What do you pay in motorcycle insurance?

Friend just insured his Hybusa @ State Farm for cheap. They only look at the displacement not the bike type.

Called State Farm and they quoted me $703 per year for the same coverage that Progressive quoted me for $4000. Huge difference.

MrRich said:

Called State Farm and they quoted me $703 per year for the same coverage that Progressive quoted me for $4000. Huge difference.

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Great...

Not bad at all, you guys ever try the smaller insurance companies?
These are good rates coming from State Farm, I know some people say how expensive they can be.

I use a company called AMIG. Its far less than whats listed here, but I'm in Utah with a very short riding season.

Good company though. They take my money, and I get back...well, they are legit, I hope!

Frggin High insurance

Proggressive quoted me $1800 a year full coverage for my 2013 ninja 1000, no tickets or accidents and have been driving for 15 years. I went to state Farm and full coverage there was only $550, I save almost $1500! Seriously proggressive is not the best in motorcycle insurance like they say they are, its good coverage and all and the medical is nice but hardly worth that kind of premium, Id go with State Farm. Shoot even Erie insurance, who doesnt normally do motorcycle policies, was able to get me to about $900, still way too high but half of Proggressive.

I just have the 250 insured now for $210.00 yr and if I go to a N1k it would be $840.00 yr.

State farm $319/6months full coverage $500 deductible....

AMIG is a good option. I'm probably the very best category of person to insure. 49, married, no accidents or tickets. Plus, 5 different driving certificates saying I'm safe.

Progressive tried to run up in me. Geico was horrible, too. AMIG was 340.00 per year. Less had I been able to find my Motorcycle safety card.

Progressive was 10 times that, for a ninja 1000.

First Progressive quote i received was $2800. but they didn't quote the N1000. Once that was corrected the second time around it dropped to $840.
Im also 45 married,kids etc so there was no reason for the original quote.

What woudl really make you angry is to see the rate of the z1000. Typically, its more in line with the 250 ninja price. All the plastic? OK, but the z would then grind metal parts vs plastic on ours. Wonder what costs more? a-holes.

I hate the use of the phrase "full coverage". Everyone says full coverage, but I can almost guarantee you're all either talking about state minimum coverage, or varying degrees of coverage and deductibles. And obviously rates are going to differ based on coverage levels and deductibles. Like many others that have already posted, progressive have me an outrageous quote, something like $3500. Got a quote from state farm that's $720/yr, $1000 collision and comprehensive deductibles, 100/300/100, and some underinsured and uninsured extras, I don't remember the $ values though.

And that wasn't a knock on anyone so far that's used that term. I just wanted to point out that saying "full coverage" doesn't indicate what you're actually getting, and therefore makes comparing rates difficult. All State's website probably does a better job detailing what I attempted to describe in my post above: What Is 'Full Coverage'?—Allstate

AMIG actually dropped my rate for the second year, down under 300 for the year....Not as awesome as it sounds as Utah's riding season is measured in hours, not days! Then again, Flow wanted to work me over with a strap on....

Not only is "full coverage" a very vague term, but other rating issues (age, location, married, credit score, home ownership, etc.) make it almost impossible to say that just because I got the best rates from GEICO, that someone else would too.

Unfortunately, as an attorney, I see that the cheapest rates are not necessarily the best thing to go for --- unless you can guarantee you'll never be in an accident. Some insurance companies go way out of their way to deny claims. Good claims handling should be a factor in which insurer you go with.

Warprints said:

Not only is "full coverage" a very vague term, but other rating issues (age, location, married, credit score, home ownership, etc.) make it almost impossible to say that just because I got the best rates from GEICO, that someone else would too.

Unfortunately, as an attorney, I see that the cheapest rates are not necessarily the best thing to go for --- unless you can guarantee you'll never be in an accident. Some insurance companies go way out of their way to deny claims. Good claims handling should be a factor in which insurer you go with.

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Exactly. Need to know coverage+deductible to compare prices. Also, I've found that the additional premiums for better coverage is minimal.

In my case .. I'm a 41 y/o married male with outstanding credit and two accidents, no tickets, and get various multi-line discounts (car, mc, home-owners, umbrella, etc). I'm with State Farm.

On the Ninja I pay $332/year for $250k/$500k/$100k and $250k each under/uninsured. $1000/$500 deductible.

For comparison on the FJR1300 I pay $197/year, and the SV650 $178/year.

Keep in mind this in Minnesota, where we have low crime, long non-riding winters, and not many curves.

My $20k BMW R1200GS was 25% cheaper to insure than my $11k Ninja! And that was full comprehensive cover! Ninja riders must be in a really bad hi risk group - hp is almost the same on both bikes.
I now pay $800 comprehensive a year for the f800gs and the ninja 1000 with a $1000 deductible with geico.

Progressive classifies the n1k as a super bike. Dairyland classifies as a sport tour My insurance for full coverage was about 300/year (47 and married).

%^&@ Progressive! I'm 40 with no tickets or accidents and they told me 1000 down and $500 a month. I hung up on them and removed my cars as well and went with a small town insurance company. I pay less than $150 a month now for full coverage on my auto and motorcycle