California Motorcycle Insurance

Why Get Motorcycle Insurance in California
Why get motorcycle insurance? There’s a simple answer! California law requires all motorcycles drivers to carry adequate liability insurance. Drive without insurance coverage and you risk heavy fines, penalties, and even possible jail time. Most people would agree that it’s a chance not worth taking.

Types of Motorcycle Insurance:
There are many different types of motorcycle insurance. These include: accessory coverage, comprehensive coverage, collision insurance, bodily injury liability, personal injury protection, property damage liability, medical payments, underinsured/uninsured motorist coverage, and motorcycle roadside assistance. Most insurance companies allow the insurer to put together an insurance policy that will provide the type and amount of coverage you need.

Motorcycle Riding in California
If you live in California, there are two important requirements you must meet before you can legally operate a motorcycle. First, you must purchase and maintain motorcycle insurance with at least the minimum required coverage, and secondly you must have a valid California Motorcycle License.

In California Law, there are two distinct motorcycle license classifications:

  • Class M2 license – for moped or any kind of motorized vehicle
  • Class M license – for both the M2 class vehicles and any two-wheeled motorcycles

The usual age requirement to apply for a motorcycle license in California is 16-years-old. However, a minor can still apply if the following conditions are met:

  • Parental consent is given.
  • Applicant has held a motorcycle permit for at least 6 months.

Additional requirements for a California Motorcycle License:

  • Application
  • Identification with Picture
  • Parental consent (if minor)
  • Thumbprint
  • Fees
  • Passing a written examination of motorcycle traffic signals and laws
  • Motorcycle rider training course conducted by California Highway Patrol (if under 21 years old)
  • Proof of completion of an approved Drivers’ Education course

Minimum Insurance Requirements in California
Compared to other states, the minimum liability coverage for motorcycle insurance as required by the State of California is relatively low. To maintain legal coverage while driving your motorcycle on California roadways, be sure your policy includes a minimum of:

  • $15,000 for bodily injury of one person
  • $30,000 for bodily injury of all injured parties
  • $5,000 for property damage in one accident