🏍️ Motorcycle Insurance

Ride more.
Worry less.

From sport bikes to cruisers to touring rigs — we find the right motorcycle policy that covers your ride, your gear, and your liability.

✓ All Bike Types✓ Gear Coverage✓ Roadside Assist✓ Custom Parts

Specialty Carriers We Work With

ProgressiveForemostMarkelNational GeneralBristol West+ 12 more

✦ Free & No Obligation

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Why It Matters

Coverage built for
what you actually own.

🏍️

Liability, Collision & Comprehensive

Standard motorcycle policies include bodily injury and property damage liability, plus optional collision and comprehensive coverage — all tailored to how you actually ride.

🏍️

$18/mo

Starting rate for basic liability coverage in California

🔧

Custom Parts & Accessories

Aftermarket exhausts, custom paint, and performance upgrades can be scheduled for agreed-value coverage so you're covered for what you actually invested.

🦺

Rider Gear Coverage

Helmets, jackets, gloves, and boots are valuable. Many policies include optional gear coverage up to $3,000–$5,000 per incident.

🚑

Roadside & Trip Interruption

Stuck roadside 100 miles from home? Specialty motorcycle roadside includes towing to the nearest shop, plus trip interruption reimbursement for hotel and meals.

🛣️

Coverage Breakdown

What your policy
actually covers.

Coverage Type	What It Covers	Status
Liability	Required by CA law — covers injuries/damage to others you cause	Required
Collision	Repairs your motorcycle after a crash regardless of fault	Recommended
Comprehensive	Covers theft, weather, fire, vandalism	Recommended
Uninsured Motorist	Protects you if hit by an uninsured driver	Strongly Advised
Medical Payments	Covers your medical costs after an accident	Optional
Gear / Accessories	Helmets, jackets, custom parts	Optional Add-On
Roadside Assistance	Towing, battery jump, flat tire	Optional Add-On

Client Stories

Real people.
Real coverage that paid off.

★★★★★

Saved $340/yr

"CoverGuard got me covered for my CBR1000 in under 24 hours. Better price than what I had, and they included gear coverage I didn't even know to ask for."

Marcus C.

Sport Bike · Los Angeles

★★★★★

Great rate

"My Harley finally has the coverage it deserves. Agreed value policy so if anything happens I get what I paid for the bike, not some depreciated amount."

Jenny L.

Cruiser Owner

FAQ

Your questions,
answered.

Do I need motorcycle insurance in California? +

Yes. California requires minimum liability coverage of $15,000/$30,000 for bodily injury and $5,000 for property damage. Riding without insurance is illegal and costly.

Is my motorcycle covered under my auto policy? +

No. Motorcycles are specifically excluded from personal auto insurance policies. You need a separate motorcycle-specific policy.

Can I insure a motorcycle I only ride seasonally? +

Yes — many carriers offer lay-up or storage policies that reduce your premium during months you don't ride. You keep comprehensive coverage (theft, weather) but drop collision.

Does motorcycle insurance cover my passenger? +

Liability coverage can protect passengers injured in an accident you cause. Medical payments coverage also helps cover their medical bills regardless of fault.

Ride more.Worry less.