Culver motorcycle insurance review

Search multiple providers to cover your bike, but only if you live in California.

  • Get a quote if you want to compare multiple insurers.
  • Pick something else if you don’t live in California.
  • California bikers can often find low rates.


Roadside assistance

Depends on provider

New car protection

Accident forgiveness


States served California
Roadside assistance Optional
Pay schedule custom, Depends on provider
Claims methods phone
Accident forgiveness


  • Many coverage options
  • Recreational insurance
  • Offers several payment plans


  • Not online chat
  • Not mobile friendly
  • No mobile app

Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

Because Culver works with a network of motorcycle insurance providers, it may be able to help you find competitive insurance rates. But if you don’t live in California or it may not be for you, compare your other insurance options.

How to apply for Culver motorcycle insurance

You can begin the process online. But to apply and sign up, you’ll need to go to an office or give Culver a call. To get a quote and begin the process of selecting insurance:

  1. From Culver’s homepage, select the Motorcycle Quote tab
  2. Fill out the required info, including name, contact info, driving history and the types of coverage you need, then click Submit
  3. A Culver broker will then call you in about 10 minutes

What info do I need to apply?

Culver doesn’t list the documentation needed to apply, but expect requests for the following information:

  • Driver’s license
  • Motorcycle make, model, license plate number and VIN
  • Home address and phone number

What discounts can I get with Culver?

Because Culver is a service that searches a network of motorcycle insurance providers, discounts will vary by company. Some common discounts that you might be able to take advantage of include:

  • Bundling. Save money when combining multiple policies.
  • Good student. Students who meet a minimum GPA will be rewarded with a discount.
  • Homeowner. You may be able to get a reduced premium for owning a home.
  • Accident-free. Riding for a specified amount of time without getting into an accident may net you a discount.
  • Safe rider. Taking a motorcycle safety course can reduce the cost of your insurance.
  • Pay in full. Receive a discount when you pay the full amount for your insurance policy instead of making monthly payments.

What insurance coverage does Culver offer?

Culver is an insurance broker that works with many different providers, so you’ll likely be able to find the coverage options you need, including:

  • Liability. Coverage if you damage someone’s property or cause them physical harm while riding your motorcycle.
  • Comprehensive. This coverage protects you from damage to your bike that results from something other than a collision, such as theft or vandalism.
  • Collision. Collision covers damage from a motorcycle/vehicle accident.
  • Medical payments. This coverage helps with medical bills.
  • Uninsured/Underinsured. Provides protection if you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the costs of damage.

What extra benefits and add-ons does Culver offer?

Depending on the provider you select, you’ll have different options available. Some general perks you might be able to sign up for include:

  • Roadside assistance This additional coverage will ensure you get the help you need when stranded on the side of the road.
  • Rental vehicle coverage. If you’re without your car due to an accident, this covers the cost of a rental vehicle while yours is being repaired. Your policy might allow for a rental motorcycle if that’s what you’re more comfortable driving.
  • Accident forgiveness. Your premium won’t increase if you’re in an accident.
  • Gear coverage. Get protection for your accessories, like saddlebags, tall windshields and safety gear.

Alternatives to Culver

Learn more about how to compare providers and get the best policy with our motorcycle insurance guide.

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
The AARP Auto Insurance Program from the Hartford
On the first accident
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.

Compare up to 4 providers

Pros and cons of Culver car insurance


  • Network of providers. Because Culver works with multiple insurance providers, you’ll have a better chance of finding a policy that suits your needs.
  • Bundle multiple recreational vehicles. In addition to your motorcycle, you can also insure your boat, RV, jet ski, snowmobile and travel trailer with Culver.


  • Availability. Culver is only available to California residents.
  • Limited info. Culver’s website is lacking, with little information available. You won’t find a list of providers it works with or an idea of how much you can save by utilizing its services.
  • No online quotes. You can start a quote online, but you’ll have to call to sign up for your policy.

Frequently asked questions about Culver motorcycle insurance

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