Short answer: California motorcycles must carry the same minimum liability as cars: 30/60/15 for policies issued or renewed since January 1, 2025 (Vehicle Code §16056). Lane splitting, which means riding a two-wheeled motorcycle between rows of stopped or moving vehicles in the same lane, is defined in Vehicle Code §21658.1, which lets the CHP publish safety guidelines. Riders and passengers must wear a compliant helmet (§27803).
The rules riders ask about
| Topic | Rule | Source |
|---|---|---|
| Minimum liability | $30,000 per person / $60,000 per accident bodily injury, $15,000 property damage | Vehicle Code §16056 |
| Lane splitting | Defined as riding a two-wheeled motorcycle between rows of stopped or moving vehicles in the same lane, on divided or undivided roads | §21658.1 |
| Safety guidance | CHP may develop educational guidelines | §21658.1; CHP motorcyclist safety |
| Helmets | Required for the driver and any passenger | §27803 |
How lane splitting can affect a claim
Fault after a crash depends on the facts. Lane splitting being defined in law doesn't mean every lane-splitting maneuver is safe or that the rider is never at fault. CHP's guidance stresses avoiding large speed differences and staying out of blind spots.
Coverage worth discussing
- Uninsured/underinsured motorist: protects you if the other driver has little or no insurance.
- Medical payments: helps with medical bills regardless of fault.
- Collision and comprehensive: for your bike, including theft.
- Custom parts and gear: many policies limit accessory coverage unless you add it.
Checklist
- Carry at least 30/60/15 and consider higher limits.
- List custom parts with your insurer.
- Review CHP's lane splitting guidance before riding in traffic.
Related: motorcycle insurance.
Frequently asked questions
Is lane splitting legal in California?
Vehicle Code §21658.1 defines lane splitting and allows the CHP to develop safety guidelines for it. Riders must still ride safely and follow other traffic laws.
What is the minimum motorcycle insurance in California?
The same as for cars: 30/60/15 for policies issued or renewed on or after January 1, 2025 (Vehicle Code §16056).
Do passengers need helmets in California?
Yes. Vehicle Code §27803 requires both the driver and any passenger to wear a compliant helmet.
Does motorcycle insurance cover my riding gear?
Sometimes, with limits. Check the policy or add accessory and gear coverage.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.