Although many people value affordability as one of the main factors they look for in a motorcycle insurance policy, the cheapest plan may not necessarily be the best option available. Comprehensive coverage with comprehensive and collision insurance is more expensive than liability-only coverage, but offers better protection and higher liability limits. Although you will pay more in premiums, full coverage insurance can protect you and your bike from accidents and events other than collisions, such as vandalism, fire, or theft. moneygeek used quotes for a good driver with a 50/100/25 liability only coverage policy to find rates for these policies in california.
Based on average prices, the most affordable companies for a good motorcyclist with liability-only motorcycle insurance in California are:
- geico: $79 per year
- dairy: $102 per year
- geico: $210 per year
- progressive: $301 per year
- address and zip code in california
- date of birth
- year, make and model of vehicle
- riding record
- insurance coverage elections (see below for more information)
- 15,000 bodily injury liability per person (bi)
- $30,000 bodily injury liability per accident
- $5,000 property damage liability (pd)
geico premiums are 79.7% lower than the most expensive provider, harley-davidson.
average annual premium for liability coverage
moneygeek recommends California drivers purchase full coverage motorcycle insurance for comprehensive protection. This coverage can financially protect you and your bike in the event of an at-fault accident. In most cases, motorcyclists must have full coverage insurance if they are still paying for their motorcycles.
The cheapest motorcycle insurance companies for a good rider with a full coverage policy, including 50/100/25 coverage and a $500 deductible, are:
geico’s full coverage premiums are 58.6% cheaper than the most expensive company, dairyland.
average annual premium for all risks and collision
Factors such as your age, driving history, motorcycle model, coverage amounts, and years of driving experience determine the average cost of motorcycle insurance in California. moneygeek collected average rates from providers in the state for different passenger profiles.
California riders pay an average of $380 per year for a full coverage policy, or about $32 per month. this cost is $17 more than the national average.
Buying an in-state liability insurance plan costs $179 per year or $15 per month, or $38 more than the national average. the minimum coverage may be cheaper, but it won’t cover your injuries or damage to the bike if you’re at fault.
The moneygeek study used average rates for a policy with $50,000/$100,000 bodily injury liability coverage, $25,000 property damage liability insurance, and a $500 deductible.
car insurance costs by type of coverage
moneygeek rated the best motorcycle insurance providers in california based on criteria such as affordability, products and services offered, and financial stability. Based on the results of this data, progressive is the highest ranked motorcycle insurance company in the state.
moneygeek data recognizes the following three companies as the best motorcycle insurers in california:
It’s wise to shop around and compare quotes from several companies to find the cheapest motorcycle insurance in California. To obtain an online quote, please provide the following details:
California requires all riders to purchase at least minimum motorcycle liability insurance coverage. the state’s minimum coverage requirements are:
In California, the minimum liability coverage requirement for all motor vehicles is 15/30/5. That means your California motorcycle insurance must have liability limits of at least $15,000 for bodily injury per person, totaling $30,000 per accident, and $5,000 for property damage liability coverage. these coverage limits must be met by your provider if you are at fault in an accident.
In California, motorcyclists are not required to have personal injury protection (PIP), underinsured motorist coverage, or uninsured motorist coverage. Only bodily injury and property damage coverage is required in California. For added security, you can purchase PIP, Underinsured Motorist, and Uninsured Motorist coverage.
To help drivers find the cheapest motorcycle insurance in California, MoneyGeek answered common questions about providers and their coverages and rates.