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21st Century sells low-cost

motorcycle insurance

with plenty of coverage options—but only if you live in

California

Looking for cheap motorcycle insurance coverage in the Golden State? 21st Century offers many policies beyond just the basic liability requirements. Let’s review your coverage options for your cruiser, dirt bike, electric bike, or scooter with 21st Century motorcycle insurance.

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Does 21st Century offer motorcycle insurance?

Yes. Along with standard

car insurance

, 21st Century also provides motorcycle insurance coverage for California residents only.

With

liability coverage

alone, standard benefits of a 21st Century motorcycle insurance policy include First Accident Forgiveness and available Towing and Roadside assistance. But there are several other available motorcycle policies designed for bike enthusiasts.

While policies are written under Foremost Insurance, you can get a motorcycle insurance quote from 21st Century by calling 1-800-716-9250 or heading over to their

website

. Make sure you have your bike’s make, model, year, and vehicle identification number (VIN) on hand to make the process go quickly and smoothly.

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Cost

The cost of a 21st Century motorcycle insurance policy depends on several crucial factors like your age, type of motorcycle, riding experience, credit score, driving record, and the value of the bike. Your insurance company will also look at your history of accidents and insurance claims. On average, you could pay up to about $60 per month for 21st Century motorcycle coverage.

Coverage options

When it comes to motorcycle insurance, 21st Century offers a wide range of add-on coverage options for all your riding needs. Choose from basic liability insurance or

full-coverage insurance

options depending on your bike’s needs and your personal preferences

Let’s take a closer look at the table below to evaluate your coverage options with 21st Century.

Coverage	Description	Example	Included automatically?	Do I need it?
Bodily injury liability coverage	If you’re at fault in an accident, this coverage will pay for injuries to the other rider.	You hit another rider after running through a stop sign and they suffer a spinal injury. 21st Century will pay their medical expenses up to your policy’s limit.	No	Probably. Bodily injury liability is required by law in most states.
Property damage liability coverage	If you’re at fault in an accident, this coverage will pay to repair the other driver’s property.	You hit another rider with your motorcycle and damaged their bike. 21st Century will pay for repair costs up to your policy’s limit.	No	Probably. Property damage liability may be required by your state’s laws.
Comprehensive coverage	Covers replacement or repair costs for your motorcycle if it’s been stolen or damaged by non-collision accidents like vandalism or natural disasters.	A storm whips up, causing a tree branch to fall and total your bike. Minus your deductible, 21st Century covers the actual cash value of your motorcycle.	No	Though not required by law, it may be worthwhile if you drive a newer or high-value bike.
Collision coverage	Covers replacement or repair costs if your bike has been damaged in a collision.	You get hit by another rider and mess up your back tire. 21st Century will pay for repairs.	No	Though not required by law, it may be worthwhile if you drive a newer or high-value bike.
Uninsured motorist coverage	If you’re hit by an uninsured or underinsured driver, this coverage pays for medical expenses, loss of wages, and bike repair.	You get hit by a driver who doesn’t have insurance or lacks the necessary funds. 21st Century covers your expenses up to your policy’s limits.	No	Maybe. UIM is required by law in some states.
Medical payments	Regardless of who’s at fault, this coverage will pay for the medical expenses of you and your passengers.	You and your friend fall off your bike and both sustain serious injuries. 21st Century will pay both your medical bills up to your policy’s limits.	No	Not required. But if you don’t have health insurance, this may be a good option.
Personal injury protection (PIP)	Like medical payments, this coverage will pay for the medical expenses of you and your passengers—no matter who is at fault.	You turn a corner too fast and fall off your bike—which results in a broken arm. 21st Century will cover your medical bills up to your policy’s limits.	No	Not required. But if you don’t have health insurance, this may be a good option.
Modified vehicle insurance	Also known as customized parts and equipment coverage, MVI covers repair or replacement costs for any upgrades you’ve made to your bike.	You’ve added custom wheels to your bike that were just damaged in an accident. 21st Century will help pay to replace any custom part or modifications, not including the deductible.	No	If you’ve invested a great deal of money into custom upgrades for your bike, you should consider this coverage.
Travel expenses/travel interrupted coverage	Helps cover non-refundable expenses if a trip is canceled or delayed due to an accident, mechanical breakdown, theft, illness, and more.	Your bike breaks down in the middle of nowhere and you have to book a hotel room for the night. 21st Century will reimburse you for these unexpected expenses.	No	Not required, but worthwhile if you travel frequently.
GAP coverage	If you have a loan or lease on your bike, this covers the difference between what you owe on your bike and its current value in the unfortunate event of a total loss.	You total your bike in an accident before you’re done paying it off. 21st Century will help pay the difference.	No	If you’re still paying off your bike loan or lease, this coverage is a good idea.
Roadside assistance	Covers many emergency roadside assistance services, such as jump starts, flat tires, towing, lockouts, and more.	You’re on a weekend trip in Yosemite National Park and your bike breaks down. 21st Century will tow your motorcycle to the nearest repair shop.	No	Not required, but worthwhile if you travel frequently on the road.
Transport trailer coverage	Covers non-motorized trailers towed by a vehicle (valued up to $10,000).	Your motorcycle gets damaged while being transported on a trailer from one state to another. 21st Century will cover the cost of repairs.	No	Not required, but a great idea if you have a newer or high-value bike that you frequently transport.

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How to save on 21st Century motorcycle insurance

Are you worried that motorcycle insurance will cost you an arm and a leg? No problem—21st Century offers tons of discounts that can help take the stress off your wallet when it comes to motorcycle insurance, including:

Multi-vehicle discount: If you have more than one unit insured on the same policy, 21st Century will give you a discount on your policy for that.

Multi-policy discount: If you also have auto insurance or

homeowners insurance

through 21st Century, this is an easy way to save on all your policies.

Endorsement discount: If you’ve fulfilled your state’s requirement and have a motorcycle endorsement on your driver’s license, you might get a discount on your premium.

Anti-theft device discount: If your bike is equipped with a qualifying anti-theft device, you could receive a discount on your current coverage.

Pay in full: Opt to pay for your whole annual premium upfront for a discounted rate instead of making monthly payments.

Safety course: Get a discount on your insurance rate when you take an approved motorcycle safety course.

Transfer discount: If you switch your motorcycle insurance from another company with no lapse in coverage to 21st Century, you’ll earn a discounted rate.

Responsible driver discount: If you’ve remained accident-free for a certain length of time, 21st Century may reward you with a discount on your premium.

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The cheapest motorcycle insurance companies

Considering that 21st Century is only available in California, you may have to look elsewhere for cheap motorcycle insurance coverage. But luckily, there are plenty of top providers that offer motorcycle insurance in most states! Here are our picks for every type of motorcycle owner:

Cheapest all-around insurance:

Progressive

(about $25 to $52 per month)

Cheapest insurance for collectors:

Nationwide

(about $49 to $55 per month)

Cheapest insurance for high-value bikes: Markel (about $35 to $69 per month)

Cheapest insurance for sport bikes:

GEICO

(about $28 to $51 per month)

Cheapest insurance for young drivers:

Dairyland

(about $22 to $74 per month)

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