Motorcycle Insurance in California

Cruising California’s highways on two wheels? Make sure you’re covered with motorcycle insurance from the GEICO Insurance Agency. We help California riders get the protection they need—whether you're navigating the Pacific Coast Highway or city streets in Los Angeles. From liability coverage to full protection for your bike, gear, and passengers, GEICO offers affordable, personalized California motorcycle insurance for your ride and lifestyle.

Is Motorcycle Insurance Required in California?

Motorcycle insurance is required to legally operate a motorcycle in California. You’ll also need proof of insurance to register your motorcycle with the California DMV. Without it, you won’t be able to get your license plate.

If you're caught riding without insurance, you could face serious penalties, including fines, license suspension, and even having your motorcycle impounded. Having the right coverage from GEICO helps you stay road-ready.

Minimum Motorcycle Insurance Coverage Requirements in California

California requires all bikers to carry at least the following coverages* to drive their motorcycles.

Coverage Type What It Covers California Minimum Limits
Bodily Injury Liability Injuries to others in an accident $30,000 per person / $60,000 per accident
Property Damage Liability Property damage you cause $15,000 per accident

*California also requires residents to carry uninsured/underinsured motorist coverage. However, this coverage can be rejected or lowered with the submission of a signed form.

Optional Motorcycle Insurance Coverages in California

Looking for more than just the basics? GEICO offers optional motorcycle coverages to help protect your ride, your gear, and your peace of mind. These add-ons are available to California riders who want extra protection for every part of the journey.

  • Collision Coverage: Helps pay for damage to your bike if you're in an accident, regardless of who’s at fault.
  • Comprehensive Coverage: Covers theft, vandalism, weather damage, and other non-collision incidents.
  • Accessory Coverage: Insures aftermarket upgrades like custom exhausts, seats, or paint jobs.

How Much Does Motorcycle Insurance Cost in California?

The cost of California motorcycle insurance is influenced by the type of bike you ride, where you live, and your driving history among other things. For example, high-performance motorcycles typically cost more to insure, and rates may be higher in urban areas with more traffic or theft risk.

GEICO makes it easy to explore motorcycle coverage options that fit your budget. We even offer motorcycle insurance payment plans, so every biker can get the protection they need, both on and off the road.

Discounts on Motorcycle Insurance in California

Great coverage doesn’t have to come at great expense. GEICO offers various motorcycle insurance discounts to help California bikers afford coverage, such as:

  • Multiple motorcycles: Up to 12% discount if you insure more than one motorcycle.
  • Safety course: Up to 6% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
  • Instructors: Up to 6% discount if you are a current Motorcycle Safety Foundation instructor.
  • Good Driver Discount: Drivers licensed for 3+ years with good driving records may be eligible for a 20% discount. Restrictions apply. Contact us to see if you qualify

Why Choose GEICO for Motorcycle Insurance in California?

Thousands of riders across California trust GEICO for reliable, affordable motorcycle insurance—and for good reason. Whether you ride a cruiser, sport bike, touring motorcycle, or something in between, GEICO offers flexible coverage options designed to fit your bike and your lifestyle.

Our policies are built for California roads, with the protection and peace of mind you need from city commutes to scenic coastal rides.

GEICO also makes managing your policy easy with top-rated customer support and digital tools like the GEICO Mobile app. From getting a quote to filing a claim, everything can be handled quickly and conveniently, so you can spend more time on the road and less time worrying about paperwork.

Get a Free Motorcycle Insurance Quote in California

Ready to protect your ride and your wallet? Get a free California motorcycle insurance quote online today, or contact a GEICO insurance specialist to get started.

Motorcycle Insurance in California FAQs

Can I bundle motorcycle and auto insurance in California?

Does California have a helmet law for motorcycle riders?

  • Yes, California has a universal helmet law. All motorcycle riders and passengers are required to wear a U.S. DOT-compliant helmet, regardless of age or experience.

Do I need a motorcycle license or endorsement in California?

  • To legally drive a motorcycle in California, you’ll need a motorcycle license or a Class M1/M2 endorsement on your driver’s license. To get one, you must pass a written test and a skills exam or an approved safety course.

Does taking a motorcycle safety course lower my insurance in California?

  • Completing a state-approved motorcycle safety course may make you eligible for a discount on your motorcycle insurance from GEICO. It’s a smart move for new and experienced riders alike.