Los Angeles is one of the best cities in the United States for year-round motorcycle riding — mild weather, iconic roads like Mulholland Drive and Pacific Coast Highway, and California's legal lane splitting all make LA a motorcyclist's paradise. But LA is also one of the most expensive cities for motorcycle insurance, due to high traffic density, theft rates, and repair costs.
In 2026, the average Los Angeles motorcyclist pays approximately $950 per year for full coverage and around $280 per year for liability-only coverage — though rates vary significantly by bike type, rider age, and neighborhood.
California Motorcycle Insurance Requirements
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $15,000 per accident
These minimums are very low. Most LA riders should carry at least $100,000/$300,000 in liability coverage given the high cost of medical care and vehicle repair in the LA area.
Lane Splitting and Insurance in California
California is the only US state where lane splitting is legal. While lane splitting can reduce your commute time, it also increases accident risk in heavy traffic. Some insurers factor lane splitting into their risk assessment for LA riders.
Get Your Free Los Angeles Motorcycle Insurance Quote
Sewell Insurance Agency serves all of Los Angeles County. Our licensed brokers will find you the best motorcycle insurance rate for your LA riding profile.