California Motorcycle Insurance

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Find GREAT Motorcycle Insurance Rates In Your City!

California law states that you must have motorcycle insurance.  This is for your own protection. How much do I need? Who should I buy from? We at Direct Cheap Insurance can help you. There are a few different options you should consider, and plenty of discounts you will probably be eligible for. When you contact us, we will take a look at the type of insurance policies you currently have, the minimum you need, but also what extras you might want. Direct Cheap Insurance has been helping Californians attain great motorcycle insurance since 1974. It is our goal to make sure you are completely satisfied! Our team of licensed insurance professionals will guide you through the purchasing process. Start your free quote today!  

How To Save Money On Your Motorcycle Insurance


Our staff can help you find the cheap motorcycle insurance California residents deserve. We are a broker and an agency that has access multiple insurance carriers. We can find the right one for you. Whether you have a spotless record, or are a high-risk rider, we can provide you with affordable coverage. Many customers qualify for all sorts of discounts. This means more money in your pocket. Here is a list of a few of the possible discounts:
  • Marital discounts
  • Safe rider discounts
  • Motorcycle safety class discounts
  • Multi-policy discounts
  • Association discounts
  • Occupation discounts
  • Mileage discounts
And more!

Having The Right Coverage

  Call Direct Cheap Insurance today, and we can help you with a complete review of your policy. You will want to know what the minimum state requirements are, and it is a good idea to see which policies may fit your own personal lifestyle. Certain types of bikes are more expensive to insure. The age and driving record of the owner also matters. Have all of your questions answered by getting a hold of an agent today! Here are some of the coverages you might need:
  • Medical coverage for you and others if involved in an accident.
  • Towing and roadside assistance.
  • Loan/lease coverage
  • Collision/Comprehensive coverage
  • Uninsured Motorist coverage

Insurance Facts

  In the state of California there are minimum amounts of coverage you need for your motorcycle insurance:
  • Bodily Injury Liability Limits: $15,000 per person and $30,000 per occurrence
  • Property Damage Liability Limits: $5,000 per occurrence
If you have a loan out on your motorcycle, you may need to have additional insurance. Banks and financial institutions require more than just the state limits on insurance. Rates for different policies vary greatly depending on your riding record, age, make and model of the motorcycle, as well as other factors. Almost one-fourth of the population of motorcycle riders and automobile drivers in California do NOT carry insurance. This means you should include Uninsured Motorist coverage as well. In fact, insurance agents are required by law to offer it to you because of the large number of uninsured drivers on the road. Owning a motorcycle can greatly reduce the amount of gas used, saving you lots of money in the long run. However, the risk of riding on two wheels puts you in more danger when you are out on the road. Most motorcycle riders choose to have the maximum amount of insurance coverage in case the worst happens. You are NOT required to carry coverage on a dirt bike. And customized or "tricked out" motorcycles may not be covered under your normal policy. Gain more knowledge about motorcycle insurance and how you can save by talking to one of our friendly representatives today! Living in California means having access to some of the best motorcycle routes in the country. Take advantage now and be covered tomorrow! Know exactly what you are purchasing and how it will effect you as a rider.  

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Find GREAT Rates In Your City!