Motorcycle Insurance in California

California's residents are legally required to carry motorcycle insurance to drive on the streets and highways of California. California requires all drivers to meet at least the minimum state motorcycle insurance requirements. Our team at Reinas Insurance Agency Inc. is committed to helping Pasadena, CA drivers get the motorcycle insurance they need.

California State Motorcycle Insurance Requirements

As a driver in California, you are legally required to maintain motorcycle insurance that meets the state's minimum insurance requirements. California motorcycle drivers are required to carry $15,000 in bodily injury liability insurance per person and $30,000 per accident. In addition, drivers must also carry $5,000 in property damage liability. However, remember that your specific situation may require you to carry more than the state minimum insurance requirements.

Other Considerations to Make

Although California requires all motorcycle drivers to maintain liability insurance, you may need to carry more than the state minimum auto insurance if you have a motorcycle loan or lease. Lenders usually require you to carry full coverage insurance if you're financing your motorcycle. This rule may also apply if you're leasing your motorcycle. Typically, lenders require full coverage motorcycle insurance to protect their investments. This ensures that the lender can recoup their money if anything happens to the motorcycle before it's paid in full. Once you've paid your motorcycle loan in full, you can reduce your insurance coverage if it works for your personal situation. Speaking with a licensed insurance agent can help you to determine your best options. Sometimes, it's best to continue to carry full coverage motorcycle insurance if you can't afford to pay for repairs and other situations out of pocket.

If you have questions about motorcycle insurance, call our office in Pasadena, CA. We can help you explore your unique situation and help you get the coverage you need.