We looked at five of the most popular motorcycle insurance companies in California and found that Geico had the cheapest insurance for the most drivers, averaging $780 per year. that’s more than $1,000 cheaper than the state average of $1,816.
cheapest motorcycle insurance companies in california
We collected 204 motorcycle insurance quotes to determine the most affordable option for California drivers. geico had the best price, with an average annual cost of $780.
best motorcycle insurance companies in california
We examined five of the most popular motorcycle insurance companies in California, looking at cost, coverage options, customer service, and more. we have a core selection that will be a good fit for most motorcyclists, plus additional options for people with more specialized insurance needs.
best for most people: geico
The best motorcycle insurance company for most California riders is Geico. geico offers affordable rates and excellent customer service for its passengers.
geico’s average statewide price was $780, 57% cheaper than the typical annual fee we found in california. Geico has a positive reporting rate of 0.79, according to the National Association of Insurance Commissioners (NAIC). this means that the company has been the subject of only 79% of the complaints that a company of its size.
As one of the nation’s largest insurers, Geico is also a great option to bundle with other types of insurance policies. By insuring your car and motorcycle with the same company, you can usually lower your bill for both, while simplifying your monthly bill payments in the process.
Geico’s biggest drawback is that it doesn’t have as many coverage options as other insurers, which may deter you if you have specialized coverage needs. While Geico allows you to purchase optional coverage for accessories and roadside assistance, there are no options for things like genuine parts.
best for affordable coverage options: allstate
For motorcyclists who want more coverage options beyond the basics but still want an affordable price, we recommend Allstate.
allstate offers many coverage options that will appeal to frequent riders, including replacement cost, towing, and rental reimbursement coverage, which is especially valuable for drivers who rely on their motorcycles as their primary vehicle.
plus allstate prices were affordable. their typical rate was $1,399 per year, 23% cheaper than the state average of $1,816 per year.
However, we were not satisfied with allstate’s customer service ratings. received a complaint index of 2.09 from the naic. That means Allstate was more than twice as likely to receive a complaint as a typical insurance company of the same size. As a result, it suggests that allstate customers are more likely to be dissatisfied with their service.
best for military families: usaa
Military service members, veterans, and some of their family members can get a discount on their motorcycle insurance through usaa. the company has some of the best customer service, but it is only available to a limited group of consumers.
usaa does not sell its own motorcycle insurance, but instead works through progressives. USAA members get a 5% discount, which can be added to Progressive’s robust set of discounts. We were also impressed with Progressive’s coverage options, including useful extras like Carried Content Coverage and Trip Interruption Coverage.
It’s worth noting that pre-progressive discount prices for motorcycle insurance are high in California: an average of $2,774 per year. Even the USAA discount may not lower Progressive’s rates enough to make it competitive with other insurers. Always make sure you get multiple quotes to ensure you’ve found the best price for you.
Motorcycle Insurance Costs: City by City Breakdown
To help California motorcyclists understand the cost of insurance across the state, we calculated city averages for 40 of California’s largest cities to help understand how rates compare across the state.
top rated california motorcycle insurers
When selecting a motorcycle insurance company, price is important, but so is quality of service. When evaluating an insurance company, two key ways we measure its level of service are the Complaint Index issued by the National Association of Insurance Commissioners (NAIC) and the Financial Stability Rating (FSR) from AM Best.
the naic complaint ratio measures how many complaints a company has received relative to its total insurance premiums; lower numbers indicate better performance. and the am best financial stability rating is an overall measure of the company’s strength from a financial perspective. A company with a better am best rating is more likely to pay claims, even in widespread disasters and economic downturns.
Note that the NAIC combines auto and motorcycle insurance into a single industry category; As such, these complaint rates are based on each company’s combined premiums for motorcycles and automobiles.
motorcycle license requirements in california
To operate a typical motorcycle in California, you must have a Class M1 license, which also allows you to drive mopeds and motorized scooters. Please note that a Class M2 license allows you to operate other two-wheelers but excludes motorcycles. If your motorcycle has a sidecar or three wheels, you’ll need a Class C license instead.
To apply for and obtain a California motorcycle license, you must:
If you are under the age of 21 and want to apply for a motorcycle license, you must have a motorcycle instruction permit for 6 months prior to applying.
motorcycle insurance requirements in california
Motorcycle insurance is required in California for all drivers. The state requires the following levels of liability insurance coverage:
Although other forms of insurance, such as medical payments and uninsured motorist coverage, are not required to operate a motorcycle in California, we recommend considering them when purchasing a policy.
We always recommend that people purchase insurance that suits their coverage needs, but given the inherent risk of riding a motorcycle, it’s crucial to do so for motorcycle insurance. California motorcycle insurance statutory minimums only include liability coverage, which pays for damages you cause to others. motorcycles get into accidents much more frequently than cars, and you are at greater risk of injury and damage to your vehicle than a car in the same accident.
For example, when we were selecting a sample quote that we felt would be indicative of most people’s coverage needs, we opted for $350,000 of total liability coverage, plus comprehensive and collision coverage that pays the damage to the driver’s motorcycle.
To conduct our statewide motorcycle insurance rate analysis, we collected 204 quotes for motorcyclists throughout the state of California. Our sample rider profile was a 45-year-old male who owns a 2021 Harley-Davidson Street Glide. Coverage limits include: