I have state farm. $40/month for full coverage. The nice thing about state farm is that they don't care if it's a sport bike, their pricing is based on engine displacement.

 

I'm in So. California and have the minimum legal required liability from McGraw's. I pay $80 per year.

 

a lot of people have the minimum but i would take a serious look into what that entails.

think about medical bills & if/or you have standard medical insurance if they have subrogation rights. also look into how your state deals with underinsured motorist.

usually going up a step or two in coverage is a minor increase in fees.

tim

 

I live in Ontario, I'm 57 and I have a clean driving record. I pay about $900 per year through Primmum. That's for $1,000,000 liability and other mandatory coverage. No fire and theft. I didn't know whether to laugh or throw up when I read that RK1 paid $80 per year.

 

LOL, I didn't know whether to laugh or cry! I'm out east, way east you and public liability for me is $211. Fire and vandalism is another $200 and another $80 for uninsured motorist. Collision would hit another $500 as well.

I may pass on the collision but given some of the comments here I'm definitely going to go beyond the basic $1,000,000 liability.

 

Are you in Ontario California or Ontario Canuckland? Must be Canada. Why would you need a million in liability? The VTR weighs 470 lbs. with a full tank of gas. If you hit something hard enough to cause $15k or $20k worth of damage, you'll be dead before your carcass takes its first bounce on the pavement.

 

I'm in the true North strong and free. I don't think you can buy less than $1,000,000 in liability but I stand to be corrected. The million could come in handy if I hit a crate full of highly trained peregrine falcons that fell off a truck while being transported to a Saudi prince. Could happen.

 

Ha! Not to hijack this vitally important insurance thread, but I actually know a dude here locally who does train these for stupidly rich oil sheiks. He says most of them have a private jet they send over just to shuffle the birds back and forth.

Now, if you were to somehow mistakenly driving the wrong way down a runway while one these jets was taking off with its feathered cargo, causing complete destruction of everything in sight...maybe the jet even skids into a tanker full of a few hundred thousand gallons of AV fuel that is sitting next to a crate with the latest NASA satellite in it...yes, you may need more than a $1M policy.

But then again, even if you lived, you'd probably be dead a short time later after the head honcho finds out his bird is reduced to original extra crispy style, so I'd just not bother.

 

Mine is $382 per year for 100/300 of liability and uninsured motorist from Foremost. That's about $32 per month. 28 yrs old, riding for 1 year. Sounds like I could do better.


I guess I don't mind much, as I ride it daily.

 

For comparison:

2003 SV1000S.
30 yr old rider, clean record, Connecticut resident.

50/100 bodily injury liability
50/100 passenger bodily liability
25000 property damage liability
50/100 uninsured (other driver) bodily injury
500 deductible collision
3000 optional equipment

$371 for full year with Dairyland Insurance.

I recommend the uninsured coverage for anyone in the area as insurance is not required for NH residents and they have some great roads.

Just mailed a payment yesterday and I'm watching it snow today. boo.

 

1999 Honda SH
23 yr old

minimum coverage through Progressive : $114 a year.

Can't beat that.

 

21 yr old with a DUI when i was 19

'01 superhawk
minumum Full Coverage 25k/50k 1k medical
$600 a year with $500 deductables (would have been over $1k/yr if i had gotten lower deductables)

but not for long... two speeding tickets in the last six months.. so it should go up to about $1000 a year

dont you feel better after reading how much i pay? lol



been riding for 6 years, but just picked up the shawk last year... DUI was in my pickup, hardly drink anymore, and never drink and drive...

 

I have coverage with Foremost Ins, a subsidiary of Illinois Farmers Insurance. Farmers won't cover sport bikes, so they do it thru Foremost. Not sure what the point of that is...
I have all my insurance with Farmers: Homeowners and 2 vehicles (an Accord and a Tocoma) so I have all the multiple discounts available.
When I first insured the bike, it was $1100 for the whole year in 2003. It had slowly decreased to $900 or so until last year when it dropped to $560.
Just paid this year's bill yesterday, and it's now $290.
Don't know why it's dropped, don't care why...

 

17/month for 500 deductible full coverage...State Farm. Went from 1200/year to around 200/year once I hit 25.

 

98 VTR. Ottawa ,Ontario Canada. 28 years riding .No accidents.Clean driving record. 968 $ full coverage for a year .State Farm......