What Factors Affect Affordable Motorcycle Insurance in California?


If you pull up to the gas station, you’re paying the same amount at the pump as the person in front of you, behind you, and someone who arrives in an hour. This type of pricing applies to everything in life from milk to shoes to mattresses. One thing this concept doesn’t apply to, though, is insurance. What is considered affordable motorcycle insurance in California may be costly for you, or vice versa.

Why is this? And perhaps more importantly, what can you do to ensure you’re getting as low-cost insurance as possible? Let’s discuss the answers to these questions right now, by digging in a little deeper into what affects your motorcycle insurance rates.

What Factors Affect Your Motorcycle Insurance costs?

Motorcycle insurance rates can vary pretty greatly from person to person. The rate you eventually pay will be based on several different factors, including:

Driving History

The number one thing you can do to have affordable motorcycle insurance in California is to be safe on your bike. Tickets and accidents are going to raise your rate. As you go years without any violations, your rates will decrease no matter what other factors there are.


Because teen riders pose the greatest risk for insurers, this age group will typically pay higher motorcycle insurance rates. Fortunately, insurance premiums drop significantly when riders reach the age of 25. According to motorcycle.com, men can expect their premiums to drop about 20%, while women will save 12 to 15%. Your rate decreases as you get older until you reach your 70s.


Affordable motorcycle insurance in California is going to be easier to get some places over others, according to the zipcode of where you’re storing your bike. Remember, insurance doesn’t just cover accidents, but also theft and vandalism as well. If you live in a high-crime area and are more likely to have your bike stolen, you’ll be paying a bit more in order to cover this.

Type of Bike

The type or style of bike you ride is going to come into play as well. For example, a sport bike, cruiser, or custom motorcycle will all be insured for different costs. The reason for this is the insurance industry’s data on how these different types of bikes are ridden. 

Insurance Company

One of the most important things you can do to ensure you have affordable motorcycle insurance in California is to get your coverage through Pronto Insurance! Pronto offers strong and flexible motorcycle insurance options. This is true whether you’re a young, beginner driver or you’ve safely riden a motorcycle for decades.

We encourage you to get a quick and personalized quote on our website to learn more. You’ll be surprised and excited to see just how much money you could be saving each month!

Start Saving! It’s simple.


Buy Online!

Get cheapest insurance quotes instantly.
Location pin icon
Been here before? Review your quotes.

Call Our Agent

Our licensed agents are ready to help you save.