How Much Does Motorcycle Insurance Cost in California?

back view of motorcycle rider in california with insurance

In California, you can expect to pay just over $200 per year (or $16-17 per month) for a motorcycle that’s been paid off. However, if you have a brand-new bike, full coverage can creep up to nearly $2,000 per year, or $166+ per month.

Prices tend to be higher for sport or street bikes, as these bikes have shown a greater correlation with the risk of accidents. Choosing a reputable insurer like Cost-U-Less will save you money and provide you with excellent coverage for your bike.

Why Motorcycle Insurance Is Critical in California

When looking at motorcycle insurance cost, it’s essential to consider the benefits insurance provides you with:

1. Bodily Injury to Yourself and Others

As every rider knows, motorcycling is more dangerous than driving a car. Your motorcycle insurance policy can help cover your medical costs if you get injured, saving you from significant hospital bills.

Additionally, good liability insurance will cover the injuries of others involved in the incident. This is a critical issue when it comes to pedestrians, who can easily walk in front of motorcycles and get injured.

woman in motorcycle parked in front of a california beach with insurance

2. Repair Costs to the Motorcycle

Property damage liability will cover the costs of accidents, theft, and vandalism. This gives you peace of mind when taking — or leaving — your bike anywhere.

3. Collision Costs

Motorcycle insurance cost includes collision coverage, meaning if you cause an accident that damages other people’s property, you’re protected.

4. Comprehensive Coverage

If your bike is totaled, comprehensive coverage will compensate you for the value of the bike based on a depreciated blue book value.

Find the Lowest Motorcycle Insurance Cost in California

True to our name, Cost-U-Less provides you with the most affordable and dependable motorcycle insurance in California. Contact us to start saving today.