can i insure a motorcyle in california if the registration is not in my name

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Asked June 9, 2016

1 Answer


In short, the answer is yes. California is a state that allows non-owners to insure a vehicle. Sufficient coverage is generally more important than the actual name on the policy. With that being said, understand that the process isn't always black and white; there are grey areas. The challenge is often proving to the insurance carrier that you have an insurable interest in the motorcycle.

As an owner, interest is evident. If the motorcycle is totaled or vandalized, they suffer financial consequences. For this reason, an owner will keep the protection of the vehicle a top priority by driving safe and taking other necessary precautions. When you are not the owner, you are presumed to have no financial liability for the vehicle.

Some insurance companies consider this a risk because they fear you won't be as eager to protect the vehicle, causing them to decline coverage in your name. If you aren't able to secure coverage in your name, ask the owner to add you as a driver. The policy will be in their name, but you can assume financial responsibility of the payments.

Answered June 9, 2016 by teddyx

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