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Find Motorcycle Insurance Agents in Rancho Santa Margarita, CA
Looking for a motorcycle insurance agent in Rancho Santa Margarita? Review the directory below to compare your options.
12 agents listed
Updated May 2026
Rancho Santa Margarita, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 12 motorcycle insurance agents in Rancho Santa Margarita, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Farmers Insurance - Renee Connell
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 888-6610
agents.farmers.com
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
Motorcycle insurance agents in Rancho Santa Margarita help riders find coverage that meets California state requirements. California law requires all motorcyclists to carry liability insurance with minimum limits of 15/30/5. Local agents can also help you add comprehensive and collision coverage to protect your bike on roads like Antonio Parkway or the 241 Toll Road.
What Does a Motorcycle Insurance Agent in Rancho Santa Margarita Cost?
Motorcycle insurance costs in California vary widely based on your age, driving record, bike type, and coverage levels. A basic liability policy for a standard cruiser might cost 300 to 600 dollars per year, while full coverage for a sportbike can range from 800 to 2,000 dollars annually. Riders in Rancho Santa Margarita may see slightly different rates due to local traffic and theft data. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the minimum insurance requirements for a motorcycle in California?
California requires all motorcyclists to have liability insurance with at least 15/30/5 coverage. This means 15,000 dollars for injury or death to one person, 30,000 dollars total per accident, and 5,000 dollars for property damage. Uninsured motorist coverage is not required but is strongly recommended.
Can I get motorcycle insurance if I have a DUI on my record in Rancho Santa Margarita?
Yes, you can still get motorcycle insurance with a DUI on your record, but your rates will be much higher. California law requires an SR-22 filing for DUI convictions, which your insurance agent can help arrange. Many insurers specialize in high-risk riders.
Do I need special insurance for a custom or modified motorcycle in California?
Yes, custom or modified motorcycles often need additional coverage beyond a standard policy. You should tell your agent about any aftermarket parts, custom paint, or engine modifications. Many agents in Rancho Santa Margarita offer agreed value policies to cover the full value of your custom bike.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.