Personal Insurance
Motorcycle Insurance in California
California's year round riding season means more time on the road and more reasons to carry the right motorcycle insurance. From cruisers to sport bikes, WeInsureCali builds coverage that protects you, your ride, and your custom upgrades.
What Is Covered
Coverage at a Glance
Liability Coverage
Required by California law, liability coverage pays for injuries and property damage you cause to others in a motorcycle accident. Minimum limits are the same as auto: 15/30/5.
Collision Coverage
Covers damage to your motorcycle when you collide with another vehicle, object, or the ground. Essential for newer bikes and those still making payments.
Comprehensive Coverage
Protects your motorcycle from theft, vandalism, fire, and weather damage when it is parked or stored. Motorcycle theft is common in California, making this coverage especially valuable.
Uninsured Motorist
Protects you if an uninsured or hit and run driver causes your accident. Motorcycle riders are especially vulnerable because drivers often do not see them.
Custom Parts and Equipment
Standard policies may not fully cover aftermarket parts, accessories, and custom paint. This endorsement ensures your upgrades are protected at their full value.
Medical Payments
Covers your medical expenses after an accident regardless of fault. Since motorcycle riders face higher injury risks than car drivers, this coverage is especially important.
California Context
Why This Matters in California
California is the only state that permits lane splitting (lane sharing), which creates unique riding conditions and liability considerations that require proper insurance coverage.
With year round riding weather, California motorcyclists log more miles and face more exposure to accidents than riders in seasonal climates.
Motorcycle theft is a significant problem in California, particularly in urban and suburban areas. Comprehensive coverage protects your investment if your bike is stolen.
Motorcyclists are 28 times more likely to die in a crash than car occupants per mile traveled. Medical bills from motorcycle accidents regularly exceed $100,000, making robust coverage essential.
California requires all motorcycle riders to carry the same minimum liability limits as auto drivers (15/30/5), but given the severity of motorcycle accidents, higher limits are strongly recommended.
Did You Know?
California is the only state where lane splitting is legal. Make sure your coverage accounts for this unique riding practice. Talk to us about the right liability limits for your riding style.
Common Questions
Frequently Asked Questions
Related Coverage Options
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