How Much Is Motorcycle Insurance In California. ‘Startlingly High: The Average Cost of Motorcycle Insurance in California’

How Much Is Motorcycle Insurance In California. ‘Startlingly High: The Average Cost of Motorcycle Insurance in California’

Motorcycles are a popular choice for many California residents, whether for commuting or recreational purposes. But with the freedom of the open road comes the responsibility of purchasing insurance to protect both you and your bike. Motorcycle insurance in California can be surprisingly expensive, with the average cost of coverage running at around $1,000 per year.

It’s important to understand the factors that drive up the cost of motorcycle insurance in California. Many of these factors are out of your control, such as the cost of medical care in the state, the number of riders and the cost of parts and repair.

The type of motorcycle you ride will also affect the cost of your insurance. Motorcycles with larger engines and more powerful engines tend to cost more to insure. This is because they are more likely to be involved in an accident and more likely to cause property damage or bodily injury.

Your age, experience and driving record also play a role in the cost of your motorcycle insurance. If you’re a young rider with a spotty driving record, you’ll likely pay more for coverage than an older, experienced rider with a clean record.

Where you live can also impact the cost of your motorcycle insurance. Rates are usually higher in areas with higher crime rates or higher rates of traffic accidents.

Finally, the type of coverage you choose will also affect the cost of your motorcycle insurance. If you opt for a higher level of coverage, such as comprehensive coverage, you’ll pay more for your policy.

The cost of motorcycle insurance in California can vary significantly, depending on the factors mentioned above. To get the best rate, it’s important to shop around and compare rates from different insurers. You can also look into discounts, such as good driver discounts, multi-policy discounts and discounts for taking a motorcycle safety course.

In California, it’s also important to understand the state’s minimum insurance requirements. All motorcycle riders in the state must carry liability insurance, which covers damages caused to other people and property. The required minimum for liability insurance is $15,000 for injury or death to one person, $30,000 for injury or death to two or more people, and $5,000 for property damage.

In addition to liability insurance, you may also want to consider purchasing comprehensive coverage, which covers theft, vandalism and other damages to your bike. Comprehensive coverage is not required by law, but it can provide peace of mind and help you save money in the long run.

Overall, the average cost of motorcycle insurance in California is around $1,000 per year. However, the cost can vary significantly depending on the factors mentioned above. To get the best rate, it’s important to shop around and compare rates from different insurers. You can also look into discounts, such as good driver discounts, multi-policy discounts and discounts for taking a motorcycle safety course.

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