Motorcycle Insurance 

Motorcycle Insurance for California Riders Who Live to Ride

Whether you’re splitting lanes on the 405 or cruising the Pacific Coast Highway on weekends, having the right motorcycle insurance in Los Angeles is more than smart—it’s required. California law mandates liability coverage for every bike on the road. At Derian Insurance, we help riders across LA get personal coverage that fits their bike, their lifestyle, and their budget.


From Harley-Davidsons to sport bikes, scooters to touring motorcycles, we tailor policies that go beyond the minimum—so you're covered when it counts.

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What Does Motorcycle Insurance in CA Include?

Riding in California comes with risks—heavy traffic, distracted drivers, and a high number of uninsured motorists. Your policy should go beyond the legal basics to truly protect you and your ride. A standard motorcycle policy can include:

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Liability Coverage

Required by California. Covers bodily injury & property damage if you’re at fault.

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Collision Coverage

Pays to repair or replace your bike after an accident.

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Comprehensive Coverage

Covers non-collision incidents like theft, vandalism, or fire.

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Uninsured/Underinsured Motorist

Crucial in LA. Covers you if another driver causes a crash and has little or no insurance.

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Accessory Coverage

Protects custom parts, helmets, riding gear, saddlebags, and chrome upgrades.

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Medical Payments

Optional, but can help with minor medical bills regardless of fault.

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Towing & Roadside Assistance

Get help if you’re stranded mid-ride.

We help you strike the right balance between protection and price—especially if you ride year-round or store your bike for the winter.

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Coverage for Every Kind of Bike on the Road

We insure all types of motorcycles across California, including:


  • Cruisers
  • Touring bikes
  • Sport bikes
  • Dirt bikes (with street-legal tags)
  • Custom or modified motorcycles
  • Scooters & mopeds

If you’ve got a Harley, Honda, Ducati, or something vintage in the garage—we’ll find the right fit. Own more than one bike? Ask us about multi-bike discounts.

Why Riders Choose Derian Insurance

We’re more than just policy pushers—we’re your independent motorcycle insurance agent in LA who knows what matters to local riders:

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Local knowledge

We understand the riding conditions in LA, from Mulholland Drive to the Santa Monica curves.

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Carrier options

We shop top insurers to find you the best rate and coverage combination.

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Claims support

If something happens, you're not on your own—we walk you through every step.

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Bundling perks

Already have home or auto with us? Bundle and save on your motorcycle policy too.

Motorcycle Insurance FAQs

  • Do I need motorcycle insurance if I don’t ride often?

    Yes. If your bike is registered for street use in California, state law requires liability coverage—even if it’s rarely used.

  • Are helmets, custom parts, or gear covered?

    Standard policies often don’t cover aftermarket upgrades. We help add accessory coverage so your custom seat, helmet, or chrome pipes are protected.

  • Is motorcycle insurance expensive for new riders?

    It can be higher at first, but we’ll work to find discounts—especially if you complete a safety course like the California Motorcyclist Safety Program.

  • Can I get cheap motorcycle insurance in CA without cutting coverage?

    Yes—with the right agent. We find balance between affordability and protection, never cutting corners where it counts.

  • Do you insure bikes stored seasonally or only ridden part-time?

    Absolutely. We can adjust coverage levels during off-season or look into laid-up policies that protect your bike while it’s stored.

Ready to Ride with Confidence?

We make it easy to insure your motorcycle—whether you’re a first-time rider or a long-time enthusiast. If you already insure your car or home with us, we can often add your bike with multi-policy discounts.



Get a personalized motorcycle insurance quote today. Derian Insurance is here to help you hit the road with peace of mind.