Motorcycle Insurance in California

Forms of Coverage Offered by California Motorcycle Insurance

When it comes to motorcycle insurance, you’ll have a wide range of options. The type of coverage you choose will depend on your needs and the type of motorcycle you own. Here are some of the most common forms of coverage:

Liability Coverage

This type of insurance can help you pay for the medical bills or property damage of other people if you cause an accident. It covers several items, including:

• Bodily injury liability – This pays for medical expenses for someone who is injured in an accident you cause.
• Property damage – Takes care of damage to another person's property in an accident caused by you.
• Third-party liability – Covers liabilities to people who are not riding with you in the event of an accident. These include pedestrians and people in other vehicles.

In California, the minimum liability coverage is $15,000 per person for bodily injury and $30,000 total for all injuries plus $10,000 for property damage.

Comprehensive Coverage

This coverage helps pay for damages to your motorcycle if it is stolen or damaged by something other than an accident (e.g., fire, hail, or vandalism). Comprehensive coverage also makes you eligible for a new bike if yours is destroyed in a covered event.

Collision Coverage

Also known as “crash coverage,” this type of coverage applies to damages caused by an accident involving your motorcycle. It pays for repairs or replacement of your bike, up to its current value.

Uninsured/Underinsured Motorist Coverage

One of the most important types of coverage, uninsured/underinsured insurance is designed to protect you if you are hit by an uninsured or underinsured driver. This type of coverage pays for medical bills and other costs related to an accident caused by someone else.

Spare Parts Coverage

This type of coverage pays for the cost of replacing any damaged or stolen parts that weren’t covered by your comprehensive coverage. It can be a great way to protect yourself if you’ve placed custom parts or accessories on your bike.

Towing and Labor Coverage

When you have this type of coverage, your insurance company will pay for towing if your motorcycle breaks down or is damaged and can’t be driven. It will also pay for labor costs, such as changing a flat tire or jump-starting a dead battery.

Rental Reimbursement Coverage

If you use a rental vehicle while your bike is being repaired, this type of coverage pays for the cost of the rental. It can be a great way to make sure you’re not stuck without a way to get around.

Lease/Loan Gap Coverage

This type of coverage pays the difference between what your insurance company pays out for a total loss and what you still owe on the loan or lease of your bike. It can help reduce the financial burden if your motorcycle is totaled in an accident.

Optional or Added Equipment Coverage

If you have added custom parts like seats, fairings, or crash bars to your motorcycle, you may need extra insurance coverage to protect them. Normally, motorcycle insurance provides up to $1,000 coverage for optional equipment, but you can choose to purchase more coverage for up to $30,000. 



This coverage applies to any modifications or changes made to the motorcycle that were not originally made by the manufacturer or dealer, as well as to branded accessories from the manufacturer. To be eligible for this coverage, you must have both comprehensive and collision coverage on your policy.