From our East Side office at 25 N. 14th St., we insure San Jose riders — cruisers, sport bikes, sport-tourers, and dual-sports. As an independent broker we shop carriers like Dairyland to fit your bike, your record, and your budget.
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No broker fees on standard policies · Bilingual · Se habla español
Mon–Fri 10am–6pm · Sat 10am–3pm · Se habla español
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A San Jose rider needs, at minimum, California liability insurance on every registered motorcycle — 15,000 dollars bodily injury per person, 30,000 dollars per accident, and 5,000 dollars property damage — but almost no Santa Clara County rider should stop there, because medical bills from a motorcycle accident on Highway 101 or I-280 can pass the 15,000-dollar floor inside the first hour at the hospital. From our East Side office at 25 N. 14th St., we build the rest of the policy around how you actually ride: liability limits sized to protect your assets, comprehensive and collision if the bike is financed or simply worth protecting, medical payments for sub-deductible scrapes, uninsured-motorist coverage for the many under-insured drivers on South Bay freeways, and accessory coverage for anything aftermarket.
As an independent broker rather than a captive agent tied to one company, we shop carriers — Dairyland is our workhorse motorcycle market, with Foremost for classic and custom bikes and bundle options where they fit — to land the right coverage for your bike class and record. A clean 45-year-old commuter on a garaged cruiser and a 24-year-old on a 600cc supersport are priced very differently, and we ask what you ride before we quote it, in English or Spanish.
Bodily injury and property damage if you cause an accident in San Jose. State minimum is 15/30/5; most Santa Clara County riders carry higher.
Theft, vandalism, fire, and weather damage to your bike — important for street-parked machines on the East Side and downtown.
Repairs or replaces your motorcycle after a crash, regardless of fault. Usually required if the bike is financed.
Covers rider and passenger medical costs for the sub-deductible scrapes-and-bruises that don't justify a full liability claim.
Protects you when an at-fault driver on 101, 280, or 880 has no coverage or too little — a real exposure in dense South Bay traffic.
Extends protection to aftermarket exhausts, ECU, suspension, paint, and custom work that a base policy won't fully cover.
San Jose riding is shaped by the South Bay's geography: long freeway commutes up the 101, 280, and 880 corridors, year-round riding weather that keeps bikes on the road more months than most of the country, and a dense mix of riders — Silicon Valley commuters threading traffic to Santa Clara and Sunnyvale, weekend riders heading for the Santa Cruz Mountains and Highway 9, and East Side households where a motorcycle is the primary commute vehicle. Each of those use patterns is rated differently, and being honest about yours at quote keeps a claim from being disputed later.
Two factors move a San Jose premium more than the address itself. First is bike class: carriers price supersport machines (R6, GSX-R, CBR, Ninja in higher displacements) well above cruisers and standards (Harley, Honda Shadow, Yamaha V-Star) for the same rider, because the loss data on accident frequency and severity is genuinely different. Second is use: a motorcycle commuted more than four days a week through Santa Clara County rush hour rates higher than a genuinely leisure-only bike, because exposure miles and traffic risk are higher. We sort out which bucket you're in and quote it straight.
Commuting through Milpitas, Campbell, and Sunnyvale also means sharing the road with the same under-insured drivers our auto clients deal with, which is why we push uninsured- and under-insured-motorist coverage harder for South Bay riders than the bare minimum a quote engine defaults to. If you ride year-round here, that coverage is doing more work than almost any other line on the policy.
Our San Jose office is at 25 N. 14th St., Suite 125, on the city's East Side — a part of San Jose with a large, long-established Latino community, which is why our agents work bilingually in English and Spanish. You can walk in, call, or start online; unlike a remote call center, we're a physical office that serves Santa Clara County riders and can pull a real Dairyland number on your specific bike in minutes.
We're open Monday through Friday, 10am to 6pm, and Saturday from 10am to 3pm — the Saturday hours matter for riders who work all week and want to sort coverage before a weekend ride. From the East Side we serve riders throughout San Jose and the neighboring municipalities of Santa Clara, Milpitas, Sunnyvale, and Campbell. There are no broker fees on standard policies, and we accept ITIN numbers and don't ask about immigration status — every California rider has the right to be insured. For the full breakdown of what coverage actually costs across bike types and rider profiles, see our California motorcycle insurance cost guide.
Bring your bike's year/make/model/CC and we'll run a Dairyland number from our East Side office — most clean riders bind same day.