California Motorcycle Insurance Quotes
Compare affordable motorcycle insurance quotes in California. Get coverage for sport bikes, cruisers, touring bikes, and more. Save up to 45% on your policy.
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We Cover All Types of Motorcycles
From sport bikes to cruisers, we have coverage options for every rider
Sport Bikes
Cruisers
Touring
Off-Road
Scooters
Custom Bikes
Why Choose Us?
We offer the best insurance options with the best service
Comprehensive Coverage
Full protection including liability, collision, comprehensive, and uninsured motorist coverage
Competitive Rates
Save up to 45% on motorcycle insurance with our network of specialized insurers
Customizable Options
Add accessories coverage, roadside assistance, and custom parts protection
Year-Round Protection
Flexible seasonal coverage options for California's perfect riding weather
California Motorcycle Insurance Requirements
California's 2025 Insurance Law Update
The Protect California Drivers Act (SB 1107) has increased minimum liability coverage to better protect California drivers. Here's what changed:
Previous Minimum
15/30/5
New 2025 Minimum
30/60/15
Effective January 1, 2025 • Better protection for all California drivers
Minimum Required Coverage
- Bodily Injury Liability:$30,000 per person / $60,000 per accident
- Property Damage Liability:$15,000 per accident
California law requires all motorcyclists to carry minimum liability insurance.
Recommended Coverage
- Bodily Injury Liability:$100,000 per person / $300,000 per accident
- Property Damage Liability:$25,000 per accident
- Comprehensive & Collision:Based on bike value
- Uninsured Motorist:$100,000 per person / $300,000 per accident
Protect yourself better with comprehensive coverage tailored for riders.
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Frequently Asked Questions
How much does motorcycle insurance cost in California?
Motorcycle insurance in California typically costs between $200-$800 per year, depending on your bike type, riding experience, coverage level, and location. Sport bikes generally cost more to insure than cruisers.
What factors affect my motorcycle insurance rates?
Key factors include your bike's make and model, engine size, your age and riding experience, driving record, where you live and store your bike, and the coverage types you choose.
Do I need full coverage on my motorcycle?
While California only requires liability coverage, full coverage (including comprehensive and collision) is recommended if your bike is financed or valuable. It protects against theft, vandalism, and damage from accidents.
Can I get seasonal motorcycle insurance?
Yes, many insurers offer lay-up policies or seasonal coverage for riders who don't use their bikes year-round. This can significantly reduce your premiums during months you're not riding.
What's the difference between motorcycle and auto insurance?
Motorcycle insurance is typically less expensive than auto insurance but covers different risks. It includes specific protections like custom parts coverage and passenger liability that aren't standard in auto policies.
Palo Alto Insurance Comparison 2025
Compare Top 5 California Insurance Carriers
| Insurance Company | Monthly Rate | Rating | Max Discount | Key Features |
|---|---|---|---|---|
| Mercury Insurance | $89-$165 per month | 4.7 out of 5 | Up to 30% |
|
| State Farm | $95-$180 per month | 4.8 out of 5 | Up to 25% |
|
| GEICO | $85-$155 per month | 4.6 out of 5 | Up to 28% |
|
| Progressive | $92-$170 per month | 4.5 out of 5 | Up to 27% |
|
| Allstate | $98-$185 per month | 4.6 out of 5 | Up to 26% |
|
* Average California rates for 2025. Actual rates vary by driver profile.
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Based on 2,847 verified reviews
Michael Rodriguez
Los Angeles, CA
“Saved over $120/month switching through QuoteMoto. The comparison tool made it super easy to see all my options side by side. Highly recommend!”
December 15, 2024
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San Diego, CA
“As a new driver, I was worried about high rates. QuoteMoto found me affordable coverage with great customer service. The whole process took less than 10 minutes.”
December 10, 2024
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San Francisco, CA
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December 5, 2024
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Fresno, CA
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November 28, 2024
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Sacramento, CA
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November 20, 2024
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San Jose, CA
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November 15, 2024
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Oakland, CA
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November 8, 2024
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Long Beach, CA
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October 30, 2024
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