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California Motorcycle Insurance: Get a Free Quote Today

CALIFORNIA MOTORCYCLE INSURANCE

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Hitting the open road from the redwood forests of Northern California to the sun-soaked curves of the Pacific Coast Highway means embracing freedom — and responsibility.

Harley-Davidson® Insurance tailors coverage to each rider’s journey, protecting every make and model so you can ride with confidence.

Get the protection your motorcycle needs—start your personalized quote today and hit the road with confidence.

WHAT ARE THE MINIMUM MOTORCYCLE INSURANCE REQUIREMENTS IN CALIFORNIA?

California law requires every motorcyclist to carry a minimum level of liability coverage to protect other motorists, pedestrians, and property if you’re at fault in an insurance incident.

Mandatory Motorcycle Coverage:

  • Bodily injury liability: $30,000 per person / $60,000 per accident

  • Property damage liability: $15,000 per accident

This “30/60/15” split ensures that, should you cause an incident, your policy helps cover medical bills and repair costs for others up to those limits.

Proof of Insurance:

Vehicle Code § 16020 requires California motorcyclists to carry proof of financial responsibility, which extends beyond a paper insurance card:

  • Insurance Identification Card issued by your insurer (or an electronic equivalent)

  • Insurance Binder or Note, such as a temporary binder when setting up a new policy

  • Self-Insurance Certificate or Surety Bond, if you qualify as a self-insurer or made a deposit instead of a policy

For most riders, an insurance card—either printed or displayed on your smartphone—is the simplest way to comply.

Additional Considerations:

While the 30/60/15 minimum keeps you legal, California’s heavy traffic and variable terrain can expose you to risks far exceeding those limits.

For true peace of mind, consider enhancing your policy with optional coverages such as comprehensive, collision, medical payments, and roadside assistance.

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WHAT ARE OPTIONAL MOTORCYCLE INSURANCE COVERAGES IN CALIFORNIA?

Riding California’s wind-whipped Pacific Coast Highway curves and sun-soaked Mojave stretches demands more than minimum liability limits; riders can tailor protection to their style.

Here’s how Harley-Davidson Insurance helps you go beyond the basics:

Collision Coverage

Collision coverage pays to repair your motorcycle, minus your deductible, keeping it showroom-fresh after unexpected damage.

Comprehensive Coverage

Shield your bike from non-collision incidents: theft on the Venice Beach Boardwalk, hailstorms in the Sierras, or vandalism at your downtown L.A. rally parking spot.

Medical Payments Coverage

This coverage helps pay hospital and doctor bills for you and your passenger—no fault, no hassle—so you can focus on recovery and getting back on two wheels.

Underinsured andUninsured Motorist Coverage

UM/UIM coverage may pay medical bills and bike repairs when underinsured or uninsured drivers cause accidents on California roads.

Optional Equipment Coverage

This coverage extends to aftermarket parts, so your one-of-a-kind build stays protected.

Roadside Assistance

Flat tire on Highway 1? Dead battery in Joshua Tree? Roadside assistance provides towing, winching, fuel delivery, and emergency transport to get you back on the road or home fast.

Rental Reimbursement

If your motorcycle is in the shop after a covered claim, rental reimbursement helps cover the cost of a temporary replacement—so you don’t miss a ride.

RIDE SMART, SAVE MORE: MOTORCYCLE INSURANCE DISCOUNTS IN CALIFORNIA

Available Motorcycle Insurance Discounts for California Riders:

Cruising the Pacific Coast Highway or carving through the Sierra foothills comes easier when you know you’re getting every available discount on your California motorcycle insurance.

At Harley-Davidson® Insurance, we honor your passion for the open road—and reward you for riding smart. While California’s Proposition 103 bans credit-based pricing, we still offer a robust lineup of savings based on your riding habits, safety measures, and loyalty as your policy ages.

Here are some of the most common motorcycle insurance discounts available to California riders:

  • Operator Safety Course

  • Multi-Bike Discount

  • Anti-Theft Device Discount

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California Motorcycle Insurance Discounts

Looking for cheap California motorcycle insurance? It's here, and you'll experience the quality of service you expect from Harley-Davidson®.

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HOW TO GET A QUOTE

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Have information about yourself and your bike[s] ready.

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Select coverage options.

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Review quote.

Get A Quote

Coverages and requirements vary by state. See your policy for complete coverage details.

GET A CALIFORNIA MOTORCYCLE INSURANCE QUOTE

Ready to chase down every sun-drenched mile—from the Pacific Coast Highway to the redwood-lined backroads—you deserve insurance as bold and reliable as your next ride.

With Harley-Davidson® Insurance in California, you get tailored coverage that meets state requirements and protects against what matters most: liability, theft, roadside mishaps and more.

Whether you’re carving canyons in the Sierras or cruising L.A. traffic, our agents design a plan for your bike—Harley or any make—so you can focus on the freedom of the open road.

Harley-Davidson has supported riders for generations, offering insurance coverage and enduring peace of mind.

Protect your ride—get a personalized California motorcycle insurance quote now.