Motorcycle Insurance California

Motorcycle Insurance California

Motorcycle Insurance California: Find the Cheapest Rates Now

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

Motorcycle Insurance California: State Requirements

The state minimum liability limits of insurance that is required in California by law is $15,000, $30,000, and $5,000

The cost for just liability only for your motorcycle insurance in California will definitely be the most appealing price to your eyes. But, paying the cheapest amount for coverage is not always in your best interests.

The limits for California are $15,000 for bodily injury per person, per accident, $30,000 bodily injury for all persons, per accident, and then $5,000 for property damage, per accident.

Now let’s say you live in a highly populated city where there are some pretty expensive cars driving the roads around you. If you cause an accident, and the other driver owns a 2021 Porsche Cayenne, do you think $5,000 is going to cover the property damage if the Porsche was a total loss? Definitely not! In this scenario, it would be good to obtain higher than what the state minimum requires for your liability limits.

Top 3 Cheapest Insurance CompaniesAverage Monthly Payment in California
Progressive Insurance$108.00
Dairyland$102.00
Geico$108.00

Motorcycle Insurance California: Which Companies Offer It?

The top best rated companies for motorcycle insurance in California are Geico, State Farm, Progressive, Dairyland, and Nationwide Insurance.

Geico is a great choice due to their great rates and A+ rating from the BBB (Better Business Bureau). Geico Insurance policies are generally about $70 per year, and they offer a wide range of products to give their customers an opportunity to save even more by bundling their insurance policies together.

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

Sorry…but you can’t just hop on a bike with your regular drivers license…you need to be aware of few things first:

  • First and foremost, you must be 21 years or older to obtain a motorcycle license in California. Drivers under the age of 21 must at least be 16 years old, and have a learners permit for 6 months. You must have a California license, or I.D for the state already.
  • You must pass the driving test at a local DMV office. There is a $33 application fee, a DL 44 form to fill out, a vision test, a written test, then you must provide a thumbprint, and take a photo for the permit as well.

Motorcycle Insurance California: Laws You Need to Know

  • Like most states, California definitely has laws to abide by as a motorcycle rider.
  • You must have a motorcycle license in order to drive a motorcycle.
  • Your motorcycle must have operational turn signals, mirrors, and a muffler to be legal.
  • For the state of California, it is illegal for both riders and passengers to ride without a helmet. Failure to wear a helmet could result in a $250 fine, and up to a year of probation.
  • Lane splitting is legal in California as long as the moving traffic is moving slower than the speed limit, or if traffic is stopped.
  • Lane sharing is also legal in California. Lane sharing is when 2 motorcyclists share a lane side by side in moving traffic.

Motorcycle Insurance California: Let us help you get legal!

With A Plus Insurance we strive to make the quoting process as easy and painless as possible. We know what you’re thinking… How can insurance be painless and easy? Not to toot our own horn or anything, but our customers’ testimonials speak for themselves.

We provide quotes with 5-10 minutes for motorcycle quotes! Why choose an agency for your insurance needs? Well, for many reasons.

To name a few, insurance rates through an agency can be much cheaper than going through an insurance company directly. In addition, with a local insurance agency, you get a personal touch you may not receive when going through a bigger corporation for your insurance needs.

Motorcycle Insurance California: Safety Tips

Riding a motorcycle is considered dangerous by many people. Add in the stressful California traffic you have to deal with in some areas, and the danger level is even higher. So here are some tips to hopefully help you have a safer riding experience.

  • First and foremost, make sure you have the correct California insurance coverage in place before you ride! Avoid blind spots, many drivers already have issues spotting bikers.
  • Use your mirrors, but also check behind you when changing lanes as well, don’t blindly trust your mirrors.
  • Wear the proper safety gear! This will ensure if you do have an accident, you have protected your body as much as possible.

Motorcycle Insurance California: Full Coverage Rates by City

Hearing the words “full coverage” on any type of motor vehicle can make someone nervous to hear the pricing options. Full coverage does not always have to be expensive. There are some ways to bring this premium down.

Your first option would be to opt for higher deductibles such as $1,000 or maybe even higher. Keep in mind though, if you are financing your bike, some lienholders will not let you obtain a higher deductible.

Pro tip: find out if your lienholder has any deductible requirements before shopping for insurance. This will save you some time and hassle.

If you do not finance your vehicle, but still want better coverage than just what liability coverage offers, get some quotes for just comprehensive coverage for your bike, without the collision portion. Going this route, you will get higher protection for not much more of a price increase!

City in CaliforniaAverage Full Coverage Monthly Payment
Antioch$190
Bakersfield$186
Orange$195
Simi Valley$217
Lancaster$183
Oakland$187
Moreno Valley$211
Berkeley$204
San Jose$239
Burbank$217
Corona$226
Palmdale$197
Norwalk$197
Vista$230
Rancho Cucamonga$217
Long Beach$233
Santa Rosa$175
Rialto$191
Clovis$176
Victorville$184
Fresno$210
San Bernardino$208
West Covina$219
San Mateo$207
Costa Mesa$185
San Buenaventura (Ventura)$220
Thousand Oaks$192
Oxnard$182
San Francisco$231
Concord$208
Pomona$180
Pasadena$229
Los Angeles$205
Fremont$231
Murrieta$184
Roseville$186
Huntington Beach$187
Ontario$221
Visalia$225
Richmond$204
Glendale$230
East Los Angeles$227
Riverside$183
Daly City$177
Fairfield$217
Garden Grove$201
Downey$221
El Monte$229
Carlsbad$175
Elk Grove$216
Sacramento$201
Modesto$226
Stockton$197
Oceanside$229
Jurupa Valley$240
Fullerton$222
Irvine$205
Fontana$209
Santa Clara$179
Anaheim$205
Santa Maria$212
Hayward$216
San Diego$186
Arden-Arcade$183
Torrance$210
Santa Ana$179
Temecula$191
Chula Vista$215
Salinas$193
Inglewood$233
Vallejo$236
Motorcycle Insurance California: Full coverage might be more affordable than you realized.

Motorcycle Insurance California: Discounts to Ask Your Agent About

Who doesn’t love discounts? Discounts are a main reason why many people choose an insurance carrier today. It’s important to check out various insurance companies, who offers the most, and the best discounts to help you save the most pennies!

As already mentioned, some insurance companies will offer more discounts in comparison to others. Bigger companies like Progressive, Geico, and Allstate will have a wider range in comparison to Dairyland Insurance, who might not offer as many money saving options.

However, most insurance carriers will offer discounts like multiple, bikes, multi policy, safe driving, accident free, motorcycle organization member, motorcycle safety course, pay in full, and autopay discounts.

Motorcycle Insurance California: Cheapest Rates by City

Did you know that where you live affects your insurance rates? It doesn’t matter which product you are searching for, renters, auto, home, motorcycle, RV…your zip code will be a big rating factor when determining your premium.

If you live in a lower populated city, your motorcycle insurance rates will be lower.

If you do live in a higher populated city, such as LA, there are many more drivers, which then means more accidents, and claims just waiting to happen.

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

Beyond what the state minimum requires there are many other options available for your motorcycle insurance in California. When obtaining insurance quotes, be sure to ask your agent what upgrades or add-ons are available to you.

Just to name a few options, Uninsured Motorist protection, underinsured motorist protection, and personal injury protection are all optional coverages you can choose to add to your quote to weigh your options.

Motorcycle Insurance California: FAQsMotorcycle Insurance California


How much does it cost to insure a motorcycle in California? 

The state minimum liability limits of insurance that is required in California by law is $15,000, $30,000, and $5,000

Depending on the coverage you need for your bike, liability only coverage is typically about $179 annually. While full coverage insurance for your bike is typically about $ 380 annually.


Is motorcycle insurance expensive in California?

Motorcycle insurance can be more expensive in California. Main reason being that the riding season in California is all year long thanks to the warmer climate.

Is motorcycle insurance required in CA?

Yes motorcycle insurance is required in California. Drivers must carry at least the state minimum liability limits on their insurance policy to be legal for the state.

Is there any way to lower motorcycle insurance premiums in California?

Discounts are a great way to lower motorcycle insurance premiums. Ask your agent what discounts you are eligible for.

How do you ensure that you are properly covered in California?

Understanding your insurance documents can tell you what you carry as your insurance policy. You could also ask your agent to help you understand the coverages on your policy as well.

Other California Insurance Guides
California General Insurance Guide
SR22 Insurance California
Homeowners Insurance California
Need Insurance in Another State?

Last Updated on April 6, 2022 by Veronica Moss