Motorcycle Insurance
What is Motorcycle Insurance in California?
Motorcycle insurance in California provides financial protection for individuals who own and operate a motorcycle. In California, liability coverage is required by law and helps pay for property damage or bodily injury you cause to others in an accident.
A motorcycle policy can also include additional coverage such as collision, which helps pay for damage to your bike after an accident, comprehensive coverage for theft, vandalism, or weather-related damage, and uninsured or underinsured motorist coverage. Given California’s traffic conditions and year-round riding weather, having proper motorcycle insurance is an important part of protecting both yourself and your investment.
What is the Average Motorcycle Insurance Cost in California?
Don’t let your age or where you live in California determine how much peace of mind you have when taking to the open road. With motorcycle insurance in California, rates can range from as low as $100–$500 per year for basic liability coverage, helping riders save hundreds in protection costs.
If you’re looking for full coverage on a sport bike or higher-performance motorcycle, premiums in California typically start between $1,000–$3,000 annually, depending on factors such as your driving record, location, type of bike, and coverage limits selected. Getting a motorcycle insurance quote in California is the best way to see exactly what your rate could be based on your individual profile.
How Can Your Motorcycle Insurance Rates Go Up?
Want to save on motorcycle insurance? Where you live can play a major role. In California, riders in areas with higher rates of motorcycle thefts or accidents may see higher premiums compared to those in lower-risk areas.
You may also want to have your rates reviewed once you turn 25, as age can impact pricing. At renewal—typically every 6 or 12 months—your insurer may adjust premiums based on risk factors such as recent traffic violations, claims history, or changes in your credit profile.
To keep your motorcycle insurance costs as low as possible, maintain safe driving habits, avoid violations, and work toward building strong credit. These factors can help you qualify for better pricing over time.
Motorcycle Insurance Near Me?
At Farmers Insurance - Young Douglas, we understand that it's important to find the affordable motorcycle insurance that is accessible and convenient. That's why we offer motorcycle insurance quotes to residents of Northern and Southern California, both online and over the phone. Whether you're looking for coverage in your hometown or a nearby city, we're here to help you find the best premiums and protection for your needs.
How Can Your Motorcycle Insurance Rates Go Down?
- Compare motorcycle insurance quotes: If you feel like you’re paying too much for motorcycle insurance in California, it may be time to compare quotes. With multiple insurance companies competing for business, you could be just a few clicks away from meaningful savings on your policy. Reviewing a new motorcycle insurance quote can help you determine whether your current rate is still competitive.
- Take a driving course: In California, some insurance companies offer discounts to riders who complete an approved motorcycle safety or defensive driving course. These programs can improve your riding skills and may qualify you for premium reductions. You can check with your insurance company or visit the California Department of Motor Vehicles website for approved course information.
- Adjust how often you ride: If you rarely use your motorcycle, you may be able to lower your premium by reducing coverage limits or adjusting how the bike is insured. While selling your motorcycle could eliminate insurance costs entirely, you may also want to explore lower-mileage or seasonal options before making that decision.
Is My Bike Covered?
Farmers Insurance - Young Douglas offers low-cost insurance for all types of motorcycles, including:
- Custom Choppers
- Vintage Bikes
- Antique Motorcycles
- Motorcycles 25 Years and Older
- Cruisers
- Limited Production Cruisers
- Street Sport Bikes
- High-Performance Motorcycles
- Race Bikes
- Touring Bikes
- Super Bikes
- Sport Touring Bikes
- General Purpose Motorcycles
- Dual Purpose or Enduro Motorcycles
- Motocross and Dirt Bikes
- Mopeds
- Scooters
- Trikes
Frequently Asked Questions
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.