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Compare motorcycle insurance in California

Picking the right insurer could be your best bet for this high-cost state.

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Sarah George
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Compare motorcycle insurers offering coverage in California. Narrow down options by roadside assistance, accident forgiveness and more to get a quote.

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive motorcycle insurance
Progressive motorcycle insurance
Optional
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
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Allstate motorcycle insurance
Allstate motorcycle insurance
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.
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The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Optional
Yes
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.
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USAA motorcycle insurance
USAA motorcycle insurance
Optional
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
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Liberty Mutual motorcycle insurance
Liberty Mutual motorcycle insurance
Optional
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
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AAA motorcycle insurance
AAA motorcycle insurance
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
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California may have excellent weather and scenery, but you’ll pay handsomely to ride in the Golden State. Yet you could find wide coverage with top-rated providers or the best value with insurance locals.

Average motorcycle insurance rates in California

The average cost of a California bike policy is $665 per year, well over the usual $300 to $500 range you’d expect.

California sits high on the list of fatality rates by state, and this number continues to rise. California’s crowded cities leave bikers exposed to more risk of an accident — and could be an explanation for the influx of bike deaths.

Minimum motorcycle insurance requirements in California

This State keeps insurance simple with similar laws to its auto requirements. To meet requirements, you’ll need:

  • $15,000 for bodily injuries per person
  • $30,000 for bodily injuries per accident
  • $5,000 for property damage per accident

California motorcyclists are not required to have uninsured/underinsured bike coverage and allows you to opt-out of this option.

How to save on bike insurance in California

Because California has higher-than-average insurance costs, be on the lookout on ways to save. Here are four ways to save:

  • Shop local. Local insurers like Wawanesa and the Auto Club of Southern California Insurance Group might offer you lower premiums and stellar service compared to big-name insurers.
  • Avoid major cities. The state can’t help its popularity, but riding outside of highly-populated cities could keep you from filing expensive accident claims.
  • Keep continuous coverage. California vehicle owners have a tendency to go sans insurance with an above average uninsured driver rate of 15%. Keeping a continuous policy avoids a steep premium for reinstatement after canceling.
  • Ride safely. Taking a motorcycle safety course and avoiding bike claims can land you a discount in this state overrun with bike fatalities.

Bottom line

Because of California’s major cities, high number of bike fatalities and above-average uninsured driver rate, you can expect a higher premium for bike policies. However, getting quotes from several California providers could save you on coverage.

Frequently Asked questions about California motorcycle insurance

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