Who Has The Cheapest Motorcycle Insurance Quotes In California?

The Golden State is one of the best places to ride a motorcycle. It’s the most populous state but also the third largest, and most of California has a mild, Mediterranean climate so riders can take their bike out year-round. To see what cities have the best motorcycle insurance rates in the California, we gathered motorcycle insurance quotes from five major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was 67% higher than the cheapest in California.

Cheapest Motorcycle Insurance In California

GEICO had the best motorcycle insurance rates for our sample rider and policy out of the five companies we gathered quotes from. We also consider GEICO to be among the best motorcycle insurance companies. The average annual rate for the sample rider and policy was $459, well below the California average of $665. Markel and Progressive also had relatively inexpensive rates for insuring our sample rider's motorcycle. The averages for each across the state of California were $511 and $584, respectively. Although its rate was higher than the California average, quotes for the sample policy and rider from Esurance were only slightly more, at $687. Dairyland had the most expensive annual rates in our study, by far. With the average rate for our sample policy and rider of $1,081 Dairyland quote was more than 2.3x GEICO's quote.

A ValuePenguin Study found GEICO had the best motorcycle insurance rates for a sample policy and rider in California.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In California: By City

The cities with the cheapest motorcycle insurance rates in California are relatively scattered across the state. Although, none of the five most affordable cities listed below are in any major cities. All of them are located outside large municipalities or a large distance from them entirely. The city in California with the lowest motorcycle insurance rates was Sutter Creek, where quotes were 11.2% lower than the state average.

Rank

CityAverage Annual RateDifference vs State Average

1

Sutter Creek$590-11.2%

2

Antelope596-10.4%

3

Arcata597-10.2%

4

Arroyo Grande597-10.2%

5

Atascadero597-10.2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Sutter Creek, CA

The city with the best motorcycle insurance rates in California is Sutter Creek. The city is 45 miles west of Sacramento and has a population of about 2,500 residents. It was settled as a lumber town in the mid-19th century and soon after attracted miners in search of gold. Today, it maintains the appearance of a mining town but has numerous restaurants, shops and unique lodging that attracts visitors. The sample motorcycle policy was the cheapest here compared to any other place in California, with rates 11.2% lower than the state average for our study.

Antelope, CA

Antelope is a census-designated place and suburb of Sacramento. It’s only 15 miles northeast of downtown Sacramento and has more than 45,000 residents. In 1973, a railcar loaded with aircraft bombs exploded as it passed through the adjacent Roseville, destroying much of Antelope. Today, the city has mostly single-family homes and apartments, as well as some of the least expensive motorcycle insurance rates in California. Quotes in Antelope were 10.4% lower than the state average.

Arcata, CA

The city of Arcata is adjacent of Arcata Bay on the west coast of northern California. It is a college town and home to Humboldt State University and a population of about 17,500 residents. Arcata also is known for it’s annual Kinetic Sculpture Race. Motorcycle insurance premiums in Arcata are some of the lowest in the state. Our profiled driver's policy premiums were 10.2% lower than the California.

Arroyo Grande, CA

Arroyo Grande is just inland of Grover Beach and about 17 miles north of Santa Maria, California. It has a walkable downtown that was established in 1911 and offers plenty of traditional Golden Coast activities such as dining, wine, hiking and other outdoor pursuits. Motorcycle insurance in Arroyo Grande is some of the most affordable in the state of California. Our study found quotes for the sample policy were 10.2% lower than the state average.

Atascadero, CA

Equidistant from San Francisco and Los Angeles, Atascadero is a great place to have a motorcycle. The city of about 30,000 residents has unique lodging, a historic city hall, world-class wineries and breweries and outdoor pursuits. Some of the best rates for insuring a motorcycle in California can be found in Atascadero. Quotes for the sample policy were 10.2 % lower than the state average.

Most Expensive Motorcycle Insurance in California

Unlike the five cheapest cities for motorcycle insurance in California, which are scattered around the state, a number of the places with the highest rates are very close to each other. Hawthorne, Santa Monica, Culver City and Gardena are all cities within southeast Los Angeles County. The city with the most expensive premiums was Hawthorne, where quotes from the major carriers were 48.3% higher than the state average.

Rank

CityAverage Annual RateDifference vs State Average

1

Hawthorne$98648.3%

2

Santa Monica98147.5%

3

San Francisco97947.2%

4

Culver City96444.9%

5

Gardena96444.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Hawthorne, CA

The place with the most expensive renters insurance in California is the city of Hawthorne. Hawthorne is located between Inglewood and Gardena, near the Los Angeles International Airport. It has more than 87,000 residents within the six-square-mile city limits. The Beach Boys, NBA basketball player Russell Westbrook and many other notable personalities are from Hawthorne. Motorcycle insurance rates in the city were the highest in California, according to our study. Quotes for the sample policy were 48.3% higher in Hawthorne than the state average.

Santa Monica, CA

This beachfront city west of Los Angeles is known as an enclave for the wealthy - much of the city is single-family homes. However, it also have become a tourist destination, especially because of its waterfront, which includes the Santa Monica Pier. The city has more than 92,000 residents and some of the least affordable motorcycle insurance rates in the state. Premiums quoted for the study sample policy were 47.5% higher than the California average.

San Francisco, CA

A consolidated city-county with more than 850,000 residents, San Francisco is one of the largest and a bustling city in the U.S. It is known for its cultural and economic diversity as well as political activeness. Among many other things, the city’s parks, the Golden Gate Bridge and the Bay bridge attract many tourists. Motorcycle insurance in San Francisco is some of the most expensive in California. Quotes for our study’s sample policy were 47.2% higher than the state average.

Culver City, CA

Named after Harry Culver, a prominent 20th-century real estate developer, Culver City has more than 35,000 residents and has had a significant history tied to the motion picture industry and aircraft. Metro-Goldwyn-Mayer (MGM) Studios, National Public Radio West, Sony Pictures Entertainment and the NFL Network are all based in Culver City. It also was home to Hughes Aircraft company, the aerospace and defense contract started by Howard Hughes. Motorcycle insurance in Culver city is not cheap. At 44.9% higher than the California average, it has some of the most expensive rates in the state.

Gardena, CA

Gardena is a city in Los Angeles County with a population of more than 60,000 residents. From 1936 to 1980, the city allowed legal card rooms, and the taxes from them accounted for nearly a third of its annual budget. Today, it hosts an annual jazz festival that is well attended. It also has some of the most expensive motorcycle insurance rates in the state. Our study gathered quotes for the sample policy in Gardena that were 44.9% higher than the state average.

California Motorcycle Laws

When riding in California, it’s important to adhere to all the state’s laws and regulations, even if you live elsewhere. In addition to getting familiar with what is required of you as a rider, it’s also good practice to have an understanding of local laws around traffic and collisions. For example, if you’re involved in an accident or collision that results in any injuries or over $750 in property damage, the collision would need to be reported to the local DMV. Taking the time to understand these regulations can help you avoid fines and more severe penalties, such as have your license suspended.

Motorcycle Helmet Laws in California

The law in California requires a helmet to be worn at all times when operating a motorcycle. While the helmet can have decorations on it, such as stickers, it must first be compliant with the U.S. Department of Transportation Motor Vehicle Safety Standard.

California has no exceptions to the helmet requirements, as is the case in many other states, however face and eye protection are only recommended, not mandated. In addition, while you can wear ear coverings designed to reduce harmful noises, you may not wear any other forms of earplugs or earphones while operating a motorcycle.

Motorcycle License Requirements in California

To operate a typical motorcycle in California, you need to hold a Class M1 license, which also allows you to drive similar vehicles, such as moped and motorized scooters. Note that a Class M2 license allows you to operate other two-wheel vehicles, but specifically excludes motorcycles. If your motorcycle has a sidecar or three wheels, then you would instead need a Class C license.

In order to apply for and obtain a California motorcycle license, you’re required to:

  • Pass a vision test
  • Pass a written test
  • Complete a California Highway Patrol motorcycle basic rider course (if you’re over 18, you have the option to instead take a driving test)
  • Obtain a Certificate of Completion of Motorcycle Training

Motorcycle Insurance Requirements in California

Motorcycle insurance is required in California, for all drivers. The state mandates the following levels of liability insurance coverage:

  • $15,000 Bodily Injury Liability coverage for injuries to one person in an accident
  • $30,000 Bodily Injury Liability coverage for total injuries in an accident
  • $5,000 Property Damage Liability coverage

Though other forms of insurance, such as medical payments and uninsured motorist coverage, aren’t required to drive a motorcycle in California, we recommend that you consider them when purchasing a policy. These coverage options offer protection for your own injuries or property damage if you’re involved in an accident.

Average Motorcycle Insurance Rates In California: By City

This comparative study of motorcycle insurance premiums in California was done by gathering and analyzing quotes from five major carriers across 302 cities in the Golden State. Our analysis showed premiums quoted for the most expensive place were 67% higher than the cheapest. The average cost for this study's profiled motorcycle rider was $665.

Cheapest Motorcycle Insurance Companies in California

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 302 municipalities and census-designated places in the state of California. The quotes we gathered were from five major carriers - Progressive, GEICO, Esurance, Dairyland and Markel. The rider we gathered quotes for was a married 45-year-old male. Not only has he completed a motorcycle training course, but he also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gathering quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual RateDifference vs State Average

263

Agoura Hills$7106.8%

259

Alameda6964.7%

283

Alhambra84927.7%

194

Alpine6690.6%

120

Alturas654-1.6%

58

American Canyon607-8.8%

2

Antelope596-10.4%

195

Antioch6690.6%

173

Apple Valley664-0.2%

3

Arcata597-10.2%

4

Arroyo Grande597-10.2%

5

Atascadero597-10.2%

41

Auburn603-9.4%

269

Avalon7187.9%

59

Bakersfield607-8.8%

86

Banning612-7.9%

196

Barstow6690.6%

251

Bay Point6802.3%

245

Benicia6781.9%

288

Berkeley88332.7%

289

Beverly Hills89434.4%

174

Big Bear Lake664-0.2%

60

Bishop607-8.8%

61

Blythe607-8.8%

87

Bodega Bay612-7.9%

252

Brentwood6802.3%

248

Burbank6792.1%

138

Burney659-0.8%

California Average6650.0%

175

California City664-0.2%

62

Calistoga607-8.8%

63

Camarillo607-8.8%

42

Cambria603-9.4%

197

Campbell6690.6%

176

Carmel664-0.2%

121

Carmichael654-1.6%

64

Carpinteria607-8.8%

113

Ceres630-5.3%

290

Cerritos89434.4%

122

Chico654-1.6%

88

Chowchilla612-7.9%

177

Chula Vista664-0.2%

253

Citrus Heights6802.3%

246

Claremont6781.9%

178

Clearlake664-0.2%

65

Cloverdale607-8.8%

179

Clovis664-0.2%

43

Colfax603-9.4%

256

Colusa6873.3%

291

Compton89434.4%

139

Corning659-0.8%

278

Coronado81823.1%

89

Costa Mesa612-7.9%

140

Crescent City659-0.8%

180

Crestline664-0.2%

298

Culver City96444.9%

198

Cupertino6690.6%

199

Dana Point6690.6%

181

Danville664-0.2%

44

Davis603-9.4%

123

Del Mar654-1.6%

272

Dixon7238.7%

118

Downey652-1.9%

141

Downieville659-0.8%

124

El Cajon654-1.6%

66

El Centro607-8.8%

107

El Dorado Hills620-6.8%

285

El Monte85428.4%

266

El Segundo7127.1%

142

Elk Grove659-0.8%

241

Encinitas6710.9%

192

Escalon6680.5%

125

Escondido654-1.6%

6

Eureka597-10.2%

7

Exeter597-10.2%

247

Fairfield6781.9%

143

Fall River Mills659-0.8%

126

Fallbrook654-1.6%

8

Ferndale597-10.2%

67

Fillmore607-8.8%

90

Folsom612-7.9%

200

Fontana6690.6%

182

Fort Bragg664-0.2%

45

Fortuna603-9.4%

144

Frazier Park659-0.8%

201

Fremont6690.6%

202

Fresno6690.6%

68

Fullerton607-8.8%

9

Galt597-10.2%

136

Garberville657-1.1%

299

Gardena96444.9%

260

Gilroy6964.7%

294

Glendale92138.5%

145

Gold River659-0.8%

146

Gonzales659-0.8%

147

Grass Valley659-0.8%

148

Greenfield659-0.8%

149

Gridley659-0.8%

183

Gualala664-0.2%

69

Half Moon Bay607-8.8%

137

Hanford657-1.1%

302

Hawthorne98648.3%

91

Healdsburg612-7.9%

254

Hemet6802.3%

270

Hermosa Beach7187.9%

203

Hesperia6690.6%

92

Highland612-7.9%

70

Hollister607-8.8%

93

Holtville612-7.9%

94

Huntington Beach612-7.9%

95

Idyllwild612-7.9%

281

Imperial Beach82824.5%

190

Indio6670.3%

296

Inglewood96044.3%

46

Jackson603-9.4%

150

Julian659-0.8%

127

King City654-1.6%

184

Kingsburg664-0.2%

117

La Canada Flintridge651-2.2%

151

La Jolla659-0.8%

204

La Mesa6690.6%

96

La Quinta612-7.9%

205

Laguna Beach6690.6%

206

Lake Arrowhead6690.6%

152

Lake Isabella659-0.8%

267

Lawndale7127.1%

105

Lincoln614-7.7%

193

Linden6680.5%

255

Livermore6802.3%

170

Lodi663-0.3%

10

Lompoc597-10.2%

293

Long Beach92038.3%

47

Loomis603-9.4%

273

Los Altos7248.9%

297

Los Angeles96044.3%

97

Los Banos612-7.9%

207

Los Gatos6690.6%

128

Loyalton654-1.6%

109

Madera623-6.3%

268

Malibu7127.1%

110

Mammoth Lakes623-6.3%

275

Manhattan Beach7299.6%

277

Manteca77316.2%

295

Marina Del Rey95844.1%

48

Mariposa603-9.4%

208

Martinez6690.6%

129

Marysville654-1.6%

49

McKinleyville603-9.4%

185

Mendocino664-0.2%

71

Menlo Park607-8.8%

11

Merced597-10.2%

50

Mill Valley603-9.4%

186

Milpitas664-0.2%

12

Modesto597-10.2%

51

Montecito603-9.4%

243

Monterey6771.8%

98

Moorpark612-7.9%

209

Moraga6690.6%

187

Morgan Hill664-0.2%

52

Morro Bay603-9.4%

153

Mount Shasta659-0.8%

188

Mountain View664-0.2%

99

Napa612-7.9%

210

Needles6690.6%

130

Nevada City654-1.6%

106

Newman614-7.7%

72

Newport Beach607-8.8%

13

Nipomo597-10.2%

14

Novato597-10.2%

15

Oakdale597-10.2%

116

Oakhurst649-2.4%

282

Oakland82824.5%

211

Oakley6690.6%

131

Oceanside654-1.6%

100

Ojai612-7.9%

244

Ontario6771.8%

73

Orange Cove607-8.8%

53

Orangevale603-9.4%

132

Oroville654-1.6%

191

Oxnard6670.3%

284

Pacific Palisades85428.4%

101

Pacifica612-7.9%

102

Palm Springs612-7.9%

212

Palmdale6690.6%

154

Palo Alto659-0.8%

271

Palos Verdes7187.9%

133

Paradise654-1.6%

114

Paramount647-2.7%

280

Pasadena82423.9%

16

Paso Robles597-10.2%

108

Patterson620-6.8%

189

Perris664-0.2%

54

Petaluma603-9.4%

262

Phelan7066.2%

279

Piedmont82323.7%

17

Pismo Beach597-10.2%

213

Pittsburg6690.6%

18

Placerville597-10.2%

214

Pleasanton6690.6%

19

Point Reyes Station597-10.2%

20

Porterville597-10.2%

155

Portola659-0.8%

156

Poway659-0.8%

157

Quincy659-0.8%

158

Ramona659-0.8%

134

Rancho Cordova654-1.6%

215

Rancho Cucamonga6690.6%

159

Rancho Santa Fe659-0.8%

160

Red Bluff659-0.8%

161

Redding659-0.8%

216

Redlands6690.6%

74

Reedley607-8.8%

217

Ridgecrest6690.6%

171

Ripon663-0.3%

21

Riverbank597-10.2%

218

Riverside6690.6%

22

Rocklin597-10.2%

23

Rohnert Park597-10.2%

287

Rosemead88132.5%

24

Roseville597-10.2%

75

Rutherford607-8.8%

25

Sacramento597-10.2%

76

Saint Helena607-8.8%

219

Salinas6690.6%

26

San Andreas597-10.2%

27

San Anselmo597-10.2%

103

San Bernardino612-7.9%

220

San Clemente6690.6%

286

San Diego85628.7%

300

San Francisco97947.2%

221

San Jose6690.6%

222

San Juan Capistrano6690.6%

28

San Luis Obispo597-10.2%

83

San Marino608-8.6%

104

San Mateo612-7.9%

29

San Rafael597-10.2%

223

San Ramon6690.6%

77

Sanger607-8.8%

257

Santa Ana6893.6%

30

Santa Barbara597-10.2%

264

Santa Clarita7106.8%

224

Santa Cruz6690.6%

31

Santa Maria597-10.2%

301

Santa Monica98147.5%

78

Santa Paula607-8.8%

79

Santa Rosa607-8.8%

225

Saratoga6690.6%

55

Sausalito603-9.4%

226

Scotts Valley6690.6%

119

Seal Beach652-1.9%

80

Sebastopol607-8.8%

81

Selma607-8.8%

162

Shafter659-0.8%

227

Simi Valley6690.6%

163

Solana Beach659-0.8%

228

Soledad6690.6%

56

Solvang603-9.4%

82

Sonoma607-8.8%

32

Sonora597-10.2%

135

South Lake Tahoe654-1.6%

249

Stockton6792.2%

229

Sunnyvale6690.6%

164

Susanville659-0.8%

1

Sutter Creek590-11.2%

165

Taft659-0.8%

115

Tahoe City647-2.7%

230

Tehachapi6690.6%

231

Temecula6690.6%

265

Thousand Oaks7106.8%

33

Tiburon597-10.2%

276

Topanga7299.6%

274

Torrance7289.4%

250

Tracy6792.2%

240

Truckee6700.7%

84

Tujunga608-8.6%

34

Tulare597-10.2%

35

Turlock597-10.2%

232

Twentynine Palms6690.6%

233

Ukiah6690.6%

172

Vacaville663-0.3%

258

Vallejo6893.6%

261

Valley Center6974.8%

36

Valley Springs597-10.2%
112Ventura627-5.7%

234

Victorville6690.6%

37

Visalia597-10.2%

235

Walnut Creek6690.6%

236

Watsonville6690.6%

166

Weaverville659-0.8%

242

West Covina6721.1%

38

West Sacramento597-10.2%

111

Westminster623-6.3%

85

Whittier608-8.6%

167

Williams659-0.8%

237

Willits6690.6%

168

Willows659-0.8%

57

Windsor605-9.0%

39

Winters597-10.2%

40

Woodland597-10.2%

292

Woodland Hills90636.3%

169

Yreka659-0.8%

238

Yucaipa6690.6%

239

Yucca Valley6690.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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