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california motorcycle insurance

With more than 1,100 miles of Pacific coastline, countless twisty mountain roads, acres of ancient redwoods, and iconic cities around every bend, the Golden State is a rider's paradise. (Oh, and the year-round perfect weather doesn't hurt either.)

There's just one thing missing if you truly want to get the most out of this spectacular state: protecting your bike (and peace of mind) with California motorcycle insurance.

When you get coverage from Esurance, you're in for a smooth ride with our hassle-free insurance experience, including 24/7 customer service that you can count on every day of the year.

Motorcycle insurance discounts in California

Riders may qualify for the following savings when they get a California motorcycle insurance quote and cover their bike with Esurance.

Safety Course discount
If you've completed a state-approved driver safety course within the past 36 months, you qualify.

Multi-Vehicle discount
Despite the name, our motorcycle insurance covers way more than just bikes, including snowmobiles, ATVs, Segways, and more. Insure more than one toy with us to save.

Recovery Device discount
Installing a GPS recovery system on your ride qualifies you for this discount and keeps thieves' mitts off your moto. Sounds like a solid deal to us.

Multi-Policy discount
Save on both car and motorcycle insurance policies when you buy them together! Discounts will vary.

Mature Driver discount
If you're at least 55 years old and have completed a state-approved mature driver improvement course, you'll qualify for this discount.

The CA Good Driver discount

In California, good drivers can get lower insurance rates. The CA Good Driver discount automatically saves you 20 percent on your premium if you've:

  • Been continuously licensed for the past 3 years
  • Received no more than one point on your license within the past 3 years
  • Not been found at fault in a fatal accident, or an accident that caused at least $1,000 in property damage in the past 3 years
  • Obtained a motorcycle endorsement

Required motorcycle coverages: liability insurance

In order to legally ride in California, residents must carry liability insurance. This protection helps cover others' medical bills and property damage if you're ever found at fault in an accident. State law mandates these minimum limits:

  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident
  • $5,000 of property damage liability per incident

You can always choose higher limits to make sure you're fully covered. Remember, lower limits may mean a lower premium now — but likely higher medical and repair bills out of your own pocket down the road.

Optional California motorcycle insurance

Golden State riders can choose from a wide array of optional coverages when they entrust their bikes to Esurance.

Medical payments coverage

If you ride a motorcycle, you're probably well aware of the risks that come with it. Which means you also know what a lifesaver a little help can be. If you get into an accident, regardless of fault, medical payments coverage helps pay for your injury bills up to the limit you choose. If you don't have health insurance, this coverage is especially important.

Collision coverage

If you cause an accident, collision coverage will help repair or replace your bike. We'll also help with riding apparel and accessories, including up to $500 per helmet.

Comprehensive coverage

Other vehicles aren't the only things you need to worry about on the open road. Comprehensive coverage will protect you from falling debris, theft, vandalism, and more.

Towing and labor

Esurance will cover up to $100 if you need a tow to the nearest qualified repair shop. We can even help with labor costs if they result from setbacks like:

  • Lost keys
  • Dead battery
  • Flat tire
  • Low fluid, including fuel
  • Stuck bike (within 100 feet of a roadway)

To find out more about all of your California motorcycle insurance options, give our experts a call anytime at 1-800-ESURANCE (1-800-378-7262).

Simple policy management with Esurance

Esurance motorcycle insurance comes with a one-year policy term. You can easily manage your policy online with our award-winning website, plus pay your premium however it's most convenient for you:

  • Monthly
  • 4 installments
  • 2 installments
  • All at once

Related links

Motorcycle safety: coolest new innovations
Check out the Esurance blog for some recent safety advances for motorcycle riders.

8 rules for group motorcycle riding
The more the merrier, right? Read up on these group motorcycling tips to help keep it that way.

Get a motorcycle insurance quote and see how much you can save.

or call 1-866-455-1980