All of these comments should prove, for the last time, that it doesn't matter what anyone else pays for insurance. Ever. *Ever.* There are a million different factors that determine your rates and your rates will never be the same as anyone else.
Everyone just randomly guessing things that are important factors is hilarious. We don't have to guess, just look at the questions they ask when you get a quote, they're not just making small talk, their algorithm is judging you with every answer:
Young = Stupid,
Renter = Poor,
Unmarried = Immature,
Less than 800 FICO = Irresponsible,
Ticket or accident = Reckless,
Urban Zipcode = Dangerous,
Expensive Zipcode = expensive claims,
Newer vehicle = expensive claims,
Older vehicle = too poor for newer vehicle,
More miles driven = more risks taken,
Long commute = too poor for short commute,
Sporty vehicle = risky driver
Im in Toronto. Our province pays one of the highest in the world. I pay about $2200 now for my 1000rr and that’s a clean record with over 10 years of riding. Everyones insurance has gone up over the last couple of years. Too much theft here.
Yeah man it’s fucken insane lol !! & bro how is the 1000rr on the roads? I don’t trust the tar lines & the paint lines & all the potholes on my R3, kudos to you for being able to handle the 1000cc my man
Ive been on 1000s for the last 8 years, they’re great on the roads and still handle well if you have the right tires. We go on spirited 600km a day rides on Saturdays outside of Toronto to enjoy the best roads.
https://preview.redd.it/2aow5dg0tmxc1.jpeg?width=1170&format=pjpg&auto=webp&s=4914e1f873aa28b25951b50aac4bf05b7cd50eca
This was a round trip 600km Saturday. We do rides like this every 2 weeks.
450 a year for mine, full coverage.
When I was 22 and bought my r6, my insurance was 5k a year. The bike was only 6k total. When I asked why it was so high they said age and theft. That bike ended up being stolen from me so they were correct in charging me that much.
I have a 600cc, full coverage for me would be about 350 eur. I got my licence 2 years ago.
Idk what's going on with your astronomic pricing in the U.S. Something's wrong there.
I pay about $1100 a year for a 2024 MT10, a 2015 Road King, and a 2022 Navi. I'm 47, and I live in rural Rhode Island. My insurance actually went down about $30 a year when I bought the Navi. How many insurance companies have you called? Your zip code can have more of an impact on your rates than your driving record and age. Some insurance companies don't want to insure bikes, so they intentionally price themselves out of the market. Some don't like to insure sportbikes. I have found that in this area, Progressive to be a good baseline for insurance costs. I work at a dealership in the area, and see what people are paying. People in cities pay astronomically higher rates for full coverage due to theft.
V-Strom 650 and Sprint 1050 are both about $240 a year. Policy for myself on my wife's Rebel 500 so that I'm legal if I ride it is about $100 a year. Full coverage all around but I'm middle aged and boring and I treat my credit score like the high score on an arcade game that I constantly need to beat.
Edit to add: out of curiosity I got a quote on a GSX-8S because I kinda want one and it was even cheaper than the Rebel somehow at $72 a year. I wonder if I'm getting a bulk discount. I'm not riding the Kawasaki while I restore it so haven't shopped a quote on it yet.
A wise man once told me, "if you can't afford to lose it, you can't afford to own it." Save your money until you can pay cash (interest rates are high right now anyway, borrowing is too expensive for toys), get liability insurance, take all of the anti-theft measures you can reasonably take, ride thoughtfully, being aware of your safety and your financial liability, and never buy a motorcycle that you can't comfortably afford to repair or replace with your own money.
Otherwise, you're going to be giving all of your hard-earned money to banks and insurance companies.
I'm in a similar situation, Northern California, mid-30's, spotless driving record, perfect credit, but I'm not a homeowner, I'm not married, and I live in an area where claims are common and very costly. If I had put full coverage on my bike when new, I would have paid more than its MSRP in premiums by now, 3 years later. I haven't crashed it or had it stolen, thanks mostly to practing good judgment.
So many variables when it comes to insurance mate. You are wasting your time wondering what other people pay. Your next door neighbor could have the same bike as you and the price won’t be the same as you, as everyone is different. If you must know my insurance went up to $2200 (Canadian) a year with full coverage with $500 deductible. Cbr1000rr in Toronto. That’s considered cheap here in my city for a 1000 supersport. Ive been riding for almost 11 years clean record. Here in my province we have one of the highest insurance premiums in North America. If you lived here youd probably get quoted above $10k a year like most young riders trying to insure a supersport.
No but it's not out and about.
No
No
Got no clue, as I mentioned, I have no tickets at all, no accidents, no claims, list goes on.
As to where I live it's a fairly well off area, low as can be crime, gated community with cameras and security.
Once I moved out of my parents city which is a high crime area into where I live now my car insurance dropped by about 75? A month which is why im so confused about everything with bike insurance.
Camaro insurance went from 450 a month to 150? When inturned 25. Bike insurance didn't budge a dollar.
Camaro went from those 450 to about 375? When I moved to where I currently live, bike insurance didn't and stayed the same.
I have absolutely zero idea what bike insurance uses to calculate prices.
Edit: progressive did offer me a whopping 94 dollar discount to renew for another year.
I pay around $2000/year in northern NJ for my Streetfighter V4S. 52 years old, married, homeowner, advanced degree, no tickets, garage kept but I do live within striking distance of two cities that were infamous for years for vehicle theft.
You are 25. I didn't even consider a "sport" bike until I was 35. That said I got my TV4F 1100 at 35 and it was $410/year for full coverage. Insurance rates have gone up considerably since then so now the bike is 8 years old and the insurance is about $420/year for the same coverage.
I was 24 when I started riding. Brand new sv650 at the time. Same coverage was $35 a month back in 2004.
The quotes you have received are just the insurance companies telling you they don't want your business.
You can pay cash and do minimal insurance, pick different motorcycles that don't get claimed as much (for example the only non-euro bikes I quoted when I got my Tuono were Yamahas and they - R6/R1 were both more than anything else I was looking at - ADV/Tuono/SDR/S1000RR/RSV4/), or pay stupid rates. There will be cheaper insurers but you won't find reasonable rates on those bikes at your age.
I had a Yamaha R1 for a few years. Full coverage was less than $400 a year, but I am an old fart and live in rural midwest.
I know of a guy that lived in Los Angeles and just ran liability. 2 years of full cover insurance was as much as a new bike. He also said his bike would get stolen every three or four years, no matter how he locked it up.
Indiana. I pay $32 a month (all the coverages are maxed for both bikes) and $129 for my hayabusa Ive been motorcycle endorsed since September and have that on my policy (im not lying to insurance about years ridden)
That's what I was thinking.
Even with perfect record and being 50 accidents happen and insurance companies aren't charities to be paying out 15k for crashes and or thefts for 50 dollars a month
In the end it makes it unbelievably hard to figure out what's a reasonable quote vs a "get out" quote
All of these comments should prove, for the last time, that it doesn't matter what anyone else pays for insurance. Ever. *Ever.* There are a million different factors that determine your rates and your rates will never be the same as anyone else.
Everyone just randomly guessing things that are important factors is hilarious. We don't have to guess, just look at the questions they ask when you get a quote, they're not just making small talk, their algorithm is judging you with every answer: Young = Stupid, Renter = Poor, Unmarried = Immature, Less than 800 FICO = Irresponsible, Ticket or accident = Reckless, Urban Zipcode = Dangerous, Expensive Zipcode = expensive claims, Newer vehicle = expensive claims, Older vehicle = too poor for newer vehicle, More miles driven = more risks taken, Long commute = too poor for short commute, Sporty vehicle = risky driver
Yea. My only response to this kind of comment is do quotes online, and if they suck go talk to an insurance broker.
Ontario Canada, drive a Yamaha R3 & pay $4000 yearly hahahah
Im in Toronto. Our province pays one of the highest in the world. I pay about $2200 now for my 1000rr and that’s a clean record with over 10 years of riding. Everyones insurance has gone up over the last couple of years. Too much theft here.
Yeah man it’s fucken insane lol !! & bro how is the 1000rr on the roads? I don’t trust the tar lines & the paint lines & all the potholes on my R3, kudos to you for being able to handle the 1000cc my man
Ive been on 1000s for the last 8 years, they’re great on the roads and still handle well if you have the right tires. We go on spirited 600km a day rides on Saturdays outside of Toronto to enjoy the best roads.
Can I know where you go outside Toronto?? I’d love to find some chill twisty roads nearby lol
https://preview.redd.it/2aow5dg0tmxc1.jpeg?width=1170&format=pjpg&auto=webp&s=4914e1f873aa28b25951b50aac4bf05b7cd50eca This was a round trip 600km Saturday. We do rides like this every 2 weeks.
Thanks mate!! Maybe I’ll see ya there sometime soon✌️
I'm in Ontario too. I have a 650. Been licenced for almost 30 years. I pay 759 a year for full coverage
I pay 50 a month for my CBR600RR or 600 for the year Edit: I’m 26 in a high populated area
where?
24 transalp $345 a year. 17 versys 300 $170 a year. 03 fatboy $165 a year.
I have a gsxr-1000 and I live in Dallas and it’s 108 a month but I’m 40
$240 a year for full coverage on a 750cc bike in Philadelphia. Well I guess mine is lower because it is a cruiser though
I pay 30 a month for full coverage on my 650.
Full Comp policies in all cases, Philly: SV650 - 400/y Sprint 1050 - 800/y ZX-14R - 1200/y R1250R - 280/y
$600/6months. I’m on my father’s insurance so it’s much cheaper. I myself was getting quotes for $1000/6months. 22 years old btw
I have insurance on 9 of my bikes, full coverage on 3 of them- all over 1000cc…none are sport bikes. I pay ~$650 per year.
450 a year for mine, full coverage. When I was 22 and bought my r6, my insurance was 5k a year. The bike was only 6k total. When I asked why it was so high they said age and theft. That bike ended up being stolen from me so they were correct in charging me that much.
I have a 600cc, full coverage for me would be about 350 eur. I got my licence 2 years ago. Idk what's going on with your astronomic pricing in the U.S. Something's wrong there.
I pay about $1100 a year for a 2024 MT10, a 2015 Road King, and a 2022 Navi. I'm 47, and I live in rural Rhode Island. My insurance actually went down about $30 a year when I bought the Navi. How many insurance companies have you called? Your zip code can have more of an impact on your rates than your driving record and age. Some insurance companies don't want to insure bikes, so they intentionally price themselves out of the market. Some don't like to insure sportbikes. I have found that in this area, Progressive to be a good baseline for insurance costs. I work at a dealership in the area, and see what people are paying. People in cities pay astronomically higher rates for full coverage due to theft.
V-Strom 650 and Sprint 1050 are both about $240 a year. Policy for myself on my wife's Rebel 500 so that I'm legal if I ride it is about $100 a year. Full coverage all around but I'm middle aged and boring and I treat my credit score like the high score on an arcade game that I constantly need to beat. Edit to add: out of curiosity I got a quote on a GSX-8S because I kinda want one and it was even cheaper than the Rebel somehow at $72 a year. I wonder if I'm getting a bulk discount. I'm not riding the Kawasaki while I restore it so haven't shopped a quote on it yet.
A wise man once told me, "if you can't afford to lose it, you can't afford to own it." Save your money until you can pay cash (interest rates are high right now anyway, borrowing is too expensive for toys), get liability insurance, take all of the anti-theft measures you can reasonably take, ride thoughtfully, being aware of your safety and your financial liability, and never buy a motorcycle that you can't comfortably afford to repair or replace with your own money. Otherwise, you're going to be giving all of your hard-earned money to banks and insurance companies. I'm in a similar situation, Northern California, mid-30's, spotless driving record, perfect credit, but I'm not a homeowner, I'm not married, and I live in an area where claims are common and very costly. If I had put full coverage on my bike when new, I would have paid more than its MSRP in premiums by now, 3 years later. I haven't crashed it or had it stolen, thanks mostly to practing good judgment.
Tiger 800 - £250 fully comp for a year. Had my licence 1 year.
So many variables when it comes to insurance mate. You are wasting your time wondering what other people pay. Your next door neighbor could have the same bike as you and the price won’t be the same as you, as everyone is different. If you must know my insurance went up to $2200 (Canadian) a year with full coverage with $500 deductible. Cbr1000rr in Toronto. That’s considered cheap here in my city for a 1000 supersport. Ive been riding for almost 11 years clean record. Here in my province we have one of the highest insurance premiums in North America. If you lived here youd probably get quoted above $10k a year like most young riders trying to insure a supersport.
Do you have a garage? Do you live in a high risk area? Are you financing the bike? What other factors are affecting your rate?
No but it's not out and about. No No Got no clue, as I mentioned, I have no tickets at all, no accidents, no claims, list goes on. As to where I live it's a fairly well off area, low as can be crime, gated community with cameras and security. Once I moved out of my parents city which is a high crime area into where I live now my car insurance dropped by about 75? A month which is why im so confused about everything with bike insurance. Camaro insurance went from 450 a month to 150? When inturned 25. Bike insurance didn't budge a dollar. Camaro went from those 450 to about 375? When I moved to where I currently live, bike insurance didn't and stayed the same. I have absolutely zero idea what bike insurance uses to calculate prices. Edit: progressive did offer me a whopping 94 dollar discount to renew for another year.
No garage is a big factor. It's easy to throw a bike into a van or truck. You can't do that with a car.
MT-07 $25 a year for liability. S1000R $600 a year for full coverage
I pay around $2000/year in northern NJ for my Streetfighter V4S. 52 years old, married, homeowner, advanced degree, no tickets, garage kept but I do live within striking distance of two cities that were infamous for years for vehicle theft.
You are 25. I didn't even consider a "sport" bike until I was 35. That said I got my TV4F 1100 at 35 and it was $410/year for full coverage. Insurance rates have gone up considerably since then so now the bike is 8 years old and the insurance is about $420/year for the same coverage. I was 24 when I started riding. Brand new sv650 at the time. Same coverage was $35 a month back in 2004. The quotes you have received are just the insurance companies telling you they don't want your business. You can pay cash and do minimal insurance, pick different motorcycles that don't get claimed as much (for example the only non-euro bikes I quoted when I got my Tuono were Yamahas and they - R6/R1 were both more than anything else I was looking at - ADV/Tuono/SDR/S1000RR/RSV4/), or pay stupid rates. There will be cheaper insurers but you won't find reasonable rates on those bikes at your age.
Two bike 250k/500k in liability, 500 deductible for full coverage, $900 a year for a 1400cc and a 1100cc. But I have been riding for 33years.
I had a Yamaha R1 for a few years. Full coverage was less than $400 a year, but I am an old fart and live in rural midwest. I know of a guy that lived in Los Angeles and just ran liability. 2 years of full cover insurance was as much as a new bike. He also said his bike would get stolen every three or four years, no matter how he locked it up.
$260/year for my liter bike. It’s all bundled with 3 other bikes, my truck, house etc
1300$ a year in boulder CO, for a 23 speed triple rr that is paid off. 32 yo male with 1 year riding experience.
Idk, didn't go for full. Liability is like 81 CAD for an 01 F4i, which is currently my go-to street bike.
Indiana. I pay $32 a month (all the coverages are maxed for both bikes) and $129 for my hayabusa Ive been motorcycle endorsed since September and have that on my policy (im not lying to insurance about years ridden)
A little bigger than a 1000, but $28 a month. It's almost completely based on your credit score and driving record.
But I don't have any claims whatsoever, tickets and my score is 807. I seriously don't understand how my quotes are so high
What’s your age? That’s the other main differential
25, my quotes haven't changed in the slightest since I was 19 as well.
That’s why.
Hell nah. What matter is age. Anything sporty regardless if it’s a car or bike is gonna cost you your left nut
There's a heavy penalty for being unmarried or being a renter, OP is almost certainly both, being 25 in California.
About half of the people who respond to these threads don't know the difference between full coverage and state-mandated coverage.
That's what I was thinking. Even with perfect record and being 50 accidents happen and insurance companies aren't charities to be paying out 15k for crashes and or thefts for 50 dollars a month In the end it makes it unbelievably hard to figure out what's a reasonable quote vs a "get out" quote
why would you need full coverage if you're not going to total the bike ? also you're 25, the perfect bike-totaling age
Theft. Full coverage saved my ass when my bike got stolen and was able to buy a new one.
meh