Hi.Interesting that people here don't mention the type of coverage they have. Coverage goes way beyond Liability or Full. The amount of coverage is a major factor, and often quotes that are really low, aren't covering much, or they have very high deductibles. Comparing nothing but cost between companies without full disclosure of the coverage means nothing.
I pay $334.49 USD annually on my 2001 CBR929. Here is what I get from State Farm
Bodily Injury and Property damage liability: 100/300/50
These numbers are important and can often be much lower to make insurance seem cheaper. These mean I have coverage of $100,000 bodily injury liability insurance per person, $300,000 total bodily injury liability insurance per accident, and $50,000 property damage liability per accident.
Medical Payments Coverage up to $1000
This is used to cover any co-pays for my own medical expenses
Comprehensive coverage with $100 deductible
This covers damage to my bike in an accident where I have hit another vehicle or object
Collision with $250 deductible
This coverage is damages or loss of my bike to anything other than a collision (theft, fire, vandalism, weather, etc..
Uninsured Motorist coverage 25/50
This covers me in cases where an uninsured motorist is at fault. This basically takes the place of the liability insurance they should have had. It covers up to $25,000 bodily injury coverage per person and $50,000 bodily injury per accident as well as $10,000 property damage coverage
I notice that insurance is a big difference between countries.
If you insurance a bike in Sweden it is just about the bike.
Then on side i have Life insurance and other part on separate insurance.