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Who Has The Cheapest Motorcycle Insurance Quotes In California?

Find the Cheapest Insurance Quotes in Your Area

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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. 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's 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.

RankCityAverage Annual RateDifference vs State Average
1 Sutter Creek $590 -11.2%
2 Antelope 596 -10.4%
3 Arcata 597 -10.2%
4 Arroyo Grande 597 -10.2%
5 Atascadero 597 -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.

RankCityAverage Annual RateDifference vs State Average
1 Hawthorne $986 48.3%
2 Santa Monica 981 47.5%
3 San Francisco 979 47.2%
4 Culver City 964 44.9%
5 Gardena 964 44.9%

*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. 

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.

A ValuePenguin study of motorcycle insurance in California found the average annual rate for a sample policy and rider was $655 in the state.

*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.

RankCityAverage Annual RateDifference vs State Average
263 Agoura Hills $710 6.8%
259 Alameda 696 4.7%
283 Alhambra 849 27.7%
194 Alpine 669 0.6%
120 Alturas 654 -1.6%
58 American Canyon 607 -8.8%
2 Antelope 596 -10.4%
195 Antioch 669 0.6%
173 Apple Valley 664 -0.2%
3 Arcata 597 -10.2%
4 Arroyo Grande 597 -10.2%
5 Atascadero 597 -10.2%
41 Auburn 603 -9.4%
269 Avalon 718 7.9%
59 Bakersfield 607 -8.8%
86 Banning 612 -7.9%
196 Barstow 669 0.6%
251 Bay Point 680 2.3%
245 Benicia 678 1.9%
288 Berkeley 883 32.7%
289 Beverly Hills 894 34.4%
174 Big Bear Lake 664 -0.2%
60 Bishop 607 -8.8%
61 Blythe 607 -8.8%
87 Bodega Bay 612 -7.9%
252 Brentwood 680 2.3%
248 Burbank 679 2.1%
138 Burney 659 -0.8%
California Average 665 0.0%
175 California City 664 -0.2%
62 Calistoga 607 -8.8%
63 Camarillo 607 -8.8%
42 Cambria 603 -9.4%
197 Campbell 669 0.6%
176 Carmel 664 -0.2%
121 Carmichael 654 -1.6%
64 Carpinteria 607 -8.8%
113 Ceres 630 -5.3%
290 Cerritos 894 34.4%
122 Chico 654 -1.6%
88 Chowchilla 612 -7.9%
177 Chula Vista 664 -0.2%
253 Citrus Heights 680 2.3%
246 Claremont 678 1.9%
178 Clearlake 664 -0.2%
65 Cloverdale 607 -8.8%
179 Clovis 664 -0.2%
43 Colfax 603 -9.4%
256 Colusa 687 3.3%
291 Compton 894 34.4%
139 Corning 659 -0.8%
278 Coronado 818 23.1%
89 Costa Mesa 612 -7.9%
140 Crescent City 659 -0.8%
180 Crestline 664 -0.2%
298 Culver City 964 44.9%
198 Cupertino 669 0.6%
199 Dana Point 669 0.6%
181 Danville 664 -0.2%
44 Davis 603 -9.4%
123 Del Mar 654 -1.6%
272 Dixon 723 8.7%
118 Downey 652 -1.9%
141 Downieville 659 -0.8%
124 El Cajon 654 -1.6%
66 El Centro 607 -8.8%
107 El Dorado Hills 620 -6.8%
285 El Monte 854 28.4%
266 El Segundo 712 7.1%
142 Elk Grove 659 -0.8%
241 Encinitas 671 0.9%
192 Escalon 668 0.5%
125 Escondido 654 -1.6%
6 Eureka 597 -10.2%
7 Exeter 597 -10.2%
247 Fairfield 678 1.9%
143 Fall River Mills 659 -0.8%
126 Fallbrook 654 -1.6%
8 Ferndale 597 -10.2%
67 Fillmore 607 -8.8%
90 Folsom 612 -7.9%
200 Fontana 669 0.6%
182 Fort Bragg 664 -0.2%
45 Fortuna 603 -9.4%
144 Frazier Park 659 -0.8%
201 Fremont 669 0.6%
202 Fresno 669 0.6%
68 Fullerton 607 -8.8%
9 Galt 597 -10.2%
136 Garberville 657 -1.1%
299 Gardena 964 44.9%
260 Gilroy 696 4.7%
294 Glendale 921 38.5%
145 Gold River 659 -0.8%
146 Gonzales 659 -0.8%
147 Grass Valley 659 -0.8%
148 Greenfield 659 -0.8%
149 Gridley 659 -0.8%
183 Gualala 664 -0.2%
69 Half Moon Bay 607 -8.8%
137 Hanford 657 -1.1%
302 Hawthorne 986 48.3%
91 Healdsburg 612 -7.9%
254 Hemet 680 2.3%
270 Hermosa Beach 718 7.9%
203 Hesperia 669 0.6%
92 Highland 612 -7.9%
70 Hollister 607 -8.8%
93 Holtville 612 -7.9%
94 Huntington Beach 612 -7.9%
95 Idyllwild 612 -7.9%
281 Imperial Beach 828 24.5%
190 Indio 667 0.3%
296 Inglewood 960 44.3%
46 Jackson 603 -9.4%
150 Julian 659 -0.8%
127 King City 654 -1.6%
184 Kingsburg 664 -0.2%
117 La Canada Flintridge 651 -2.2%
151 La Jolla 659 -0.8%
204 La Mesa 669 0.6%
96 La Quinta 612 -7.9%
205 Laguna Beach 669 0.6%
206 Lake Arrowhead 669 0.6%
152 Lake Isabella 659 -0.8%
267 Lawndale 712 7.1%
105 Lincoln 614 -7.7%
193 Linden 668 0.5%
255 Livermore 680 2.3%
170 Lodi 663 -0.3%
10 Lompoc 597 -10.2%
293 Long Beach 920 38.3%
47 Loomis 603 -9.4%
273 Los Altos 724 8.9%
297 Los Angeles 960 44.3%
97 Los Banos 612 -7.9%
207 Los Gatos 669 0.6%
128 Loyalton 654 -1.6%
109 Madera 623 -6.3%
268 Malibu 712 7.1%
110 Mammoth Lakes 623 -6.3%
275 Manhattan Beach 729 9.6%
277 Manteca 773 16.2%
295 Marina Del Rey 958 44.1%
48 Mariposa 603 -9.4%
208 Martinez 669 0.6%
129 Marysville 654 -1.6%
49 McKinleyville 603 -9.4%
185 Mendocino 664 -0.2%
71 Menlo Park 607 -8.8%
11 Merced 597 -10.2%
50 Mill Valley 603 -9.4%
186 Milpitas 664 -0.2%
12 Modesto 597 -10.2%
51 Montecito 603 -9.4%
243 Monterey 677 1.8%
98 Moorpark 612 -7.9%
209 Moraga 669 0.6%
187 Morgan Hill 664 -0.2%
52 Morro Bay 603 -9.4%
153 Mount Shasta 659 -0.8%
188 Mountain View 664 -0.2%
99 Napa 612 -7.9%
210 Needles 669 0.6%
130 Nevada City 654 -1.6%
106 Newman 614 -7.7%
72 Newport Beach 607 -8.8%
13 Nipomo 597 -10.2%
14 Novato 597 -10.2%
15 Oakdale 597 -10.2%
116 Oakhurst 649 -2.4%
282 Oakland 828 24.5%
211 Oakley 669 0.6%
131 Oceanside 654 -1.6%
100 Ojai 612 -7.9%
244 Ontario 677 1.8%
73 Orange Cove 607 -8.8%
53 Orangevale 603 -9.4%
132 Oroville 654 -1.6%
191 Oxnard 667 0.3%
284 Pacific Palisades 854 28.4%
101 Pacifica 612 -7.9%
102 Palm Springs 612 -7.9%
212 Palmdale 669 0.6%
154 Palo Alto 659 -0.8%
271 Palos Verdes 718 7.9%
133 Paradise 654 -1.6%
114 Paramount 647 -2.7%
280 Pasadena 824 23.9%
16 Paso Robles 597 -10.2%
108 Patterson 620 -6.8%
189 Perris 664 -0.2%
54 Petaluma 603 -9.4%
262 Phelan 706 6.2%
279 Piedmont 823 23.7%
17 Pismo Beach 597 -10.2%
213 Pittsburg 669 0.6%
18 Placerville 597 -10.2%
214 Pleasanton 669 0.6%
19 Point Reyes Station 597 -10.2%
20 Porterville 597 -10.2%
155 Portola 659 -0.8%
156 Poway 659 -0.8%
157 Quincy 659 -0.8%
158 Ramona 659 -0.8%
134 Rancho Cordova 654 -1.6%
215 Rancho Cucamonga 669 0.6%
159 Rancho Santa Fe 659 -0.8%
160 Red Bluff 659 -0.8%
161 Redding 659 -0.8%
216 Redlands 669 0.6%
74 Reedley 607 -8.8%
217 Ridgecrest 669 0.6%
171 Ripon 663 -0.3%
21 Riverbank 597 -10.2%
218 Riverside 669 0.6%
22 Rocklin 597 -10.2%
23 Rohnert Park 597 -10.2%
287 Rosemead 881 32.5%
24 Roseville 597 -10.2%
75 Rutherford 607 -8.8%
25 Sacramento 597 -10.2%
76 Saint Helena 607 -8.8%
219 Salinas 669 0.6%
26 San Andreas 597 -10.2%
27 San Anselmo 597 -10.2%
103 San Bernardino 612 -7.9%
220 San Clemente 669 0.6%
286 San Diego 856 28.7%
300 San Francisco 979 47.2%
221 San Jose 669 0.6%
222 San Juan Capistrano 669 0.6%
28 San Luis Obispo 597 -10.2%
83 San Marino 608 -8.6%
104 San Mateo 612 -7.9%
29 San Rafael 597 -10.2%
223 San Ramon 669 0.6%
77 Sanger 607 -8.8%
257 Santa Ana 689 3.6%
30 Santa Barbara 597 -10.2%
264 Santa Clarita 710 6.8%
224 Santa Cruz 669 0.6%
31 Santa Maria 597 -10.2%
301 Santa Monica 981 47.5%
78 Santa Paula 607 -8.8%
79 Santa Rosa 607 -8.8%
225 Saratoga 669 0.6%
55 Sausalito 603 -9.4%
226 Scotts Valley 669 0.6%
119 Seal Beach 652 -1.9%
80 Sebastopol 607 -8.8%
81 Selma 607 -8.8%
162 Shafter 659 -0.8%
227 Simi Valley 669 0.6%
163 Solana Beach 659 -0.8%
228 Soledad 669 0.6%
56 Solvang 603 -9.4%
82 Sonoma 607 -8.8%
32 Sonora 597 -10.2%
135 South Lake Tahoe 654 -1.6%
249 Stockton 679 2.2%
229 Sunnyvale 669 0.6%
164 Susanville 659 -0.8%
1 Sutter Creek 590 -11.2%
165 Taft 659 -0.8%
115 Tahoe City 647 -2.7%
230 Tehachapi 669 0.6%
231 Temecula 669 0.6%
265 Thousand Oaks 710 6.8%
33 Tiburon 597 -10.2%
276 Topanga 729 9.6%
274 Torrance 728 9.4%
250 Tracy 679 2.2%
240 Truckee 670 0.7%
84 Tujunga 608 -8.6%
34 Tulare 597 -10.2%
35 Turlock 597 -10.2%
232 Twentynine Palms 669 0.6%
233 Ukiah 669 0.6%
172 Vacaville 663 -0.3%
258 Vallejo 689 3.6%
261 Valley Center 697 4.8%
36 Valley Springs 597 -10.2%
112 Ventura 627 -5.7%
234 Victorville 669 0.6%
37 Visalia 597 -10.2%
235 Walnut Creek 669 0.6%
236 Watsonville 669 0.6%
166 Weaverville 659 -0.8%
242 West Covina 672 1.1%
38 West Sacramento 597 -10.2%
111 Westminster 623 -6.3%
85 Whittier 608 -8.6%
167 Williams 659 -0.8%
237 Willits 669 0.6%
168 Willows 659 -0.8%
57 Windsor 605 -9.0%
39 Winters 597 -10.2%
40 Woodland 597 -10.2%
292 Woodland Hills 906 36.3%
169 Yreka 659 -0.8%
238 Yucaipa 669 0.6%
239 Yucca Valley 669 0.6%

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

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