When it comes to California motorcycle insurance, there is a wide range of possible coverage and rates. There are quite a few factors that determine how cheap or expensive your motorcycle insurance will be. They mainly come down to these three elements:
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- The less power your bike has, the less expensive it will be to cover.
- Sportbikes have higher motorcycle insurance rates because of their higher speeds.
- The age of your motorcycle also factors into your insurance rates.
Clearly, the exact motorcycle you’re riding has a big effect on the insurance rates you’ll ultimately pay. If you’re looking to find a bike that is as cheap as possible to cover, we can help you with that!
Do You Need Motorcycle Insurance in California?
The state of California requires you to have a valid license and insurance coverage in order to drive a motorcycle. The good news is that obtaining both of these is rather straightforward. All you need to do is contact a reliable insurance provider that provides you with plenty of options for coverage.
California Motorcycle Insurance Requirements
Just like for other vehicles, insurance is mandatory for your bike. All motorcycle riders in California are required to have motorcycle insurance. The mandated levels of insurance coverage for our state include:
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- Property damage: $5,000
- Per person per accident: $30,000
- Per person for personal injuries: $30,000
These insurance minimums in California are only for liability coverage, which pays for the damages that your accident causes to other motorists. In a motorcycle accident, you’re likely to have much more damage than them. What happens when you’re injured? What if your motorcycle is damaged in the accident? Will you be able to cover your medical and repair bills if you can’t work?
When purchasing insurance coverage, it’s crucial that you choose a package that satisfies your insurance needs, not just the state minimums. The inherent risks of riding a motorcycle are higher, meaning it’s even more important that you purchase additional coverage than if you were driving a car or truck.
Why Is California Motorcycle Insurance So Expensive?
As we previously stated, the inherent risks of riding a motorcycle are higher than driving a regular car. There are several factors that go into the calculation of your motorcycle insurance rates. The amount of protection you need, as well as the age and type of bike you own, will all determine how much money you pay for coverage.
Additionally, if you have a history of traffic tickets or accidents, your premium could be higher than someone with a clean driving record. Other factors such as location, credit history, and occupation may also play a role in the cost of your insurance policy.
Which Motorcycles Has the Cheapest Insurance in California
You want a great ride, for an affordable price. With Pronto Insurance, this is possible! Not all coverage costs are going to be the same, though. In order to help you, we put together a quick list of motorcycles that will be very affordable to cover:
- Honda Shadow Phantom
- Yamaha V-Star
- Harley-Davidson Softail Standard
- Kawasaki Ninja
- Royal Enfield Classic
These bikes are each very affordable to purchase. They range in price from just under $5,000 to a little over $13,000. They are fun to drive, yet not overpowered or dangerously fast, which is perfect.
Get Affordable Motorcycle Insurance in California
Pronto Insurance offers robust and flexible motorcycle insurance options. Each insurance package includes total loss coverage for a brand new bike, roadside assistance, carried contents and personal belongings, as well as enhanced injury protection.
If you have a clean driving record, you can obtain minimum insurance for an extremely low monthly rate. Even if your record has a few spots on it, Pronto Insurance can still help. Reach out today to learn more about our coverage options and very low rates.
