live. Full coverage policies, which include comprehensive and collision coverage, typically cost more in urban areas due to higher risks of theft and accidents. Here’s a comparison of full coverage rates by city from some of the top insurance providers like Progressive and National General. Understanding these variations can help you make an informed decision when purchasing your motorcycle insurance in California.

Here’s a breakdown of estimated monthly rates for full coverage across different cities:

CityProgressive (Monthly)National General (Monthly)
Los Angeles$120$135
San Francisco$110$125
San Diego$100$115
Sacramento$95$110
Fresno$90$105
San Jose$105$120
Oakland$115$130
Long Beach$95$110
Bakersfield$85$100
Anaheim$100$115
Santa Ana$95$110
Riverside$90$105
Stockton$90$105
Chula Vista$95$110
Irvine$100$115
Fremont$100$115
San Bernardino$95$110
Modesto$85$100
Fontana$90$105
Moreno Valley$90$105
Glendale$105$120
Huntington Beach$95$110
Oxnard$90$105
Ontario$95$110
Rancho Cucamonga$95$110
Santa Clarita$100$115
Garden Grove$90$105
Oceanside$95$110
Elk Grove$85$100
Corona$90$105

Key Points to Consider:

  • Rates vary by city due to factors like traffic density and theft rates.
  • Urban areas typically have higher insurance costs.
  • Compare rates from multiple providers to find the best deal.

By evaluating the rates from different cities, you can better understand how location impacts the cost of motorcycle insurance in California and choose the best coverage that fits your needs and budget.

Motorcycle Insurance California: Discounts to Ask Your Agent About

When it comes to motorcycle insurance in California, there are numerous discounts available that can help you save on your premiums. Asking your agent about these discounts can make a significant difference in your insurance costs. Common discounts include multi-policy discounts, safe rider discounts, and military discounts. For instance, if you bundle your motorcycle insurance with other policies like auto or home insurance, you can often get a substantial discount. Safe rider discounts are available if you’ve completed a recognized motorcycle safety course or have a clean riding record.

Here’s a comparison of estimated monthly rates for liability only and full coverage, including potential discounts from some of our trusted partners:

Insurance CompanyLiability Only (Monthly)Full Coverage (Monthly)Discount Example
Progressive$35$90Multi-policy: 10% off
National General$40$100Safe rider: 5% off
Dairyland$38$95Military: 7% off
The General$42$105Clean record: 8% off

Potential Discounts to Inquire About:

  1. Multi-Policy Discount: Combine multiple policies for savings.
  2. Safe Rider Discount: Rewards for completing safety courses.
  3. Military Discount: Special rates for active and retired military.
  4. Clean Record Discount: Savings for having no recent violations or accidents.

By exploring these discounts, you can reduce your motorcycle insurance in California costs significantly while maintaining comprehensive coverage. Be sure to ask your agent about these and other available discounts to ensure you’re getting the best possible rate. This can be especially beneficial in cities across the Golden State like Los Angeles, San Francisco, San Diego, Sacramento, and Oakland, where insurance rates might vary.

Motorcycle Insurance California: Cheapest Rates by City

Finding the cheapest motorcycle insurance in California can depend significantly on where you live. Rates vary by city due to factors like traffic density, accident rates, and local crime statistics. For example, motorcycle insurance in Los Angeles may cost more than in a smaller city like Bakersfield due to higher traffic and accident rates. By comparing rates from different insurance companies, you can find the most affordable options tailored to your specific location.

If you live in California, consider the city you live in when getting insurance quotes, this can answer many of your questions as to why your rates might be higher than your friends and family who may pay lower rates!

City in CaliforniaCheapest Insurance Company
AnaheimGeico
MurrietaDairyland
FairfieldThe General
Santa AnaDairyland
FresnoProgressive
SalinasGeico
Long BeachDairyland
HaywardProgressive
Daly CityGeico
BakersfieldGeico
Thousand OaksProgressive
BerkeleyDairyland
BurbankGeico
FremontDairyland
OrangeDairyland
Costa MesaThe General
East Los AngelesProgressive
TorranceProgressive
ModestoGeico
DowneyProgressive
IrvineProgressive
Los AngelesProgressive
VisaliaGeico
FontanaGeico
San MateoGeico
OntarioDairyland
OaklandDairyland
VistaThe General
CarlsbadThe General
OceansideGeico
LancasterProgressive
VallejoProgressive
PomonaProgressive
SacramentoGeico
EscondidoGeico
San Buenaventura (Ventura)Geico
Rancho CucamongaProgressive
RialtoDairyland
FullertonDairyland
CoronaProgressive
El MonteDairyland
Santa RosaProgressive
Moreno ValleyProgressive
Jurupa ValleyProgressive
StocktonProgressive
NorwalkDairyland
RiversideDairyland
Garden GroveProgressive
Santa ClaraGeico
PalmdaleThe General
Elk GroveGeico
San FranciscoProgressive
San JoseThe General
Simi ValleyProgressive
San DiegoProgressive
TemeculaProgressive
Motorcycle Insurance California: Most affordable companies

Motorcycle Insurance California: Coverage Options

When exploring motorcycle insurance in California, it’s crucial to understand the variety of coverage options available to protect yourself, your bike, and even mopeds. Basic liability insurance is mandatory and covers damages to others if you are at fault in an accident. For enhanced protection, consider adding collision, comprehensive, and uninsured/underinsured motorist coverage. These additional coverages safeguard against theft, damage from accidents, and incidents involving uninsured drivers.

Comparing rates from different providers, including popular options like Geico, can help you find the best deal. Here’s a table showing estimated monthly rates for different coverage options from top insurance companies:

Insurance CompanyLiability Only (Monthly)Full Coverage (Monthly)
Progressive$45$110
National General$50$115
Dairyland$40$105
The General$38$100

Coverage Options to Consider:

  1. Liability Insurance: Covers bodily injury and property damage you cause.
  2. Collision Coverage: Pays for damage to your bike from collisions.
  3. Comprehensive Coverage: Protects against theft, vandalism, and natural disasters.
  4. Uninsured/Underinsured Motorist Coverage: Covers your costs if the other driver lacks adequate insurance.

By exploring these motorcycle insurance California coverage options, including those tailored for cruisers, you can choose a policy that offers the right level of protection for your needs. Always compare quotes to find the best rates and coverage combinations.

Motorcycle Insurance California: Tips to Help!

Getting the best motorcycle insurance in California requires some strategic planning. Start by comparing quotes from multiple providers to ensure you get the best rates. Look for discounts such as multi-policy, safe rider, and military discounts, which can significantly reduce your premiums. Additionally, consider increasing your deductible to lower your monthly payments. Remember, motorcycle insurance in California must meet the state’s minimum liability requirements, so ensure your policy covers at least $30,000 for injury to one person, $60,000 for injury to more than one person, and $15,000 for property damage.

Below is a comparison of estimated monthly rates for liability only and full coverage from top insurance companies:

Insurance CompanyLiability Only (Monthly)Full Coverage (Monthly)
Progressive$45$110
National General$50$115
Dairyland$40$105
The General$38$100

Quick Tips for Lower Rates:

  1. Compare Multiple Quotes: Ensure you’re getting the best rate.
  2. Ask About Discounts: Multi-policy, safe rider, and military.
  3. Adjust Your Deductible: Higher deductibles can lower premiums.
  4. Meet State Requirements: Minimum liability coverage is essential.

By following these tips and understanding the various factors that affect your insurance rates, you can find an affordable and comprehensive motorcycle insurance California policy that fits your needs. Always review and compare policies to ensure you’re getting the best possible coverage at the best price.

[motorcycle insurance california] Insurance Discounts

Maximizing auto insurance savings is crucial. Top discounts include Safe Driver, Multi-Policy, and Good Student benefits. Bundle Savings, Low Mileage, and Anti-Theft perks further enhance affordability.

Safe Driver
Multi-Policy
Good Student
Bundle Savings
Low Mileage
Anti-Theft

How to Get a Free Quote [Motorcycle Insurance California]

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Frequently Asked Questions about Motorcycle Insurance in California


What does Motorcycle Insurance in California cover?

Our Motorcycle Insurance in California typically covers damages to your motorcycle, liability for injuries or property damage to others, and may include coverage for theft and vandalism. For detailed information, contact us.

How much does Motorcycle Insurance in California cost?

The cost of Motorcycle Insurance varies based on factors such as your driving history, the type of motorcycle, coverage limits, and more. To get a personalized quote, reach out to our experts.

How can I get a quote for Motorcycle Insurance in California?

To get a quote for Motorcycle Insurance in California, you can call us at 1.888.445.2793 or fill out our online quote form. Our experts will assist you in finding the best coverage for your needs.

car icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

house icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

motorcycle icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Here’s What Our Clients Say About Us​

Motorcycle Insurance in California

Our comprehensive guide to motorcycle insurance in California covers everything you need to know. Discover the benefits of having the right coverage, including:

  • Liability Insurance
  • Full Coverage Options
  • SR-22 Insurance
  • Motorcycle Insurance Rates
  • Discounts and Savings

For personalized guidance and a free quote, call us at 1.888.445.2793 today!

Last Updated on by Marlon Moss

Spread the love
Scroll to Top