Cheapest And Best Motorcycle Insurance In California For April, 2024

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Updated: 18 March 2024
Written by
Bob Phillips
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Finding the right motorcycle insurance in California can be challenging. But don’t worry; you’re exactly where you need to be to navigate this maze. The best motorcycle insurance provider, in our experience, offers a perfect blend of comprehensive coverage and customer service excellence.

For those prioritizing affordability, Harley Davidson (Sentry Insurance) stands out as the cheapest, with a very competitive monthly premium of just $42.With over 15 years in the insurance industry, I’ve seen firsthand how skimping on a good motorcycle insurance policy can backfire. It’s not just about legality; it’s about protecting your investment.

In California, with its vast network of freeways and varied landscapes, being underinsured can mean a direct hit to your wallet and safety. Our guide is designed to help you avoid these pitfalls, drawing from years of expertise to bring you the most reliable and economical options for your ride.

 

Best Motorcycle Insurance In California

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Best Overall - Harley Davidson (Sentry)
USAA-emblem
Best for Military Members - USAA (Progressive)
Best Motorcycle Insurance, California, 2024

Compare The Best Motorcycle Insurance Companies In California

Overall Rating Cheapest For AM Best Rating J.D. Power Rating Online Experience Get A Quote
Harley Davidson
4.9

Overall

A+

Not Rated

9/10

Instant Quote
GEICO
4.8

Bundling Insurance

A++

830

9/10

Instant Quote
USAA
4.6

Military Members

A+

809

7/10

Instant Quote
Allstate
4.7

Customer Service

A++

816

8/10

Instant Quote
Scroll to see comparisons

Our Methodology

To identify the top motorcycle insurance in California, I based my evaluation on impartial information from AM Best for financial stability and J.D. Powers for customer satisfaction ratings. Moreover, I considered insights from multiple consumer review platforms and drew upon my own background as a former property and casualty insurance agent.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

Best Motorcycle Insurance Companies in California


Best Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
9/10 Coverage Level

Why We Like Them

Harley Davidson stands out as the best overall option for motorcycle insurance in California, thanks to its robust policies and outstanding service provided by Sentry Insurance. This collaboration brings a unique advantage.

Sentry, a well-respected name in the insurance world, backs Harley Davidson’s policies, ensuring reliability and a solid financial foundation for policyholders. Their A+ rating by independent insurance rating service AM Best underscores Sentry’s capability to fulfill policyholder commitments effectively.

In the diverse and demanding riding landscape of California, Harley Davidson’s insurance offerings, underpinned by Sentry’s expertise, are specifically designed to cater to the varied needs of motorcyclists. These policies provide extensive coverage options and customer-focused services, making them not just an insurance purchase but a smart investment for riders.

The combination of Harley Davidson’s tailored insurance solutions and Sentry’s proven track record makes it the top choice for motorcycle insurance in the state.

Benefits & Drawbacks

Benefits
  • Tailored coverage options specifically designed for motorcyclists.
  • Backed by Sentry Insurance, known for its financial stability and reliability.
  • Offers a variety of discounts and rewards for safe riders and H.O.G. (Harley Owners Group) members.
Drawbacks
  • Some riders may not prefer to be covered by a third-party insurer
  • Coverage may be more beneficial for Harley Davidson bike owners than other motorcycle brands.
  • Limited availability in certain areas

Best For Bundling Insurance

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

GEICO stands as an outstanding choice for bundling insurance in California, particularly when it includes motorcycle insurance. Their reputation for offering competitive rates across various types of insurance makes them a go-to for Californians looking to consolidate their insurance needs.

What sets GEICO apart is its seamless integration of multiple policies, including motorcycle, auto, and home insurance, under one umbrella. This not only simplifies the management of insurance policies but also often results in significant savings for policyholders.

In addition to cost-effectiveness, GEICO is renowned for its user-friendly experience. Their digital platforms, including a comprehensive website and a highly-rated mobile app, make managing and adjusting policies effortless. Moreover, GEICO’s customer service is consistently ranked highly, ensuring that policyholders receive prompt and efficient assistance whenever needed.

For motorcyclists in California, this translates to easy access to policy information and hassle-free claims processing. The combination of affordability, convenience, and reliable customer service makes GEICO an optimal choice for bundling insurance in the Golden State.

Benefits & Drawbacks

Benefits
  • Competitive pricing and a variety of discounts are available.
  • User-friendly online tools and mobile app for easy policy management.
  • Efficient claims processing and strong customer service reputation.
Drawbacks
  • Coverage options might be less specialized for motorcycles compared to providers focused solely on motorcycle insurance.
  • Some customers report variability in customer service experiences.
  • Policy customization options may be limited compared to niche motorcycle insurance providers.

Best for Military Members

Overall Rating
4.6

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
8/10 Coverage Level

Why We Like Them

USAA stands as the top motorcycle insurance choice for military members, offering a unique blend of tailored services and trusted partnership. Recognizing the specific needs of the military community, USAA has selected Progressive, an A+ (Superior) rated company, to handle coverage and claims processing. This strategic choice combines Progressive’s strong track record in motorcycle insurance with USAA’s commitment to serving military personnel and their families.

The partnership with Progressive ensures that USAA’s members receive specialized motorcycle insurance backed by financial stability and expertise in the field. Moreover, USAA’s distinction as the highest-rated customer service provider by J.D. Powers reflects its dedication to excellence and customer satisfaction.

Military members benefit from this alliance through streamlined service, responsive claims handling, and policies that understand the nuances of military life. This synergistic relationship between USAA and Progressive provides military riders with a reliable, comprehensive insurance solution tailored to their unique circumstances.

Benefits & Drawbacks

Benefits
  • Tailored services and discounts specifically for military members and their families.
  • Coverage and claims are handled by Progressive, known for its expertise in motorcycle insurance.
  • USAA is highly rated for customer service, ensuring a responsive and supportive experience.
Drawbacks
  • USAA membership is limited to military members, veterans, and their families, restricting access for the general public.
  • Some policyholders may prefer dealing directly with a single insurer rather than a partnership arrangement.
  • Coverage options and benefits may be more generic as they are part of a larger, non-specialized insurance portfolio.

Best for Customer Service

Overall Rating
4.7

Key Statistics

9/10 Affordability
10/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

Allstate stands out as a top choice for motorcycle insurance in California, particularly for its exceptional customer service. Renowned for its personalized approach, Allstate ensures that each policyholder receives attentive and tailored assistance. This is vital for motorcyclists who often have specific needs and concerns that differ from standard auto insurance clients.

In California, a state with a diverse and extensive biking community, Allstate’s local agents provide invaluable on-the-ground support. These agents, who are well-versed in the unique aspects of California’s road laws and riding culture, offer insights and guidance that go beyond basic insurance queries. Moreover, Allstate’s robust online and mobile platforms complement their human touch, offering convenient 24/7 access to policy management and claims filing.

The combination of knowledgeable local agents, efficient digital tools, and a commitment to customer satisfaction makes Allstate a standout choice in California for those seeking top-notch customer service in motorcycle insurance.

Benefits & Drawbacks

Benefits
  • Extensive range of coverage options and customizable policies to fit individual needs.
  • Access to local agents who provide personalized service and understand regional insurance requirements.
  • Offers a variety of discounts, including safe riding and multiple policy discounts.
Drawbacks
  • Premiums may be higher compared to some other insurance providers.
  • Discounts and policy options can vary significantly depending on individual circumstances.
  • Some riders may find the policy options more suited for casual rather than professional or competitive riders.

Cheapest Motorcycle Insurance Companies In California

Cheapest For Minimum Liability Coverage

Based on our research, we found USAA (Progressive) to offer the lowest rates for minimum coverage in California, with a monthly rate of $7.

The category “cheapest minimum coverage for motorcycle insurance in California” refers to the most affordable insurance policies that meet the state’s minimum legal requirements for motorcycle riders. These policies typically include basic liability coverage, which covers costs for bodily injury and property damage that the rider might cause to others in an accident.

Factors such as driving history significantly affect insurance rates in this category. A clean driving record typically leads to lower premiums, as insurers view these riders as lower risk. Conversely, a history of accidents or traffic violations can lead to higher rates, as insurers consider these individuals more likely to be involved in future incidents.

Notably, having an accident can seriously impact your rate, as it suggests a higher risk of costly claims for the insurance company. This risk assessment directly influences the cost of the minimum coverage insurance in California.

Insurance Provider Minimum Coverage Annual Cost (Paid in Full)
Progressive $85
Geico $89
Allstate $97
Dairyland $98
 

Cheapest For Full Coverage

Based on extensive research, we discovered that Harley Davidson (Sentry) has the cheapest full coverage motorcycle insurance in California at $42 per month.

The category “cheapest full coverage for motorcycle insurance in California” refers to the most affordable options for insurance policies that go beyond the state’s minimum liability requirements. Full coverage typically includes comprehensive and collision insurance, providing broader protection against various scenarios like accidents, theft, vandalism, and natural disasters.

Factors such as a rider’s driving history heavily influence insurance rates in this category. A clean driving record usually leads to lower premiums, as insurers view such riders as lower risk.

Conversely, a history of accidents or traffic violations often results in higher rates, since these riders are perceived as higher risk. Specifically, being involved in an accident can significantly increase your rate, as it raises the likelihood, from the insurer’s perspective, of future claims.

Company Average Monthly Rate for Full Coverage
Harley-Davidson $42
Geico $45
Progressive $46
Allstate $51
Nationwide $57

Average Cost Of Motorcycle Insurance In California

The average cost of full coverage motorcycle insurance in California is $53 per month.

Company Average Monthly Rate for Full Coverage
Harley-Davidson $42
Geico $45
Progressive $46
Allstate $51
Nationwide $57

Average Cost Of Motorcycle Insurance By City In California

The city in which you live will impact your rates for motorcycle insurance in California. For example, riders residing in larger metropolitan areas will pay higher rates than those in rural areas because of the higher incidence of accidents in more populated zip codes.

These ten cities have the lowest rates in California for motorcycle insurance:

Rank City Rate
1 Visalia $36
2 Fontana $36
3 Santa Maria $37
4 Ventura $38
5 Salinas $39
6 Roseville $40
7 Thousand Oaks $40
8 Huntington Beach $41
9 Santa Rosa $41
10 Clovis $42

Do You Need Motorcycle Insurance In California?

In California, motorcycle insurance is not just a necessity; it’s a legal requirement. The state mandates that all motorcycle riders must have a minimum level of insurance coverage to legally operate their vehicles on public roads. This law is in place to ensure that in the event of an accident, there is financial responsibility for any damages or injuries caused.

The minimum insurance coverage required in California includes liability insurance, which covers bodily injury and property damage that you may cause to others in an accident. Specifically, the law requires coverage of at least $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for damage to property. This basic coverage, however, does not protect the rider’s own injuries or damages to their motorcycle.

For broader protection, riders often consider additional coverages such as collision, comprehensive, and uninsured/underinsured motorist coverage. Collision coverage pays for damages to your motorcycle in the event of an accident, while comprehensive covers non-collision-related incidents like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly important in California, where a significant number of drivers and riders might not have adequate insurance.

While the law dictates minimum insurance requirements, it’s wise for riders to evaluate their specific needs based on factors like motorcycle value, riding frequency, and personal financial situation. Moreover, failure to carry the required insurance can result in penalties, including fines, suspension of your license, and even impoundment of your motorcycle.

How To Get A Motorcycle Insurance Quote

Getting a motorcycle insurance quote is a straightforward process that involves several steps:

  1. Gather Your Personal Information: Before you start, have your personal information ready. This includes your full name, address, date of birth, and driver’s license number. Also, have details about any additional riders who may use the motorcycle.
  2. Collect Your Motorcycle’s Details: You’ll need specific information about your motorcycle, such as the make, model, year, engine size, and vehicle identification number (VIN). If you have made any modifications or have specific safety features, have those details handy, as they can affect your quote.
  3. Determine Your Insurance Needs: Consider what type of coverage you need. This includes deciding on liability limits and whether you want additional coverage like comprehensive, collision, or uninsured motorist coverage.
  4. Research Insurance Providers: Look up insurance companies that offer motorcycle insurance. Check their reputation, customer service reviews, and financial stability.
  5. Get Quotes: You can request quotes online, over the phone, or in person. Provide the information you’ve gathered to the insurance provider. Online forms are a convenient and quick way to get multiple quotes. (Insuranceopedia can provide you with multiple quotes, streamlining your selection process.)
  6. Compare Quotes: Once you have several quotes, compare them not just on price but also on coverage options, deductibles, and any exclusions or limitations. Make sure you’re comparing similar coverages across different quotes.
  7. Ask About Discounts: Inquire about potential discounts you may qualify for, such as for safe driving, multiple policies, or motorcycle safety courses.
  8. Review Quotes and Select a Policy: Review all the information and select the policy that offers the best combination of price and coverage for your needs.
  9. Provide Additional Information and Make Your Purchase: Once you’ve selected a provider, you may need to provide additional information or documentation. Review the policy details, make the first payment, and you will receive your proof of insurance.

Remember, the cheapest quote isn’t always the best. Consider the value of the coverage you’re getting for the price you’re paying.

 

Motorcycle Laws In California

California, known for its scenic routes and vibrant motorcycle culture, has specific laws designed to ensure the safety of motorcyclists. Among the most important is the helmet law.

In California, all motorcycle riders and passengers are legally required to wear a U.S. Department of Transportation (DOT) compliant helmet while riding. This law is rigorously enforced and is critical for rider safety, as helmets significantly reduce the risk of head injuries in accidents.

Another key law pertains to lane splitting. California is unique in legally recognizing lane splitting, where a motorcyclist rides between two lanes of stopped or slowly moving traffic. While this practice is legal, the California Highway Patrol emphasizes safe and prudent lane splitting, advising riders not to split lanes at speeds more than 10 mph faster than other traffic and discouraging it entirely at speeds above 30 mph.

Motorcycle equipment regulations are also stringent in California. Motorcycles must be equipped with right and left mirrors, turn signals for bikes manufactured after January 1, 1973, a working muffler, and handlebars that are not positioned more than six inches above the rider’s shoulders when seated.

Additionally, the state requires a specific license endorsement for operating a motorcycle. Riders must pass both a written and a skills test to obtain a motorcycle endorsement on their driver’s license.

FAQs

How much is motorcycle insurance in California?

The average monthly cost for full coverage motorcycle insurance in California is $53.

Who is the cheapest motorcycle insurance company in California?

The cheapest motorcycle insurance company in California is Harley Davidson at $42 per month. Coverage and policyholder service for Harley Davidson is provided by Sentry Insurance Company.

Do you need motorcycle insurance in California?

Anyone operating a motorcycle in California is required by law to carry motorcycle insurance.

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