California motorcycle insurance

What are the minimum requirements for motorcycle insurance in California?

California law requires all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries or damage you cause to others while riding, up to your policy's limits. You can raise your liability limits for more protection, but this coverage doesn't cover damage to your own bike.

California also requires uninsured/underinsured motorist bodily injury coverage, but you may reject or reduce this coverage with a signed waiver form.

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are optional unless you're financing or leasing your motorcycle. In those cases, your lender may require them.

Even if you own your bike outright, comprehensive coverage can help pay for damage caused by theft, vandalism, hitting an animal, fire, or weather. Collision coverage can cover your motorcycle if it collides with another object or vehicle, no matter who's at fault.

How much is motorcycle insurance in California?

In 2024, the annual cost for a Progressive motorcycle insurance policy in California with liability coverage only was $195.78.^*

Your price depends on many factors, including your age, driving history, location, type of bike, and coverage choices. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in California?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Los Angeles, San Francisco, San Diego, or anywhere else in California, the best motorcycle insurance offers reliable coverage at a fair price. Progressive provides cheap motorcycle insurance in California for bikers without cutting the protection you need for peace of mind while riding.

You can lower the cost of motorcycle insurance in California with these motorcycle insurance discounts, and more:

• Good driver discount
• Multi-vehicle discount
• Harley-Davidson Owner Group (HOG) discount
• Safety course discount
• Association membership discount

Find more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in California

Add extra protection to your Progressive motorcycle policy with these optional coverages:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries to you or a passenger, no matter who's at fault
• Total loss coverage: May pay out your bike's full value in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in California

1. All motorcycle operators and passengers must wear a helmet, per California motorcycle laws.
2. Riders under 21 must complete a state-approved motorcycle safety course to get a permit.
3. With 936,809 motorcycles registered in California in 2023, there are more registered motorcycles in the Golden State than in any other state in the U.S.

Get California motorcycle insurance