Overall, the cheapest motorcycle insurance in California is offered by Progressive with median rate of $31 per month or $373 yearly. However, Geico, Dairyland, and Harley Davidson are affordable options to consider as well.
Cheapest Motorcycle Insurance in California
Updated: April 16, 2025
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Key Takeaways
Progressive offers the cheapest full coverage motorcycle in California while Dairyland has the lowest cost minimum coverage in the state.
Motorcycle insurance in California costs an average of $27 per month for minimum liability coverage and $66 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, bundling with other policies, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in California
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Progressive | $31 | $373 |
Geico | $36 | $431 |
Dairyland | $44 | $532 |
Harley Davidson | $74 | $887 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Minimum Liability Motorcycle Insurance in California
Dairyland is the lowest cost motorcycle provider for minimum coverage in California with average rates of $127 per year or around 60% cheaper than the state average.
Cheapest Provider | Average Monthly Premium | % Savings Compared To State Average |
|---|---|---|
Dairyland | $10.58 | 60% |
Geico | $11.81 | 56% |
Progressive | $14.60 | 45% |
Harley Davidson | $69.71 | -161% |
Cheapest Full Coverage Motorcycle Insurance in California
The cheapest full coverage motorcycle insurance provider in California is Progressive with average rates of $48 per month or $572 per year.
Cheapest Provider | Average Monthly Premium | % Savings Compared To State Average |
|---|---|---|
Progressive | $48 | 28% |
Geico | $60 | 9% |
Dairyland | $78 | -18% |
Harley Davidson | $78 | -18% |
How Much Is Motorcycle Insurance in California?
The average annual cost of motorcycle insurance in California is around $320 for minimum coverage and $792 for full coverage. This makes the state the most expensive for minimum coverage and 10th highest for full coverage rates.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $27 | $320 | 108% |
Full Coverage | $66 | $792 | 39% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on California Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in California.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 60% on motorcycle policies in California. We recommend that you not only compare multiple companies, but also use multiple means
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance California: Bottom Line
Our top three picks for affordable motorcycle insurance in California are Progressive, Geico and Dairyland. To get the best deal possible, we recommend taking advantage of all discounts possible, getting a formal motorcycle license, and comparing multiple quotes through many mediums.
California Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about California motorcycle insurance:
Which company has the cheapest car insurance in California?
For full coverage policies, Progressive offers the cheapest option at $48 per month. For liability-only policies, Dairyland offers riders the most affordable option for only $11 monthly.
How much does motorcycle insurance cost for most riders in California?
The average cost of motorcycle insurance in Texas is $792 per year or $66 monthly for full coverage policies and $320 annually or $27 monthly for liability-only policies.
Do you need motorcycle insurance in California?
California law and regulations mandate riders to carry a minimum of motorcycle liability insurance with a 15/30/5 split.
How We Chose The Cheapest Motorcycle Insurance in California
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.