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Motorcycle Insurance

The first step in purchasing motorcycle insurance is to contact your agent or broker with whom you currently have auto or home insurance.  In several states, like California, you must have insurance coverage before you can bring your new bike home from the dealership.  If your current insurance company does not cover motorcycles, talk with friends or others who already have coverage.  This way, you will be able to work from a good list of recommended agencies to start out.  You may also gain information through your salesperson and motorcycle magazines.  Be cautious with your dealership though; they don't always work with the best insurance companies.  Don't become pushed into something you're not comfortable with.

The same coverages available for auto insurance is basically available for motorcycle insurance.  See auto insurance page for details on coverages.

Things To Keep In Mind
Your premium will be based upon several key factors involved with your motorcycling situation. They include, but are not limited to:

  • The motorcycle engine displacement size in cubic centimeters (cc)
  • A majority of the time, you will receive a higher premium with a larger displacement engine. These bikes are more expensive and provide higher performance. 
  • Type of motorcycle
  • The type of motorcycle you plan on insuring also affects premium price. A 500 cc cruiser will be cheaper to insure than a 500 cc sport bike.  Sport bikes usually have fairings (plastic covers that shroud the engine), and other various pieces of bodywork that can make them expensive to repair in a crash or accident.
  • Brand of motorcycle
  • The make (brand) of your motorcycle is not such a big factor, but it is taken into consideration.  A brand with models few and far between will run higher than a common brand. Your age will affect your premium.
  • Your age
  • Older drivers tend to experience cheaper rates than their younger counterpart, on the same motorcycle.  Statistics show that riders under the age of 25 tend to be involved in the most accidents.
  • Your driving record
  • Driving record and experience both affect your premium. If your record is blemished with tickets and accidents, then expect to pay more. Experience tends to go hand in hand with your age.
  • Your driving experience


  • Is the bike garaged?
  • If you plan on leaving it out on the street, you will experience a higher rate than if it is garaged.  Leaving it parked along the street leaves the bike open to theft and accidents.
  • Location
  • If you live in a big city, your rates may slightly be higher than if you live in a rural area.
  • Number of intended miles driven weekly
  • The mileage you tend to put on the bike on a weekly basis will push your premium up or down.  If the motorcycle is your main mode of transportation, expect a higher rate.

As you can see, there are many factors that are taken into consideration when insuring motorcycles.  Speak to one of our representatives to discuss your options to get the right policy at the right premium.


For more information please call us at (415) 876-5440.  You can request a free quote here.


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