Insurance Coverage Options for Motorcyclists In California

Riding a motorcycle in California offers freedom, adventure, and a unique connection to the road. However, it also comes with serious risks. That’s why having the right insurance coverage is essential.

In this article, we’ll break down the insurance options available to motorists in California. We will also discuss what coverage is required by law and the additional protections you may want to consider to stay safe and secure on every ride.

Keep reading to learn your options. You also have the opportunity to talk to our representatives who are standing by 24/7 to take your call or chat.

Mandatory Liability Insurance Requirements for California Motorcyclists

Under California law, every motorcyclist is required to carry minimum liability insurance. This coverage pays for injuries and property damage you cause to others in an accident where you are at fault. However, it does not cover your own injuries or damage to your motorcycle.

As of 2025, the mandatory liability insurance limits in California are:

$30,000 for injury or death to one person
$60,000 per accident for bodily injury or death
$15,000 for property damage

These minimums are the same for cars and motorcycles. However, in motorcycle accidents where injuries are severe, these coverage amounts are rarely enough. Many riders find themselves in a difficult financial situation if they rely solely on the minimum required insurance.

Optional California Motorcycle Insurance Coverage

Motorcyclists can and should consider purchasing additional insurance beyond the state minimums. Optional coverage offers broader protection and helps ensure you’re not left with overwhelming out-of-pocket costs. Additional insurance is especially important if the at-fault party is uninsured or underinsured.

Let’s examine some additional insurance options available to you as a motorcycle rider in California.

Uninsured/underinsured motorist (UM/UIM) coverage

This type of coverage protects you if you’re injured by a driver who:

Has no insurance
Has insufficient insurance to cover your losses
Flees the accident scene (hit-and-run)

UM/UIM coverage is important because it is estimated that 20.4 percent of drivers in California don’t have auto insurance. If you are injured and the other driver isn’t insured, UM/UIM can help pay for your medical expenses, lost income, and pain and suffering.

Medical Payments (MedPay)

MedPay covers medical bills for you and your passengers regardless of who was at fault.

It can be used for:

Emergency medical treatment
Hospital stays
Surgery
Ambulance fees

It provides immediate financial support, even if liability is still being determined or disputed.

Collision coverage

Collision insurance pays to repair or replace your motorcycle after an accident, regardless of fault. So if your bike is totaled or severely damaged, your collision coverage ensures you won’t be stuck paying out-of-pocket for repairs or replacement.

Comprehensive coverage

This covers non-collision damage to your motorcycle, such as:

Theft
Vandalism
Fire
Natural disasters

Motorcycles are frequently targeted for theft in California. Comprehensive coverage can save you thousands in unexpected losses.

Custom parts and equipment (CPE) coverage

Motorcycle enthusiasts often invest in aftermarket parts, custom paint, or upgraded performance features. Standard policies may not cover these enhancements.

CPE coverage ensures that your investment is protected, covering the cost of additions that exceed standard replacement value.

Roadside assistance and towing

This optional add-on provides emergency support if your bike breaks down. This includes towing, flat tire changes, and fuel delivery.

A breakdown on a rural highway or during inclement weather can be dangerous. Roadside assistance brings added security.

What to Consider When Choosing Motorcycle Insurance

Each rider and motorcycle is unique. You want insurance coverage tailored specifically to what you need. The following are some factors to keep in mind while evaluating your insurance options.

Your riding habits

Do you commute daily or ride recreationally? Do you ride year-round or seasonally?

Frequent riders or long-distance travelers may want higher liability limits and broader coverage.

The value of your motorcycle

If you have invested in a high-end or custom motorcycle, consider full coverage that includes collision, comprehensive, and accessory protection.

Medical coverage needs

Given the severity of injuries often associated with motorcycle accidents, carrying additional medical coverage can offer peace of mind and protect your finances.

Your budget

While full coverage is ideal, balancing premium costs with adequate protection is key. Work with an insurance provider who can tailor a policy to meet your needs without unnecessary protection.

Other drivers and risk exposure

Consider where you ride most frequently. Urban areas, highways, or regions with a high number of uninsured drivers may justify increased UM/UIM limits and more thorough coverage.

How a Personal Injury Lawyer Can Help You After a Motorcycle Accident

Dealing with insurance companies after a motorcycle accident can be overwhelming. This is especially true if you’re recovering from injuries. A personal injury attorney can be your legal advocate during this challenging time.

Consider some ways a lawyer can help:

Navigate complex insurance claims: Insurance adjusters may try to minimize your payout or deny coverage altogether. A motorcycle accident lawyer will review your police report in detail, identify all available coverage, and fight to ensure you receive the full benefits you’re entitled to receive.
Identifying additional sources of compensation: Sometimes, other parties like vehicle manufacturers or government entities may share liability. Your attorney can investigate the accident thoroughly to identify all liable parties and avenues for compensation.
Handling UM/UIM claims: If you’re struck by an uninsured/underinsured motorist, recovering compensation can be challenging. A lawyer can help you file a claim under your UM/UIM policy and negotiate a fair settlement.
Maximizing your recovery: Beyond medical expenses and property damage, you may be entitled to damages for pain and suffering, reduced earning capacity, and more. Your lawyer can ensure that all your losses are accounted for and pursue the compensation you deserve on your behalf.
Providing legal representation: If your case proceeds to litigation, having a lawyer by your side is essential. He or she can handle the legal process, represent you in court, and advocate your interests throughout the entire process.

Questions About Your Insurance Coverage After a Motorcycle Accident? We Can Help

Navigating motorcycle insurance in California can be complex, but taking the time to understand your coverage options is essential for protecting yourself on the road. Making informed decisions about insurance can protect both your safety and your peace of mind.

If you have been injured in a motorcycle accident, don’t try to handle the legal and insurance processes alone. At Johnson Attorneys Group, we’re here to fight for motorcyclists and make sure you’re not left footing the bill for someone else’s negligence.

Ride smart, stay insured, and know that legal help is just a phone call away. Call us today or get in touch online to schedule a free consultation.