Motorcycle Insurance in San Francisco, CA
California motorcycle coverage for San Francisco riders — liability, comp, collision, and custom parts. We compare multiple California-admitted carriers in one call.
By Auto World Insurance Services · CA Broker License #6005606
Your quote is never sold to a list of agents — one licensed California broker (#6005606) contacts you.
Quick answer
In San Francisco, 406 people were killed or injured in crashes with a motorcycle involved and 486 speed-related fatal or injury collisions were recorded in 2023 (OTS). San Francisco drivers are priced on their record, mileage, vehicle and coverage choices, and different carriers price the same driver very differently — which is why we compare, and why the free two-minute quote is the only number that is actually yours.
Local data · San Francisco County
What the state counts for San Francisco riders
Motorcycle casualties get their own line in California’s crash rankings, scored against cities the same size. This is San Francisco’s line.
- Motorcycle involved
San Francisco, 2023: 406 people were killed or injured in motorcycle-involved collisions.
1st of 15 in OTS size group A (1 = worst) — among the worst fifth.
- Speed-related
San Francisco, 2023: 486 fatal or injury collisions were speed-related.
8th of 15 in OTS size group A (1 = worst) — around the middle.
- 9pm to 3am
San Francisco, 2023: 528 fatal or injury collisions happened between 9pm and 3am.
6th of 15 in OTS size group A (1 = worst) — worse than most.
Sources
- California Office of Traffic Safety (OTS), 2023 — 406, 486 and 528
Not insurance rates or quotes.
Motorcycle insurance in San Francisco works differently from a car policy. California requires the same liability minimums for a motorcycle as for a car, but coverage for the bike itself, custom parts and passengers is handled separately — so the plan should fit how you actually ride.
San Francisco & San Francisco County
13.3% of San Francisco commuters are at work inside fifteen minutes, and annual miles driven is one of the factors California rates on. 51.5% of workers here are on the road half an hour or more each way, and more time on the road is more exposure, whatever your record looks like. 28.6% of San Francisco workers drive to work alone, which is why almost every household here needs its own policy rather than a shared one. 6% of San Francisco workers carpool, and who else drives your car is a question worth answering honestly on the application rather than after a claim. 397 cyclists were killed or injured on San Francisco streets that year, and a cyclist injury is a liability claim long before it is anything else. 29.9% of San Francisco households do not have a vehicle at all, which is one reason non-owner and named-operator policies come up here.
Sources: U.S. Census Bureau, American Community Survey 2023 5-year estimates; California Office of Traffic Safety, Crash Rankings
Driving in San Francisco
Here's what sets San Francisco apart when you shop for auto insurance. We serve drivers across San Francisco, in neighborhoods like SoMa, Mission District, Sunset, Bayview, and Marina. For San Francisco drivers, the carriers we most often place for a competitive rate include Bristol West, Kemper, and Foremost.
Areas we serve
SoMa · Mission District · Sunset · Bayview · Marina
Top carriers we place here
Bristol West · Kemper · Foremost
Closest DMV offices giving motorcycle tests
- San Francisco — 1377 Fell Street, San Francisco 94117
Source: California DMV field office list, retrieved September 21, 2026.
City population
873,965
Quote San Francisco today
Insurance in San Francisco: What Local Drivers Should Know
Vehicle thefts reported to San Francisco police fell from 6,282 in 2022 to 3,050 in 2025, according to California DOJ figures. Theft of your own car falls under comprehensive coverage, not liability, so comprehensive deserves a deliberate decision.
Source: California DOJ OpenJustice — Crimes and Clearances (1985–2025)
Major routes
US-101 · I-80 · I-280 · SR-1
SR-22 / DMV
We normally file your SR-22 electronically with the California DMV the same business day your policy is bound. The closest DMV field offices to San Francisco that accept proof of insurance are the San Francisco and Daly City offices.
Carriers we write for San Francisco
National General · Bristol West · Foremost
Frequently Asked Questions
How dangerous is riding in San Francisco, in numbers?
Sources: California Office of Traffic Safety, OTS Crash Rankings — San Francisco, 2023 (derived from SWITRS)
I only ride part of the year in San Francisco. Can I cancel in the off-season?
Is riding at night in San Francisco riskier?
Sources: California Office of Traffic Safety, OTS Crash Rankings — San Francisco, 2023 (derived from SWITRS)
Who pays if a driver hits my motorcycle in San Francisco and leaves?
Sources: California Office of Traffic Safety, OTS Crash Rankings — San Francisco, 2023 (derived from SWITRS)
How much do drinking-related crashes figure in San Francisco?
Sources: California Office of Traffic Safety, OTS Crash Rankings — San Francisco, 2023 (derived from SWITRS)