how much is motorcycle insurance

.OrgOwner · 07-09-2007, 1:42 AM

You can save a lot of money by shopping around on your motorcycle and general insurance, here you can find out what our members are paying and who is looking after them!

Post how much you pay for motorcycle insurance per year in this thread. Lets see who is giving out the best deals to the riders.

*No links to insurance websites please.

dattaway · 07-09-2007, 2:09 AM

I think State Farm is squeezing my wallet for $70 a year for liability on my cbr600f4. They are ripping me off to the tune of $300 a year for full coverage on my cbr1000rr. I hope Geico and Progressive can give me lower rates.......

*slorider18* · 07-09-2007, 2:22 AM

i love my state farm rep for giving me full coverage with a 500 deduct on my 98 cbr 600F3 for only $27 a month. i have looked around. everyone else was at least three times higher for the same coverage.

tootall · 07-09-2007, 2:36 AM

too much!

LITEITUP · 07-10-2007, 3:11 PM

Originally Posted by dattaway

They are ripping me off to the tune of $300 a year for full coverage on my cbr1000rr.

Sweet baby jesus! I wish I could get that kind of deal! I go through Progressive. On the 954 I pay $456 a year for liability. They want $3200 a year for full coverage, which obvliously is out of the question. I only have 6 points, I think.

edp · 07-10-2007, 3:32 PM

With a 30% no claims I pay $500 per year, 3rd party only - Like everything else in the islands, it's expensive.

ConqSoft · 07-10-2007, 3:34 PM

For full coverage, $500 deductible, 100/300. Here in NC, State Farm bases it on CC's and the value of the bike.

'07 ST1300: $58.29/month
'03 CBR 1100XX: $44.54/month
'03 CBR 600RR: $40.70/month

kesmo1425 · 07-10-2007, 3:43 PM

Im paying about a $100 with liability only through nationwide on my 954, this was the cheapest I could find in cali after calling those ins bastards for a week.

slickwill · 07-10-2007, 3:47 PM

I pay $387 a year to Progressive for comprehensive and liability. Liability only was $110 a year. No collision. That made it about $1100 a year. For a $5000 bike that seemed silly. I'll keep the extra and save it. I have no points and also insure my cars with progressive.

ezekiel808 · 07-10-2007, 4:51 PM

492/year full coverage with state farm for my 954. i was surprised, i thought as soon as they heard it was a "900cc sportbike" they would stick it to me!

cheers

Ol' Gravy Leg · 07-10-2007, 7:25 PM

Looks like I'll hit up state farm for a quote. What's the best way to contact them? Initiate a quote from the their website?

Full coverage is defined as liability, collision, and comprehensive, right? (where the optional deductable applies to the collision, correct?)

hey ezekial, is that otown, CA? or otown, FL?

DemonRR · 07-10-2007, 10:39 PM

state farm--

30 yrs old, 1 ticket, no medicle (i have bc/bs), $1000.00 in aftermarket mods (but im WELL beyond that already), $1000 comp/collision = $642.00 a year.
2004 1000rr

m0nSteR TwIn · 07-11-2007, 12:52 AM

The vast majority of insurance companies in my part of the world will not write a policy on a sport motorcycle at all. Those that do usually require that you insure a car as well. I got lucky when I found a company that would take me for full coverage at $1080/year. They did stipulate that I must have an alarm system to qualify for theft/vandalism though.

What gets me is that I get the same driver rating as an 18 yr old rider with his license for one year. I have been accident and conviction free for 10 yrs and licensed for 17 and it means nothing.

stegen · 07-11-2007, 1:49 AM

2003 VFR. State Farm. $1000 Deduc. Full coverage. $14/month $168/year

ezekiel808 · 07-11-2007, 6:30 PM

Originally Posted by Ol' Gravy Leg

Looks like I'll hit up state farm for a quote. What's the best way to contact them? Initiate a quote from the their website?

Full coverage is defined as liability, collision, and comprehensive, right? (where the optional deductable applies to the collision, correct?)

hey ezekial, is that otown, CA? or otown, FL?

Im across the field in Orlando

pizzaboy · 07-11-2007, 7:53 PM

I got Rider Insurance Company... for 2001 929 they wanted $1289 full coverage.... so I just got liability for $152 a yr... Geico want like 375 for liability and like 1400 for Full.

HCCAFan · 07-11-2007, 8:34 PM

Geico gets me for about 450 a year for full coverage on my 1000. They said it would be about 385 for a GSX-R750.

Dangerous Dan · 07-11-2007, 9:00 PM

I'm 25 with one ticket $1800/year for full coverage with $1000 deductables from Progressive I only keep full coverage through the riding season liabilty is 210$/year.
MY buddy is 27 and pays 1600/ for 03 rc51 with progressive.

flasher2001 · 07-11-2007, 10:14 PM

'07 ZX-14 = $578/year

full coverage with NC Farm Bureau

*slorider18* · 07-12-2007, 1:06 AM

Originally Posted by Ol' Gravy Leg

Looks like I'll hit up state farm for a quote. What's the best way to contact them? Initiate a quote from the their website?

Full coverage is defined as liability, collision, and comprehensive, right? (where the optional deductable applies to the collision, correct?)

hey ezekial, is that otown, CA? or otown, FL?

i have my car, renter's insurance and my life insurance with them, had the same agent for 9 years. just look up your local agent in the yellow pages. as conq said. they go of the the engine size not bike type. so a 1000rr is cheaper than an 1800 vulcan. go figure. for everything listed above and my bike i pay 130 a month. not bad says i.

soon2b954 · 07-12-2007, 8:00 PM

You really don't won't to know how much we pay up here.......................

birdmfc · 07-13-2007, 2:29 AM

State Farm, both wife and I r 33

06 1krr = 682.44year $1000 deduct
06 600rr = 432.44year wife's $1000 deduct

giza · 07-13-2007, 9:15 AM

here in OZ im paying $1200 AUS a year.
Probably been ripped of but i get agreed value(includes any mods)

Ol' Gravy Leg · 07-13-2007, 6:03 PM

Thanks for your help guys, here's what I got:

state farm quoted me 150/yr for liability and 218/yr for comprehensive.

online from Progressive was $100/yr for liability (minimum for CA); so i went with them. don't about customer service, but it was soooo easy to purchase online. and you even print out a temporary insurance card.

i'm going to try to add on comprehensive (lot of peace of mind for $200!), but i don't know if purchase it seperately, say from state farm--who i know is more reputable.

dattaway · 07-14-2007, 8:39 AM

Let me tell you about Progressive. They gave me low rates until the only thing I did was move. With a perfectly clean record, they decided it was time to take my $62 a year liability to several hundred something a year. Full coverage was a cool $3000 a year. I called up State Farm and they are now charging me 1/10th what Progressive and Geico will do.

A few months into my policy, State Farm had the nerve to send me a refund check, because they claimed I was paying too much. And the following years, they kept reducing my rate. Bastards.

Tornado bait · 07-14-2007, 10:55 AM

$0.0 my bike is track only.

slickwill · 07-14-2007, 11:59 AM

Originally Posted by dattaway

Let me tell you about Progressive. They gave me low rates until the only thing I did was move. With a perfectly clean record, they decided it was time to take my $62 a year liability to several hundred something a year. Full coverage was a cool $3000 a year. I called up State Farm and they are now charging me 1/10th what Progressive and Geico will do.

A few months into my policy, State Farm had the nerve to send me a refund check, because they claimed I was paying too much. And the following years, they kept reducing my rate. Bastards.

I got it the other way from Progressive. When I moved from Idaho to Iowa my bike insurance was cut in half.

*slorider18* · 07-14-2007, 1:27 PM

Originally Posted by dattaway

Let me tell you about Progressive. They gave me low rates until the only thing I did was move. With a perfectly clean record, they decided it was time to take my $62 a year liability to several hundred something a year. Full coverage was a cool $3000 a year. I called up State Farm and they are now charging me 1/10th what Progressive and Geico will do.

A few months into my policy, State Farm had the nerve to send me a refund check, because they claimed I was paying too much. And the following years, they kept reducing my rate. Bastards.

i just got my refund check too. $40 in the mail just like that. and it was regarding my motorcycle policy. that's one free month. and a tank of gas. sounds good to me.

Phadreus · 07-14-2007, 8:21 PM

$425 anually through Erie Ins for full coverage on my 954. Looks like there is a benefit afterall to being old and married! LOL

Hammer · 07-15-2007, 12:55 AM

Originally Posted by Tornado bait

$0.0 my bike is track only.

Same here

But when I did have my 954 on the street. I was with Farm Bureau and paid almost $800 a year for full coverage 100/300/100 same as my other vehicles. I checked other companies, all were higher except State farm who was cheaper on my bike but higher on all my other stuff. Progressive wanted $4,300 a year.