Compare Motorcycle Insurance Rates in California
Get side-by-side comparisons from top California motorcycle insurers. Find coverage that protects you and your bike at the best possible price.
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Why Compare Motorcycle Insurance With QuoteMoto
Save time and money with California's premier motorcycle insurance comparison platform
Fast, Accurate Quotes
Get quotes from top California insurers in just 5 minutes with our streamlined process.
All Bike Types Covered
Compare rates for sport bikes, cruisers, touring bikes, scooters, and custom motorcycles.
California Specialists
Our local expertise ensures you get the best coverage for California's unique riding conditions.
2025 California Motorcycle Insurance Rate Comparison
Side-by-side comparison of leading motorcycle insurance providers in California
| Company | Sample Rate | Roadside Assistance | Accessories Coverage | Multi-Policy Discount | OEM Parts | Vanishing Deductible | Best For | |
|---|---|---|---|---|---|---|---|---|
Progressive | $65 | Overall Value | Get Your Quote | |||||
Geico | $58 | Budget Coverage | Get Your Quote | |||||
Nationwide | $79 | Premium Coverage | Get Your Quote | |||||
State Farm | $73 | Customer Service | Get Your Quote | |||||
Allstate | $82 | Comprehensive Coverage | Get Your Quote |
Factors Affecting Motorcycle Insurance Costs in California
Understanding what drives your premium helps you find the most affordable coverage
Bike Type & Engine Size
| Motorcycle Type | Average Monthly Premium | Risk Level |
|---|---|---|
| Sport Bikes | $95 - $200 | High |
| Cruisers | $50 - $75 | Medium |
| Touring | $70 - $90 | Medium |
| Scooters | $35 - $60 | Low |
Location & Rider Profile
| Factor | Premium Impact |
|---|---|
| Urban vs. Rural Areas | Urban areas can be 15-30% higher due to increased theft and accident risks |
| Age & Experience | Riders under 25 pay 40-60% more than experienced riders over 40 |
| Driving Record | A single moving violation can increase rates by 20-25% |
| Riding Frequency | Daily commuters typically pay 10-15% more than occasional riders |
California Motorcycle Insurance Requirements
All motorcycle riders in California must carry the following minimum liability coverage:
- $30,000 for injury/death to one person
- $60,000 for injury/death to more than one person
- $15,000 for damage to property
Expert Recommendation: The minimum requirements may not provide adequate protection. We recommend:
- 100/300/50 liability coverage
- Comprehensive and collision coverage
- Uninsured/underinsured motorist coverage
The QuoteMoto Difference
See why more California drivers choose QuoteMoto over traditional agencies and direct carriers.
| Feature | QuoteMoto | Traditional Agency | Direct Carrier |
|---|---|---|---|
| Quote Time | Under 5 Minutes | 30+ Minutes | 15+ Minutes |
| California-Specific Options | Limited | ||
| Compare Multiple Carriers | 30+ Carriers | 5-10 Carriers | 1 Carrier |
| SR-22 Filing Assistance | Varies | ||
| Non-Owner Policy Options | Limited | Limited | |
| Digital Policy Management | Varies | ||
| Exclusive Online Discounts | Limited |
CALIFORNIA'S
#1 CHOICE
How to Get the Best Motorcycle Insurance Rates in California
Expert tips to help you secure affordable coverage without sacrificing protection
Bundle Your Policies
Combine your motorcycle insurance with auto, home, or renters insurance to receive multi-policy discounts of up to 15%.
Take a Safety Course
Complete a Motorcycle Safety Foundation (MSF) course to improve your skills and qualify for safe rider discounts of 5-15%.
Choose the Right Motorcycle
Standard and cruiser models typically cost less to insure than sport bikes or high-performance motorcycles.
Maintain Good Credit
In California, insurers can use credit-based insurance scores to determine rates. Maintaining good credit can lower premiums.
Install Anti-Theft Devices
GPS trackers, alarm systems, and wheel locks can qualify you for anti-theft discounts while protecting your investment.
Adjust Your Coverage Seasonally
If you don't ride year-round, ask about laid-up policies or seasonal coverage adjustments to reduce costs during storage periods.
Frequently Asked Questions About Motorcycle Insurance in California
Expert answers to the most common questions about motorcycle coverage
Insurance Companies Available Through QuoteMoto
Compare quotes from insurance companies that may offer SR-22 filings
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