Most U.S states have mandatory laws for Motorcycle insurance. 46 out of 50 states have enforced Motorcycle insurance if you are traveling through them.
If we look at the Motorcycle insurance rates in California, several factors determine the average Motorcycle insurance rates in California. Variably the estimated cost of motorcycle insurance can vary from hundreds to thousands of dollars depending upon the person’s living status and driving records.
Motorcycle insurance premiums are relatively higher in CA than in any other state of America greatly because of the highest rate of stolen motorcycles in the country. If you need an immediate help with coverage, please reach out to one of agents.
Motorcycle theft rose 2% between 2015 to 2016. (National Insurance Crime Bureau)
What are the state requirements for Motorcycle insurance in CA
The riders must get their motorcycles insured in CA, and the defined insurance requirements by the state are at least $15,000 per person in case of an accident, which can be up to $30,000 for each accident and $5000 for property damage.
The state has defined a Motorcycle insurance plan for the low-income category as well known as California Automobile Assigned Risk Plan that allows the riders to insure at least $10000 for injury in an accident per person, $20,000 for each accident and $3000 for property damage.
Cost contributing factors for Motorcycle insurance for under 20 years old
National Highway Traffic safety records show that more than 16% of teen drivers aged between 16 to 20 were found to be responsible for fatal roadside accidents as compared to all drivers. That’s an alarming situation! And that is the crucial factor that contributes to the higher cost of motorcycle insurance in CA. let’s discuss some of them;
Age and Experience
The age of the person plays a vital role in determining the premium of Motorcycle insurance. As the statistics show that the younger the person is, the higher would be the premium amount. Different insurance companies have varying insurance rates depending upon the age groups.
Same way, female rider gets little fewer premiums as compared to male motorists.
Types of Motorcycle in use
Most of the teenagers love to ride heavy bikes and tend to buy a fast motorcycle. The insurer companies are well aware of the fact that the teenagers are most likely to drive fast that will cost them over speed tickets. Moreover, the risk of accidents, death, or injury may also arise. That’s why the premium for a sports bike or if the certain models of motorbikes have a higher rate of accidents, the insurance companies will increase the premium amounts to counterbalance the risk rate. The same way, you will have to inform the insurance company if you upgrade your bike to improve its performance; otherwise, you would not be eligible to claim the liability.
Take safe driving training and courses
If you have taken the safe driving training or courses, then definitely your premium amount would be lowered. The insurance companies will consider the level of competency riding to reduce the premium amounts.
Choose the right coverage plan
If you are not riding your bike on a daily basis, then chances are your premium rates will be reduced. To avail of this discount, you have to keep your yearly mileage below 3000. If you choose a comprehensive coverage plan, the premium amount would be maximum for more than $1000/year approximately, and it will increase to 3x if you own a sports bike.
How much does average Motorcycle insurance cost in CA?
There are several aspects that plays a significant role in determining motorcycle insurance cost per person in CA; an estimated coverage for less than 20 years old rider is $998/year and $83/ month. And if you own a sports bike, then the cost of insurance may jump to $3,000 per year.
However, the cost may also depend upon the coverage limits you select and even the age group you belong to. Another cost contributing factor is your driving history, where the insurance rates for young riders tend to get high because they are most likely involved in accidents and riskier than other age groups.
The younger the rider is, the higher will be the premium amount to insure. Premium amount is marginally higher for 16-year-old rider than that of 18 years old. The same way the more substantial the bike, the pricier coverage the coverage.
However, if certain factors kept into account and you do not want to pay through your nose try these tips to save money on your policy
Generally, on average the under 20 riders will get Coverage as follows
Liability only coverage: $500/ year
Full Coverage: $900
Liability coverage for 16-year-old rider will range from $1600 to $2400 annually with good driving records.
Liability coverage for 17 years old ride will range from $600 to $2000 annually.
The average insurance price for 18 years old rider is around $400 annually where GEICO charges male riders with $440 and females $400.
The average insurance for 20 and 21 years old rider will cost $616 to $1000
As we have mentioned earlier, that age is only one factor in determining the average insurance cost while the insurance companies take into account many other factors too. Such as your gender, your location, age and experience and the model of bike and then they will send you out a final quote for Motorcycle insurance.
However, certain tips can reduce insurance costs significantly. So before you ride off into your sun, take a look at these tips.
How can under 20 save Motorcycle insurance cost
Select an older bike
Most of the teenagers love to ride on a brand new sports bike, however, if you lurk on to cheaper Motorcycle insurance in California, then go for an older model of bike with less than 1000cc to cut back the cost.
Select your Coverage rates carefully
Watch out for the coverage rates carefully and get proper knowledge about minimum state requirements for insurance and select the Coverage according to your needs.
Choose yearly premium plans
If you choose annual premium plans rather than monthly plans, this will reduce the premium costs significantly.
Lay up an insurance plan
Choose lay-up insurance plan if you do not want to ride on your bike during winter, this Coverage will provide you safety from theft and natural disaster.
Avoid standalone insurance policies
Ask your guardians or your parents to buy an insurance plan instead of purchasing an independent policy by yourself. If your parents buy a motorcycle insurance policy along with any existing auto insurance policy, this will save your premium amount to a great extent.
What are the cheapest motorcycle insurance companies in California city to city
Here is the estimated cost for motorcycle insurance in San Francisco and Antelope city in California for the age group under 20. The insurance quotes depend upon variable factors, and these are just estimated costs from 3 most affordable and cheap insurance companies.
| | Esurance | Progressive | Markel |
| Minimum Coverage, San Francisco, CA | $18/month | $86/month | $57/month |
| Upgraded Service San Francisco, CA | $56/month | $144/month | $112/month |
| Minimum Coverage, Antelope CA | $11/month | $55/month | $34/month |
| Upgraded Service, Antelope, CA | $35/month | $78/month | $69/month |
It is visible that Esurance has the best motorcycle insurance quote for both minimum Coverage and upgraded Coverage about $18 to $56 per month.
Whereas Progressive has higher prices; however, it offers more discounts and perks as compared to any other insurance companies.
Markel’s insurance cost is comparatively higher than progressive, but it will pay you off its worth and provide you state minimum Coverage for liability, accident, and injury.
Other motorcycle insurance companies offering affordable motorcycle insurance are GEICO motorcycle insurance and SAFECO motorcycle insurance.
Comparative motorcycle insurance quotes for under 20 age group in California
| Insurance Company | Quotes |
| Safeco | $262 |
| GEICO | $86 |
| Progressive | $137 |
| State Farm | $193 |
| Liberty Mutual | $352 |
For the age group 16-20, the average motorcycle insurance coverage is $86/month by GEICO, whereas progressive motorcycle insurance coverage is $137/ month.
Average motorcycle insurance premium in the U.S by age group
If we look at the average motorcycle insurance premium in the U.S in the year 2019, the Statista shows annual motorcycle insurance premium for 18 years old was 2,628$, which is comparatively higher than other age groups.
Best motorcycle insurance companies per quality of service in California
| Insurer | NAIC Score | A.M. Best Rating |
| Progressive | 1.86 | A+ |
| GEICO | 0.92 | A++ |
| Esurance | 1.02 | A+ |
| Dairyland | 1.16 | A+ |
| Markel | 0* | A |
| Nationwide | 0.54 | A+ |
If we compare the motorcycle insurance companies as per their customer services, we have data released by National Association Insurance Commissioners (NAIC). The NAIC index shows how many objections did the company received and lower the number, the better would be the performance of the company. The A.M. index shows how well the insurance company is doing in terms of financial stability.
The Nationwide motorcycle insurance company shows the lowest NAIC score an A+ performance in terms of financial stability.
Bottom line; We have provided you estimated average motorcycle insurance coverage by different insurance companies in California for age group 16 to 20 years old. The insurance policies provide Coverage as per person location, age group bike model, and the Coverage they chose to take. Therefore, it’s up to a person’s choice to select the insurance company according to his needs. The best cheap insurance company as compared to other companies is GEICO insurance that is providing $86/ month for 16 years old person. However, it is advised to get in touch with the insurance companies to get their quotes before locking on any insurance policy.