Whenever you operate a motorcycle, you are at risk of being involved in an accident, just like you are when you operate a car. Therefore, the law requires you to have California motorcycle insurance if you ride a motorcycle. The required liability limits for a California motorcycle insurance policy are the same as the required liability limits for an automobile policy: bodily injury at 15,000/person, 30,000/accident, and property damage liability at $5,000/accident. The same types of coverages listed above for automobiles are available for motorcycles. Motorcyclists who choose to ride without insurance also face the same penalties as drivers who drive without it. Whether you drive or ride, it’s just not worth the risk to do so without insurance!