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Motorcycle Insurance California

We’re here to protect your ride.

Man seat on the motorcycle on the forest road.
Discover the best insurance policy that matches your riding style. Whether you’re hitting the road with your bike for a short trip on the highway, or embarking on a long adventure, our Motorcycle Insurance California is designed to keep up and protect you and your motorcycle on every adventure. Since Motorcycle Insurance is required in California, at PSIC we create affordable, comprehensive coverage that will safeguard your bike while you enjoy the wonders of the Golden State.

Motorcycle Insurance Coverages in California

Explore the essential levels of protection offered by California Motorcycle Insurance.

Bodily injury and property damage liability

Provides financial support to cover third party’s medical bills or repair their damaged property in the event you’re found responsible for an accident.

Bodily injury and property damage liability

Provides financial support to cover third party’s medical bills or repair their damaged property in the event you’re found responsible for an accident.

Customize it according to your needs
Level up your Motorcycle Insurance coverage to increase your protection.

Comprehensive and collision

Assists in covering the repair of damage resulting from a collision. It also gives support against damages caused by incidents like vandalism, theft, or falling objects.

Roadside assistance

Offers essential help with repair services for your bike, such as towing, flat tire assistance, fluid delivery, jump start, concierge service, and more.

Trip interruption

Provides financial aid for temporary living expenses, including accommodation and transportation in case of accidents occurring over 50 miles away from your home.

Medical payment

Assists you by paying medical expenses in the unfortunate event that someone else is injured and you’re responsible for the collision.

Common Risks

At PSIC, our top priority is to ensure the safety of you and your motorcycle against the major risks prevalent in California: body and property damage. No matter how experienced or careful you are in driving, accidents happen, and being prepared for them is critical.

With PSIC standard Motorcycle Insurance coverage, you are protected against claims for body and property damage you cause to other people, and you can add medical payment coverage to afford related medical costs. Additionally, you can protect yourself by including uninsured motorist coverage and get financial protection if the person you have an accident with doesn’t have insurance coverage. Finally, if your goal is to extend your full liability coverage, consider getting an Umbrella Insurance policy as well.

How Much is Motorcycle Insurance in California?

Understanding factors that will affect your Motorcycle Insurance cost, alongside with choosing ideal add-ons, will help you have a more comprehensive coverage. In other words, finding the best protection for your motorcycle.

Living in a state with hot, dry summers and long-riding seasons increases the chances of collisions and this, as well as the level of traffic in the area where you live, are factors that can affect the price of your insurance.

Insurance companies are known to take into account the year and model along with the engine size of your motorcycle when calculating your policy cost, as some types of bikes are related to more potential risks of collision due to their characteristics.

The price of your Motorcycle Insurance is directly influenced by the coverage options you opt for, meaning that increasing your coverage will impact your insurance cost accordingly.

Your insurance premiums can be influenced by your riding history, including accidents and traffic violations, as insurers may perceive you as a higher risk. However, keeping a record free of incidents can make you eligible for reduced policy premiums.

Save Money on Insurance

Having the best Motorcycle Insurance in California doesn’t mean it has to be expensive. Find out which options you can choose to make it more affordable while keeping it safe.

Bundle and save

When having 2 PSIC active policies.

Good Driver Discount

Celebrate a stellar zero-claims track record with a well-deserved discount on your premium.

Mature driver discount

Embrace the Californian retired lifestyle and enjoy a lower premium price by being 55 or older.

Multi-cycle discount

Enjoy this benefit by having multiple motorcycles insured with us.

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

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What is DP3 Insurance?

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Get Fully Protected

Check out all the coverage options available in California!

Privacy Notice at Collection for CA employees

Last updated: June 27, 2023

  1. About this Notice. This privacy notice sets out how The McGraw Group of Affiliated Companies collects and uses personal information about you in compliance with our obligations under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This Notice supplements all other privacy policies we have in place.

We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.

  1. Key Terms. The following key terms are used in this notice:
  • We, us, our. The McGraw Group of Affiliated Companies.
  • Personal information. Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual.
  • Sensitive personal information. Personal information revealing an individual’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
  • Biometric Information. An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.

  1. Personal Information We Collect About You. We may collect and use the following categories of personal information about you:

Categories of Personal Information Collected

  • Identifiers: Name, alias, postal address, email address, phone number, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  • Employment-related information such as your job title, salary, benefits information, emergency contact information, references, qualifications, skills and experience.
  • Personal information as defined in Customer Records law: Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, professional license number employment history, bank account number, other financial information, medical information, and/or health insurance information.
  • Characteristics of protected classifications under California or federal law such as race, age, sex, familial status, and disability.
  • Audio, electronic, visual, or similar information such as photographs and call recordings
  • Background check information such as your criminal and credit history
  • Inferences are not drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  1. How and Why We Use Your Personal Information. We use your personal information for the following purposes:

Purposes for Collecting and Using Your Personal Information

Managing Human Resource Functions:

  • Recruiting, hiring, and onboarding
  • Performing background checks
  • Implementing diversity and inclusion initiatives
  • Training and career development
  • Assessing performance
  • Determining promotions, transfers, salary, awards, and bonuses
  • Managing disciplinary matters
  • Managing payroll and business expenses
  • Administering leave requests
  • Employee communications
  • Administration of benefits
  • Promoting employee health and safety

Conducting business operations:

  • Budgeting
  • Recordkeeping and reporting requirements
  • Managing infrastructure and company assets
  • Strategic planning
  • Maintaining security and risk management
  • Emergency response and business continuity
  • Conducting audits
  • Pursuing or defending legal or administrative claims

Monitoring:

  • Compliance
  • Use of company resources
  • Any other monitoring activities permitted by applicable laws

Compliance with:

  • Legal and regulatory obligations
  • Court or other government directives
  • Internal policies and procedures

Investigating:

  • Reports of wrongdoing
  • Policy violations
  • Internal complaints
  1. Whether Personal Information Will Be Sold or Shared. We do not sell or share the personal information of employees.
  2. How Long Your Personal Information Will Be Kept. We will keep your personal information for as long as is necessary while you are employed by us. Thereafter, we will keep your personal information:
  • To respond to any questions, complaints or claims made by you or on your behalf or;
  • To keep records required by law. In California, this is currently and generally a minimum of four (4) years.

We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymize it.

  1. If you have any questions or concerns about this notice or the information we collect about you, please contact send an email to privacy@pacificspecialty.com.