{"id":1167,"date":"2023-01-05T00:13:47","date_gmt":"2023-01-05T00:13:47","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1167"},"modified":"2023-01-05T22:16:55","modified_gmt":"2023-01-05T22:16:55","slug":"cheapest-motorcycle-insurance-california","status":"publish","type":"post","link":"https:\/\/www.prontoinsurance.com\/blog\/cheapest-motorcycle-insurance-california\/","title":{"rendered":"What&#8217;s the Cheapest Motorcycle Insurance in California?"},"content":{"rendered":"<p><span id=\"top\" style=\"font-weight: 400;\">When it comes to California motorcycle insurance, there is a wide range of possible coverage and rates. There are quite a <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/affordable-motorcycle-insurance-in-california\/\"><span style=\"font-weight: 400;\">few factors<\/span><\/a><span style=\"font-weight: 400;\"> that determine how cheap or expensive your motorcycle insurance will be. They mainly come down to these three elements:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The less power your bike has, the less expensive it will be to cover.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sportbikes have higher motorcycle insurance rates because of their higher speeds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.prontoinsurance.com\/blog\/price-of-motorcycle-insurance-in-california\/\"><span style=\"font-weight: 400;\">The age of your motorcycle<\/span><\/a><span style=\"font-weight: 400;\"> also factors into your insurance rates.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Clearly, the exact motorcycle you\u2019re riding has a big effect on the insurance rates you\u2019ll ultimately pay. If you\u2019re looking to find a bike that is as cheap as possible to cover, we can help you with that!<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Do You Need Motorcycle Insurance in California?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The state of California requires you to have a valid license and insurance coverage in order to drive a motorcycle. The good news is that obtaining both of these is rather straightforward. All you need to do is contact a reliable insurance provider that provides you with plenty of options for coverage.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">California Motorcycle Insurance Requirements<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property damage: $5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Per person per accident: $30,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Per person for personal injuries: $30,000<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">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\u2019re likely to have much more damage than them. What happens when you\u2019re injured? What if your motorcycle is damaged in the accident? Will you be able to cover your medical and repair bills if you can\u2019t work?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When purchasing insurance coverage, it\u2019s 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\u2019s even more important that you purchase additional coverage than if you were driving a car or truck.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why Is California Motorcycle Insurance So Expensive?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As we previously stated, the inherent risks of riding a motorcycle are higher than driving a regular car. There are several factors that go into the calculation of your motorcycle insurance rates. The amount of protection you need, as well as the age and type of bike you own, will all determine how much money you pay for coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, if you have a history of traffic tickets or accidents, your premium could be higher than someone with a clean driving record. Other factors such as location, credit history, and occupation may also play a role in the cost of your insurance policy.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Which Motorcycles Has the Cheapest Insurance in California<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Honda Shadow Phantom<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yamaha V-Star<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Harley-Davidson Softail Standard<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kawasaki Ninja<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Royal Enfield Classic<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">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<\/span><span style=\"font-weight: 400;\">, which is perfect.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Get Affordable Motorcycle Insurance in California<\/span><\/h2>\n<p><b>Pronto Insurance<\/b><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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,<\/span><b> Pronto Insurance<\/b><span style=\"font-weight: 400;\"> can still help. Reach out today to learn more about our coverage options and very low rates.<\/span><\/p>\n<p><a href=\"#top\"><span style=\"font-weight: 400;\">Jump to top<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.prontoinsurance.com\/blog\/cheapest-motorcycle-insurance-california\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What&#8217;s the Cheapest Motorcycle Insurance in California?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1169,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[],"jetpack_featured_media_url":"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/03\/California-Motorcycle-Insurance.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What&#039;s the Cheapest Motorcycle Insurance in California? | Pronto<\/title>\n<meta name=\"description\" content=\"Are you looking to save money on motorcycle insurance? 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