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Discussion Starter · #1 ·
I just renewed my gieco insurance. To insure both my bikes for one year fully comprehensive with $1000 deductible it was:
2013 BMW F800GS - $125
2012 Ninja 1000 - $560

How can the ninja be so much more expensive!!! The BMW was more expensive! I get the ninja is more powerful and thus maybe a little more to insure but over 4 x more expensive!! :confused:
 

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I found the same thing & even reminded Progressive I'm just short of 70 years old. I think we can blame all the young squids on the zx6's & 10's for that. Once you've got Ninja in the bike type, rates are outrageous.
 

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I have insurance with State Farm. With $500 deductible and full cover i pay $249 for six months.
 

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Yikes. Full coverage and $500 deductible for me here in Omaha, NE is $430 a year. I don't think that's too bad considering I was paying over $700 a year for my Concours 14. It's a lot compared to my previous Sprint ST at $275 a year though.
 

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Guys, try AMIG. I dont work for them and have only one bike with them...my Ninja. By far, the best price around. 230, per year vs progressives 790 per, for me.
 

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Everything depend on the persons driving history, tickets, insurance claim, gender, age. For example. I have over 10 years without ticket infractions or any accident. I am 37.
 

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Discussion Starter · #7 ·
Everything depend on the persons driving history, tickets, insurance claim, gender, age. For example. I have over 10 years without ticket infractions or any accident. I am 37.
I'm married, no tickets, no claims for the last 8 years - In my mind the best it can get! but still over 4 x more to insure the ninja over the F800gs and when I had my r1200gs!
 

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I checked around with a number of insurers last year when we got pissed with State Farm on the "hidden" cluses with our house insurance. Even bundling our (one) car (at the time - a '13 Hot Wheels Camaro convertible), house and my N1K, they way the bike was treated varied considerably, from $500 - $1000 approximatlely. I'm 44 but with a limited insurance history as I have only been in country since late '12, although most companies give me a riding record based on my UK license going back to '96! It has been very confusing, in the end we went with Liberty Mutual, although the bike element was more than AAA due to the overall package!
 

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Guys, it's a Ninja sport bike. The name alone strikes fear in the heart of every insurance agent.

I also own an '05 Honda ST1300. The insurance for that bike, with all of its tupperware, electrically adjustable windshield, crosslinked brakes, etc. etc. is less than half what my '15 Ninja costs.
 

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I'm with state farm and the rates are reasonable. The ninja costs $350/year, the FJR $280/year, and the SV650 $180/year. All in proportion to their values; no surprises there.
 

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I've got National General (former GMAC) and my '14 Ninja 1000 costs the same as my Suzuki TU250X. I don't have full coverage because I wrote a check for this bike and if I wreck it hard enough, my wife will be writing a check for rectangular wooden accommodations. I can handle lesser financial costs.
 

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Just got my quote and it will be $35.84/month with full coverage from State Farm. Progressive was awful. Wanted $1900/yr for the same coverage.
 

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Just got my quote and it will be $35.84/month with full coverage from State Farm. Progressive was awful. Wanted $1900/yr for the same coverage.
Progressive sucks. I got quotes from them 3 times in 2 different states for 2 different motorcycles. Their coverage sucks for the price you pay and they're typically twice as expensive as most other insurance providers (for me anyway. YMMV).
 

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I sort of stay out of these things because insurance is a family business.

With that said, my brother is an agent and he hunted down insurance for my n1k (and his n1k) and found that several providers were classifying our sport touring as full sport. This greatly impacted the rates.

He was able to find a company called dairyland (of all things) that sells full coverage for a bit over 300 per year. If you want to contact my brother you can reach him at: Chad Kelly - 330.929.3050. He has a limited region he can sell too (like ohio) But dairylandcycle.com is the win. Tell him Gary sent you.

Good luck, your price may vary based on your history and demographics.
 

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I had Dairyland once. Good to deal with after I lost my bikes in a house fire. Reasonable prices too. Honestly I don't know why I'm not still with them. I'm just lazy I guess.
 
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