California Motorcycle Insurance Requirements

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    Compulsory Liability

    • The minimum amount of compulsory liability is called 15/30/5. This means $15,000 for bodily injury to one person, $30,000 for bodily injury to multiple people, and $5,000 for property damage caused by the motorcycle.

    Financial Responsibility

    • The driver must keep proof of financial responsibility at all times. Driving without this proof could lead to the suspension of the driver’s license for up to one year. The proof of financial responsibility can be an insurance policy, or a certificate from the Department of Motor Vehicles showing a deposit of cash set aside in the case of an accident.

    Proper Reporting

    • The state of California requires anyone involved in an accident who caused damages exceeding $750 to report the accident to the Department of Motor Vehicles within 10 days of the accident. The accident must be reported on the Report of Traffic Accident Occurring in California form, which can be found at any DMW office or on the DMV’s website.


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