Riding in California means freedom, adventure, and lifestyle. But California roads demand more than just skill they require comprehensive protection. Pacific Haven Insurance ensures you're covered, legal, and prepared for anything on two wheels.
Every motorcycle rider in California must carry minimum liability insurance to legally operate on public roadways. These minimums help keep you legal, but may not provide comprehensive protection in serious accidents.
Minimum coverage for injury or death to one person in an accident you cause.
Minimum coverage for injury or death to multiple people in a single accident.
Minimum coverage for damage to another person's property.
Important: While these are the legal minimums, we strongly recommend higher limits to fully protect your assets and financial future. Medical costs and vehicle repairs in California far exceed these minimum amounts.
Registered motorcycles in California more than any other state
Higher fatality rate per mile for motorcycles vs. cars (NHTSA)
Average annual cost for liability-only coverage in California
The foundation of your motorcycle insurance and required by California law. Protects you financially when you're responsible for injuring others or damaging property in an accident.
Protect your investment from accidents, theft, vandalism, and Mother Nature. Essential coverage for bikes with significant value or those you're still financing.
Critical protection in California where many drivers lack adequate insurance. Covers your medical bills and damages when hit by someone without sufficient coverage.
Immediate medical expense coverage for you and your passengers regardless of who caused the accident. No waiting for fault determination or lawsuits.
Protect custom paint, chrome, upgraded wheels, electronics, and aftermarket parts. Coverage up to $30,000 for your modifications.
Replaces damaged helmets, jackets, boots, gloves, and protective gear from covered losses. Up to $3,000 with no additional deductible.
24/7 towing, fuel delivery, flat tire service, locksmith help. Includes coverage for motorcycle trailers.
If your new bike is totaled within the first year, we'll replace it with a brand new model of the same make and model.
We're more than just another insurance provider we're your local partners in the Bay Area, dedicated to protecting what matters most to you.
We understand California's unique riding conditions from Bay Area traffic to coastal weather patterns and tailor coverage accordingly.
Access to licensed California insurance professionals who understand motorcycles and provide personalized guidance for your situation.
From Harleys to Hondas, sport bikes to scooters, cruisers to touring bikes we insure all makes, models, and riding styles.
As an independent agency, we compare multiple carriers to find you the best coverage at rates that fit your budget.
Questions answered quickly, claims handled efficiently. We're here when you need us most not just when it's convenient.
We're not looking for one-time sales we want to be your trusted insurance partner as your riding journey evolves.
Save money by bundling your motorcycle insurance with your auto, home, or other policies. We make it easy and affordable.
Simple online tools, clear documentation, and straightforward processes. No confusion, no hidden surprises.
Contact us via phone or fill out our simple online form to get started.
Our licensed insurance agent will contact you to discuss your needs.
We'll analyze your assets and lifestyle to determine the right coverage.
We'll create a personalized umbrella insurance plan that fits your needs.
Enjoy peace of mind knowing your assets are protected with comprehensive coverage.
"Kay helped me get my new car insurance with Allstate. She made it quick and easy and made sure I got the best price possible. Good communication and I'm very happy with her service. Thank you!"
"Both Rizwan and Shirley were very helpful with my Auto Insurance needs - I would highly recommend this Allstate Team for all your insurance needs. Thanks again and keep up with the great work!"
"Excellent service and rates for my auto insurance and property insurance for 10+ years. A shout out to Shirley for giving me great explanations about my policies and reminder about dues."
"The best agent Kay very very outstanding very helpful. She make things very easy for me. I really appreciate what she did and the work she done on my policy Thank you Mr Rizwan for having 10 stars agent Kay working with you and also the best auto insurance company"
"Shirley has been helping my family for over 20 years. she's Knowledgeable, responsive, and genuinely cares about tailoring coverage to our needs. I trust her completely with my home and auto insurance. Highly recommend."
Get answers to frequently asked questions about motorcycle insurance in California.
Yes. California law requires all motorcycle owners to carry minimum liability insurance before operating on public roads. You must have at least $15,000/$30,000 bodily injury liability and $5,000 property damage liability coverage.
Average costs range from $195-$1,500+ annually depending on factors like your age, riding experience, location, bike type and value, coverage levels, and driving record. Sport bikes typically cost more to insure than cruisers. Contact us for a personalized quote.
Key factors include: your age and riding experience, motorcycle make/model/year, engine size (cc), where you live and park your bike, your driving/riding record, coverage levels selected, deductibles chosen, annual mileage, and whether you've completed safety training.
No. Standard auto insurance policies do not cover motorcycles. You need a separate motorcycle insurance policy that's specifically designed for two-wheeled vehicles and their unique risks.
Yes. Your liability coverage extends to passengers you're legally required to carry. Medical payments coverage also typically covers passenger injuries. However, review your specific policy limits to ensure adequate protection.
If your motorcycle has significant value, is financed, or would be expensive to replace, comprehensive and collision coverage is highly recommended. These coverages protect your bike from damage, theft, and total loss not just injuries to others.
Yes. Standard policies often have limited coverage for custom equipment. We offer additional coverage specifically for custom paint, chrome, upgraded parts, electronics, and other modifications typically up to $30,000 in protection.
We offer both options. If you only ride during certain months, seasonal coverage can reduce your premium. However, California's mild climate means many riders enjoy year-round riding, making full annual coverage valuable.
Whether you're buying your first bike, upgrading coverage, or shopping for better rates Pacific Haven Insurance is ready to help. Get personalized quotes, expert advice, and peace of mind from local insurance professionals who understand California riders.
Located in Millbrae, Serving All of California
Monday - Friday: 9:00 AM - 5:00 PM
