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Personal coverage

Motorcycle Insurance

California law requires liability insurance to ride a motorcycle legally, and you'll need proof of it to register your bike or renew your tags. Beyond the mandate, riders face far greater injury risk than drivers, and the right coverage protects you from medical bills, repair costs, and lawsuits after a crash — expenses that can quickly climb into the tens of thousands.

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Who this coverage is for

This is for anyone who rides, from daily commuters to weekend riders and touring enthusiasts. It protects both you and your motorcycle, and in California liability coverage is legally required before you ride on public roads.

What it can help protect

Motorcycle insurance can bring together several protections:

  • Liability — required coverage for injuries or damage you cause to others in an accident.
  • Your motorcycle — repairs or replacement after a crash, theft, fire, or vandalism.
  • Injuries to you — medical costs from an accident, depending on the coverages you choose.
  • Custom parts and gear — many policies can extend to accessories, upgrades, and riding equipment.
  • Uninsured riders — protection if you are hit by someone with little or no insurance.
Regularly misunderstood coverages
Collision vs. Comprehensive

Which damage each coverage handles.

Key choices and underwriting factors

A licensed review will usually focus on bike type and usage, rider history, and storage, security, and seasonal changes.

Common Questions