California is one of the best places in the world to ride a motorcycle — scenic coastal highways, mountain curves, and year-round sunshine. But with these riding perks also come risks, especially in high-traffic regions like Los Angeles, the Inland Empire, Orange County, and San Diego.

Whether you ride a sport bike, cruiser, touring bike, dirt bike, or scooter, having the right motorcycle insurance is essential — and required by California law. But many riders aren’t sure what coverage they actually need, what’s optional, and how to avoid overpaying.

This guide from Just Auto Insurance breaks down exactly what California riders should know — and how to protect yourself without breaking the bank.

Is Motorcycle Insurance Required in California?

Yes. California requires all motorcycle riders to carry liability insurance.

The minimum liability limits are:

• $15,000 for injury or death to one person

• $30,000 for injury or death to multiple people

• $5,000 for property damage

These minimums provide basic coverage, but they may not be enough in California, where medical bills and repair costs are high. That’s why many riders choose higher limits for better protection.

Understanding the Types of Motorcycle Insurance Coverage

Motorcycle insurance in California includes several types of protection. Here’s what each covers and whether you might need it.

FAQ: California Motorcycle Insurance

1. Do I need motorcycle insurance for a dirt bike or off-road bike?

If the bike is not street legal, insurance is not required, but optional coverage is still available. If you ride on public roads, liability insurance is mandatory.

2. Can I get motorcycle insurance with a suspended license?

Yes — and you may need an SR-22 filing to reinstate your driving privileges. Just Auto Insurance specializes in helping riders with suspensions, DUIs, and violations.

3. Is lane splitting legal in California, and does it affect insurance?

Yes, California is the only state where lane splitting is legal. It doesn’t increase your insurance directly, but it can affect liability in an accident. Having proper coverage is crucial.

Final Thoughts: Protect Yourself Before You Ride

Motorcycle insurance is more than just a legal requirement — it’s essential protection for you, your bike, and your finances. California roads are busy, unpredictable, and filled with uninsured drivers. Having the right coverage gives you peace of mind every time you ride.

At Just Auto Insurance, we’ve spent over 30 years helping California riders find affordable, reliable coverage for every type of motorcycle.