hey I'm not in la but I'm in nyc. I'm using USAA pretty much minimum coverage is 800 a year but if i add fire and theft protection it jumps up to 8000 a year. it wasn't a fluke either cuz i tried gieco, allstate, state farm. all of them were like this. i believe its cuz of how expensive the motorcycle is and its treated at the highest class so by adding fire and theft protection on it the price sky rockets.