Motorcycle insurance for the way you ride.
Liability, physical damage, uninsured motorist, and coverage for custom parts and gear, for cruisers, sport bikes, touring bikes and scooters.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Riders need more than the minimum
California requires motorcycles to carry at least the state's minimum liability insurance. Minimum liability doesn't pay for your bike or your own injuries, and riders are more likely than drivers to be seriously hurt by an uninsured or underinsured driver.
I compare carriers on the coverages that matter to riders: uninsured motorist limits, agreed value for custom and classic bikes, parts and accessories, and gear. Pricing varies widely by bike type and rider experience.
- LiabilityInjuries and damage you cause to others, required by California law.
- Uninsured motoristYour injuries when the at-fault driver has no or too little insurance.
- Collision and comprehensiveDamage to your bike from crashes, theft, fire or vandalism.
- Parts and gearCustom parts, accessories, helmets and riding gear.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Bike: year, make, model, VIN and custom parts.
- Rider: license number, M1 endorsement and years riding.
- Training: any rider safety courses.
- Storage: where the bike is parked.
- Use: commuting, weekend or touring.
- Current policy: declarations, if you have one.
Motorcycle insurance, answered
Is motorcycle insurance required in California?
Yes. Motorcycles must carry at least California's minimum liability insurance, or other proof of financial responsibility.
Does my auto policy cover my motorcycle?
No. Motorcycles need their own policy, though some carriers offer a discount if you insure both with them.
Are custom parts covered?
Standard policies include a limited amount for custom parts and accessories. Higher amounts need to be added.
Does motorcycle insurance cover my passenger?
Liability can cover a passenger's injuries, depending on the policy. Check for guest passenger liability.
Do you offer motorcycle insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your bike and license. I'll shop it.
Your bike details and riding experience are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.