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.
Compare Quotes & Save
Compare rates in just minutes
By continuing, you agree to our Privacy Policy and Terms of Service
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.
Quick Quote Process
Get multiple motorcycle insurance quotes in minutes, not hours
We Cover All Types of Motorcycles
From sport bikes to cruisers, we have coverage options for every rider
Comprehensive Coverage
Full protection including liability, collision, comprehensive, and uninsured motorist coverage
2025 California Motorcycle Insurance Rate Comparison
Side-by-side comparison of leading motorcycle insurance providers in California
| Company | Roadside Assistance | Accessories Coverage | Multi-Policy Discount | OEM Parts | Vanishing Deductible | Best For | |
|---|---|---|---|---|---|---|---|
Progressive | Overall Value | Get Your Quote | |||||
GEICO | Budget Coverage | Get Your Quote | |||||
Nationwide | Premium Coverage | Get Your Quote | |||||
State Farm | Customer Service | Get Your Quote | |||||
Allstate | Comprehensive Coverage | Get Your Quote |
*Rates based on 35-year-old rider with clean record, 5+ years experience, on a standard motorcycle in Los Angeles, CA
How much does motorcycle insurance cost?
Rates vary by bike type, riding experience, and coverage. Most riders pay $200-600 annually.
We Cover All Types of Motorcycles
| Motorcycle Type | Monthly Premium | Risk Level |
|---|---|---|
| Sport Bikes | $95 - $200 | High |
| Cruisers | $50 - $75 | Medium |
| Touring | $70 - $90 | Medium |
| Scooters | $35 - $60 | Low |
Cost Impact Factors
| Factor | Premium Impact |
|---|---|
| Urban vs. Rural Areas | Urban areas can be 15-30% higher due to increased theft and accident risk |
| Age & Experience | Riders under 25 pay 40-60% more than experienced riders over 40 |
| Driving Record | Clean records save 20-40%, violations increase rates significantly |
| Riding Frequency | Daily riders pay more than occasional weekend riders |
California Motorcycle Insurance Requirements
California law requires all motorcyclists to carry minimum liability insurance.
- Bodily Injury Liability
- Property Damage Liability
- Uninsured Motorist Coverage
Recommended Coverage: Protect yourself better with comprehensive coverage tailored for riders.
- Higher Liability Limits
- Comprehensive & Collision
- Medical Payments Coverage
Motorcycle Insurance FAQs
Expert tips to help you save on motorcycle insurance while getting the coverage you need
Bundle Your Policies
Save up to 25% by combining motorcycle insurance with auto or home insurance
Take a Safety Course
Complete an approved motorcycle safety course to qualify for discounts up to 15%
Choose the Right Bike
Sport bikes cost more to insure than cruisers or touring bikes due to higher risk
Maintain Good Credit
Your credit score can impact rates - good credit often means lower premiums
Install Anti-Theft Devices
Security systems, GPS trackers, and alarms can reduce comprehensive coverage costs
Seasonal Coverage Options
Save money with lay-up policies during months you don't ride
Frequently Asked Questions About Motorcycle Insurance in California
Compare Rates From Top Insurers
We compare quotes from California's top-rated insurance companies
Ready to Find the Best Motorcycle Insurance Rates in California?
Compare quotes from top providers and save up to 45% on your premium
Get Your Free Quote