Motorcycles are classified as one of the following
The classification affects not only the motorcycle insurance rates, but even the policy type in some cases. That said, insurance for motorcycles is very much like car insurance.
In most states, if you’re involved in a traffic accident, you must provide proof of financial responsibility. The most common way of meeting this requirement is by purchasing a motorcycle insurance policy.
California law requires that all drivers be able to pay damages resulting from the ownership or operation of a motor vehicle.
Drivers must show their ability to pay damages (called “financial responsibility”) of at least 15/30/5
Here’s what that means:
California only requires the liability portion. Depending on your situation or the age of your vehicle, you may need or be required to carry physical damage coverage, uninsured motorist, or some of the optional coverages listed below.
A “typical” policy might include:
Optional coverages include: