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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
From $19/mo

5,000+

Riders Insured

$521

Avg. Annual Savings

2 min

Quote Time

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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 Legal

California is the only state where lane splitting is legal. Our policies are designed with this in mind.

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.

Build My Coverage

What California Riders Say

Real riders, real bikes, real savings

“Finally found insurance that doesn't break the bank for my Harley. Full coverage for less than I was paying for liability elsewhere!”

Mike T.

San Diego, CA

2021 Harley Street Glide

Saved $600/year

“Getting scooter insurance was surprisingly hard until I found Auto World. Quick, easy, affordable. Perfect for my daily commute.”

Sarah K.

Los Angeles, CA

2023 Vespa GTS 300

Covered in 1 hour

“They understood adventure bikes and didn't try to charge me extra for off-road coverage. Great service, great rates!”

Carlos R.

Fresno, CA

2020 Honda Africa Twin

Saved $450/year

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 — typically required for 3 years from reinstatement.
  • ✓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; most carriers weigh it heavily for the first 3.
  • ✓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.

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?
If your scooter or moped has an engine larger than 150cc, it requires the same insurance as a motorcycle. For 50cc and under, insurance isn't required by law but is highly recommended. We offer affordable coverage for all types of two-wheeled vehicles.
Is ATV insurance required in California?
ATVs used only on private property don't require insurance, but it's smart to have it. If you transport your ATV on public roads or use it on BLM land, liability coverage is highly recommended. We offer comprehensive ATV coverage starting at just $15/month.
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.

Ready to Ride with Confidence?

Join 5,000+ California riders who trust Auto World for their motorcycle insurance. Get your personalized quote in just 2 minutes.

Get My Free QuoteCall (619) 363-4466

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

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