#1 Trusted Motorcycle Insurance San Diego, CA

We are a San Diego-based insurance agency that works with the top-rated motorcycle insurance brands to provide the #1 coverage and the lowest rates in California. No matter what you own – a sport bike, touring bike, custom bike, cruiser, or a scooter, you can turn to H&M.

We stand behind our coverage with industry-leading services, liability coverage, collision coverage, bodily injury coverage, and support. Our motorcycle insurance San Diego policies are customizable, meaning your policy is made to the accurate specifications of who you’re, how you ride, and what kind of coverage you need.


(619) 296-0005

Motorcycle Insurance California Expert

At H&M, we understand the exposures facing motorcyclists, and our insurance bundle can be accommodated to fit a wide range of risks. Our motorcycle insurance coverage will benefit you, your bike, and others on the road.

The 10 main coverages that make up the best California motorcycle insurance policy include:

  • Bodily Injury Liability Coverage;
  • Collision Coverage;
  • Comprehensive Coverage;
  • Property Damage Coverage;
  • Uninsured/Underinsured Motorist Coverage;
  • Accessories Coverage;
  • Helmet Coverage;
  • Roadside Assistance;
  • Guest Passenger Liability;
  • Custom Parts and Equipment.
Motorcycle insurance California USA

Why Choose H&M Insurance?

Our company is independently owned and locally operated to handle your insurance needs. We focus on San Diego and offer affordable and reliable insurance choices all across California. We’ll help you to find the right combination of tailored, personalized policy at the appropriate price to fit your needs.

  • Customizable coverage to meet your needs;
  • 50 years of experience and expertise;
  • Family-owned business;
  • We partner with top-rated insurance firms;
  • Easy, quick, and free no-obligation quotes;
  • Best motorcycle insurance rates in California;
  • Award-winning client service;
  • Multi-policy discounts.

Motorcycle Insurance San Diego Specialist – Call (619) 296-0005 Today

We take the guesswork out of selecting the best motorcycle insurance California offers for you and your bike. Our agents stay up to date on the latest insurance laws and coverage changes, so you can rest easy knowing you’ll get the best coverage. Ring us at (619) 296-0005 and see what we can do for you!


H&M Insurance Agency

(619) 296-0005





How Much Is Motorcycle Insurance In California?

The amount you pay for motorcycle coverage depends on several factors, including your age, location, and riding habits. Your credit history and claims can also help determine your rate. The average California motorcycle insurance policy costs approximately $57.50 a month, or $690 per year.

How Does It Work?

Motorcycle insurance is similar to car insurance. There are some coverages required by the State of California and others that may be optional. Liability policies are usually required by the state and provide coverage for damages or injuries you may cause to others in an accident. There are other coverages you can use for – added accessories and coverage for towing and roadside assistance. You can opt for optional limits and coverages to personalize your policy to meet your requirements.

Is Motorcycle Insurance More Expensive Than Auto Coverage?

Yes, it is, for the simple reason that it’s much riskier to drive a motorcycle. The bike may cost less than a car, but that has almost no bearing on the likelihood of an accident, much higher than a bike.

How Much Coverage Do I Need?

It depends. However, it’s best to choose the most complete motorcycle insurance coverage within your budget. You want to be sure that you are sufficiently covered in the case of an accident and don’t have to pay large bills out of your pocket. That means choosing the right amount of comprehensive, collision, bodily injury liability, property damage liability, accessory, and other coverage to protect you and your cycle.

Does Motorcycle Insurance Cover My Passenger?

It depends. However, it’s best to choose the most complete coverage within your budget. You want to make sure that you’re adequately covered in the case of an accident and don’t have to pay large bills out of your pocket. That means choosing the right amount of collision, comprehensive,  property damage liability, bodily injury liability, and other coverage to protect you and your cycle.