How much motorcycle insurance do I need to legally drive in California?

California motorcyclists must meet state minimum insurance requirements just like motorists to legally drive their motorcycles. THINK Insurance & Financial Services is dedicated to helping Pomona, CA motorcyclists obtain the necessary insurance.

California State Insurance Requirements

Motorcyclists must carry motorcycle liability insurance that meets California’s state minimum requirements. Minimum state requirements must be adhered to in the state of California to legally drive your motorcycle. The current minimum insurance requirements include $15,000 per accident per person for death and injury and $30,000 per accident for death or injury for multiple people. Motorcyclists must also carry $5,000 in insurance coverage for property damage.

Other Considerations…

Liability insurance will only cover damage to other people’s property and other people’s injuries, not your own. You will need to purchase additional insurance to cover damage to your motorcycle and any injuries you sustain while operating your bike. 

Underinsured/Uninsured Insurance

If you’re in an accident and you’re not at fault, there’s a chance the other motorist may be underinsured or uninsured. Suppose your injuries or damage to your motorcycle exceed a specific limit. In that case, the other motorists may not have enough insurance to fully pay for damages to your property, bike, or any physical injuries you may sustain. Investing in underinsured or uninsured insurance will cover any damage or injuries you may support from drivers that are underinsured or uninsured. 

If you have questions about how much insurance you should purchase to legally drive your motorcycle in the state of California, give us a call. Please invest in the coverage that will best fit you and your situation. Our team at THINK Insurance & Financial Services is here to help Pomona, CA motorcyclists get the insurance coverage they need.