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Motorcyclist on an open California highway
California-Licensed Insurance Brokers

Motorcycle InsuranceBuilt for Riders

From Harleys to Vespas, sport bikes to ATVs - we cover every kind of California rider. Real quotes in 2 minutes, same-day coverage available.

Get My Rider Quote(619) 363-4466
All Bike Types
Same-Day Coverage
DUI & Tickets OK
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Quick answer

California requires the same minimum liability on a motorcycle as on a car — 30/60/15: $30,000 for one person’s injuries, $60,000 per accident, $15,000 for property damage (Vehicle Code section 16430) — and you must be able to show proof when asked. Collision, comprehensive, uninsured motorist and custom-parts coverage are the choices on top. Auto World compares several motorcycle insurers for sport bikes, cruisers, touring bikes, scooters and ATVs, including riders with a DUI or an SR-22, and coverage can often start the same day.

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Coverage Can Start

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Carriers Compared

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We Cover Every Type of Ride

From daily commuters to weekend warriors - if it has two wheels (or four for ATVs), we\'ve got you covered.

Motorcycles

Motorcycles

Cruisers, sport bikes, touring, adventure - all makes and models

Popular brands: Harley-Davidson, Honda, Yamaha, Kawasaki, BMW, Ducati

Scooters & Mopeds

Scooters & Mopeds

From 50cc city scooters to powerful maxi-scooters

Popular brands: Vespa, Honda PCX, Yamaha XMAX, Genuine Buddy

ATVs & UTVs

ATVs & UTVs

Off-road vehicles for work or recreation

Popular brands: Polaris, Can-Am, Honda, Yamaha, Arctic Cat

Built for California Riders

We understand what makes riding in California unique

Year-Round Riding Weather

California's amazing climate means you ride more. We understand the unique needs of riders who log serious miles.

Lane Splitting Is Defined in the Vehicle Code

California defines lane splitting in Vehicle Code section 21658.1 and lets the CHP publish safety guidelines for it. Ride it the way those guidelines describe — a claim is judged on what happened, not on the fact that splitting is allowed.

Diverse Terrain

From PCH coastal rides to mountain twisties - we cover you wherever California's roads take you.

Coverage Options & Pricing

Customize your coverage to fit your ride and your budget

REQUIRED
Required

Liability Coverage

Required by California law. Covers injuries and property damage you cause to others while riding.

Recommended

Collision Coverage

Pays to repair or replace your bike after an accident, regardless of fault.

Recommended

Comprehensive Coverage

Covers theft, vandalism, fire, weather damage - everything except collisions.

Recommended

Uninsured Motorist

Protects you if hit by an uninsured driver - critical in California.

Optional

Medical Payments

Covers your medical bills after an accident, regardless of fault.

Optional

Custom Parts & Equipment

Protects aftermarket parts, chrome, custom paint, and accessories.

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Motorcycle insurance after a DUI or with an SR-22 in California

A DUI in California affects your whole driving privilege, not just the vehicle you were in — so a DUI in a car follows you onto a bike, and a DUI on a bike follows you into a car. If the DMV requires an SR-22, it can be attached to a motorcycle policy; if you do not own a bike or car, a non-owner SR-22 satisfies the filing.

  • ✓SR-22 on a motorcycle policy: we file it electronically with the California DMV the same business day the policy is bound; the DMV may release the filing after three years from the date the proof was required (Vehicle Code section 16480).
  • ✓What it costs: the filing itself is a small fee; the DUI is what moves the premium. Post-DUI motorcycle rates vary widely between carriers, which is why we quote several specialty carriers rather than one.
  • ✓How long it follows you: a DUI stays on a California driving record for 10 years; how heavily each insurer weighs it in the later years varies by insurance company.
  • ✓No bike yet? A non-owner SR-22 reinstates the license first; we move the filing to the bike policy the day you buy one, with no gap.

Full detail on the DUI rules is on DUI insurance in California and SR-22 insurance in California. Comparing carriers before you buy? Read our best motorcycle insurance in California (2026) guide, then come back here to bind.

California riders’ guides

Plain answers to what riders ask us before and after they buy — each one cites the Vehicle Code section behind it.

Learning to ride: permit, M1 and insuranceThe permit rules, the safety course for riders under 21, and why the bike needs liability before its first street ride.A crash while lane splittingSplitting is legal here — how fault is still decided, and which policy pays for the bike.Riding two-up: passenger rules and coverageThe seat, footrest and helmet rules, and whose policy pays if your passenger is hurt.Moped or scooter: does it need insurance?How California classifies small two-wheelers, and why the seller must warn your policies may not cover one.After a motorcycle crashWhat the law requires at the scene and within 10 days, and where riders find gaps — gear, custom parts, medical bills.

Motorcycle Insurance FAQs

Everything you need to know about insuring your ride in California

What is the minimum motorcycle insurance required in California?
As of January 1, 2025, California requires minimum liability coverage of 30/60/15 for motorcycles (same as cars): $30,000 for injury to one person, $60,000 for all injuries per accident, and $15,000 for property damage. Given the higher risk of injury for riders, we strongly recommend higher limits and medical payments coverage.
How much does motorcycle insurance cost in California?
Motorcycle insurance in California generally costs much less than car insurance — liability-only on a standard bike is often the cheapest policy a rider can hold, and full coverage adds collision and comprehensive priced on the bike's value. Your exact rate depends on your bike, riding experience, location, record, and coverage level. Cruisers and touring bikes are usually cheaper to insure than sport bikes. Rates are estimates, not guaranteed, and vary by driver, vehicle, and carrier underwriting.
Do I need insurance for a scooter or moped in California?
A scooter or motorcycle registered for the road needs the same 30/60/15 liability as a car, and you must be able to show proof of it when asked (Vehicle Code section 16028). Some low-powered mopeds are classified differently under the Vehicle Code — the DMV decides how yours is classified from its specifications, so check its classification before you assume it needs no coverage. We can quote any two-wheeler that needs a policy.
Is ATV insurance required in California?
An off-highway vehicle that is not street-registered may not be ridden or left standing without OHV identification — the green or red sticker — except where the Vehicle Code provides otherwise (Vehicle Code section 38020); that sticker comes from the DMV and is separate from insurance. A street-registered ATV driven on a highway is treated like any other vehicle and needs proof of insurance (Vehicle Code section 16028). Even where no law requires a policy, a lender, a riding area or a landowner may, and a homeowners policy often stops at your property line — see our ATV insurance page for the details.
Can I get motorcycle insurance with a DUI or accidents?
Yes! Auto World Insurance specializes in helping riders who've been turned away elsewhere. We work with multiple carriers who understand that past mistakes don't define you as a rider. SR-22 filing is available if needed.
Does motorcycle insurance cover my custom parts?
Standard policies typically cover your bike at market value. If you've invested in custom parts, chrome, exhaust, or paint, you'll want our Custom Parts & Equipment coverage. This ensures your modifications are protected at their full value.
What discounts are available for motorcycle insurance?
We offer many discounts: safety course completion (up to 15% off), multi-bike (up to 20% off), bundling with auto/home insurance (up to 15% off), experienced rider (up to 10% off), and anti-theft device discounts. Our system automatically applies all available discounts.

Where this comes from

This page explains California rules in plain language. It is general information, not legal advice, and it does not describe any particular insurance company’s procedures. The terms of your own policy and any notice you have received control your situation.

Ready to Ride with Confidence?

Sport bike, cruiser, scooter or ATV — a licensed California broker compares several motorcycle insurers for you. Get your personalized quote in just 2 minutes.

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✓ All bike types covered    ✓ No SSN required    ✓ Same-day coverage

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