California motorcycle insurance
California is an iconic motorcycle state with a variety of stunning motorcycle rides and biking subcultures. Progressive is committed to helping bikers in every corner of California with customized coverage and easy discounts for big savings. Find out everything you need to know about motorcycle insurance in California.
Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
What are the minimum requirements for motorcycle insurance in California?
California motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. These coverages, however, don't cover damage to your own bike.
| Required coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$30,000 per person $60,000 per accident |
| Property damage liability | What it coversProperty damage you cause to others in an accident | Minimum amount$15,000 per accident |
California also mandates uninsured/underinsured motorist bodily injury coverage, but you may reject or lower these coverages with the submission of a signed form.
Do you need comprehensive and collision coverage?
Comprehensive motorcycle coverage and collision motorcycle coverage are both optional unless you're financing or leasing your motorcycle. In those cases, your lender may require comprehensive and collision coverage. If your bike is paid in full, you may consider comprehensive and collision coverages as a safeguard against physical damage to your prized possession. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.
How much is motorcycle insurance in California?
In 2023, the annual cost for a Progressive motorcycle insurance policy in California with liability coverage only was $195.70.* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. 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 features reliable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in California for bikers without eliminating the valuable protection you need for peace of mind while riding.
You can decrease the cost of motorcycle insurance in California with motorcycle insurance discounts, such as:
Online
We'll ask you a few simple questions, then you choose your coverages.
Quote motorcycle insurance
Call a rep
You'll speak with a licensed representative who will guide you through everything.
Call 1-866-749-7436
Through an agent
If you want local advice, we'll connect you with a licensed, independent agent near you.
Find an agent in California
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