What Make and Model has the Cheapest Motorcycle Insurance in California?


insurance laws. According to our state, you should only ride your motorcycle if you have a valid license and an insurance policy. The good news is that getting both of these is pretty easy.

When it comes to California motorcycle insurance, there is a wide range of possible coverage and rates. There are quite a few factors that determine how cheap or expensive your motorcycle insurance will be. They mainly come down to these three elements:

  • The less power your bike has, the less expensive it will be to cover.
  • Sportbikes have higher motorcycle insurance rates because of their higher speeds.
  • The age of your motorcycle also factors into your insurance rates.

Clearly, the exact motorcycle you’re riding has a big effect on the insurance rates you’ll ultimately pay. If you’re looking to find a bike that is as cheap as possible to cover, we can help you with that!

Top Low-Insurance Motorcycles

You want a great ride, for an affordable price. With Pronto Insurance, this is possible! Not all coverage costs are going to be the same, though. In order to help you, we put together a quick list of motorcycles that will be very affordable to cover:

#1 Honda Shadow Phantom

#2 Yamaha V-Star

#3 Harley-Davidson Softail Standard

#4 Kawasaki Ninja

#5 Royal Enfield Classic

These bikes are each very affordable to purchase. They range in price from just under $5,000 to a little over $13,000. They are fun to drive, yet not overpowered or dangerously fast. That’s perfect!

Minimum Insurance Requirements in California

Just like for other vehicles, insurance is mandatory for your bike. All motorcycle riders in California are required to have motorcycle insurance. The mandated levels of insurance coverage for our state include:

  • Property damage: $5,000
  • Per person per accident: $30,000
  • Per person for personal injuries: $30,000

These insurance minimums in California are only for liability coverage, which pays for the damages that your accident causes to other motorists. In a motorcycle accident, you’re likely to have much more damage than them. What happens when you’re injured? What if your motorcycle is damaged in the accident? Will you be able to cover your medical and repair bills if you can’t work? When purchasing insurance coverage, it’s crucial that you choose a package that satisfies your insurance needs, not just the state minimums. The inherent risks of riding a motorcycle are higher, meaning it’s even more important that you purchase additional coverage than if you were driving a car or truck.

Pronto Insurance offers robust and flexible motorcycle insurance options. Each insurance package includes total loss coverage for a brand new bike, roadside assistance, carried contents and personal belongings, as well as enhanced injury protection.

If you have a clean driving record, you can obtain minimum insurance for an extremely low monthly rate. Even if your record has a few spots on it, Pronto Insurance can still help. Reach out today to learn more about our coverage options and very low rates.


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