From our San Rafael office at 9 Vivian St., we insure Marin riders — touring bikes, sport-tourers, cruisers, and ADV machines built for the coast and the canyon roads. As an independent broker we shop carriers like Dairyland to fit your bike and your budget.
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A San Rafael 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 Marin County rider should ride on the floor, because the kind of riding Marin invites (the Highway 1 coast, the canyon roads off Mount Tamalpais, the climbs toward Point Reyes) carries enough exposure that a single hospital bill can pass 15,000 dollars in an afternoon. From our office at 9 Vivian St. in San Rafael, we build the policy around how you actually ride: liability limits sized to protect your assets, comprehensive and collision for a bike worth protecting, medical payments for the sub-deductible spills, uninsured-motorist coverage, and accessory coverage for touring gear and aftermarket work.
As an independent broker rather than a captive agent tied to one company, we shop carriers — Dairyland is our workhorse motorcycle market, with other carriers for touring, classic, and higher-value machines — to land the right coverage for your bike class and record. Marin skews toward touring, sport-touring, and adventure riders rather than the supersport-commuter mix you see in denser cities, and the bikes tend to be higher-value, which makes comprehensive, collision, and accessory coverage matter more here than the bare liability minimum. We ask what you ride before we quote it, in English or Spanish.
Bodily injury and property damage if you cause an accident in Marin. State minimum is 15/30/5; most Marin County riders carry higher.
Theft, vandalism, fire, and weather damage — including the coastal damp and salt air that wear on a Marin-garaged bike.
Repairs or replaces your motorcycle after a crash, regardless of fault. Worth carrying on the higher-value bikes common in Marin.
Covers rider and passenger medical costs for the sub-deductible spills that don't justify a full liability claim.
Protects you when an at-fault driver on Highway 101 or the canyon roads has no coverage or too little.
Extends protection to touring gear, hard luggage, exhausts, and custom work a base policy won't fully cover.
San Rafael riding is shaped by Marin's geography, and it's a different world from valley or city riding. The draw here is the road itself: the Highway 1 coast, the twisting climbs around Mount Tamalpais, the runs out to Point Reyes and up through Novato toward the wine country. That's destination and weekend riding more than daily commuting, which is its own rating category — a genuinely leisure-used bike often prices better than a daily commuter, and being honest about your use at quote keeps a claim from being disputed later. The flip side is that canyon and coast riding carries real curve-and-speed exposure, so under-insuring the liability and medical lines is a poor trade for a Marin rider.
Two factors move a San Rafael premium more than the address itself. First is bike class: carriers price machines by the loss data behind them, so a sport-tourer or an adventure bike used for canyon weekends rates differently than a supersport, and Marin's typical mix leans toward the touring and ADV end. Second is bike value: Marin riders tend to own higher-value touring, BMW, and premium machines, which pushes the comprehensive and collision side of the premium up and makes accessory and agreed-value considerations more important than they'd be on an entry-level commuter. We sort out the class and the value and quote it straight.
The Highway 101 corridor that runs through San Rafael, Corte Madera, Mill Valley, and Novato also carries the same under-insured drivers our auto clients deal with, which is why we press uninsured- and under-insured-motorist coverage for Marin riders rather than letting a quote engine default it down. On the kind of higher-speed canyon and corridor riding Marin invites, that coverage is doing more work than almost any other line on the policy.
Our San Rafael office is at 9 Vivian St. — a physical office serving Marin County riders, not a remote call center. You can walk in, call, or start online, and our bilingual agents work in English and Spanish, which matters for the Latino community across San Rafael's Canal neighborhood and greater Marin. We 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 weekend riders who want coverage sorted before a Sunday run up the coast. From Vivian St. we serve riders throughout San Rafael and the neighboring Marin communities of Novato, Corte Madera, and Mill Valley. 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 Vivian St. office — most clean riders bind same day.