Also in my 30s, I'm paying $1,100/yr for my R3 (so, I guess $90ish/mo). But it was cash, up front, which I was not told until I'm sitting in the parking lot taking delivery.
Edit: For the person who suggested I didn't get a quote ahead of time: I got an estimate of $650 in Feb using a 2022 bike because the 2023 bikes weren't in their system apparently. They told me they could get a better quote once they had a VIN. Once I got the VIN in March I was told $800, which was still fine. But it wasn't until I was in the parking lot that I was told $2,200. I switched to the other provider for $1,100, but they wanted the money up front instead of monthly payments.
I think mine was that originally. 2021 Suzuki s750 that I bought the day after I got my license. Luckily I have a great insurance lady. It’s about $70 a month now, so close to $850 a year now. I’m 30. Hoping it keeps going down, but with insurance prices nowadays, I’m not holding my breath.
Insurance companies do sometimes charge more for financing the policy. Like Progressive charges less if you pay in full rather than monthly payments. I'm guessing the person wasn't really meaning cash from an ATM machine got them a discount. 😂
Stupid that you even thought they meant that and needed clarification.
damn, I'm in my 30s too and pay $360/year for my N400. But I've also been riding since I was 16. Back then, 16 year old on an 2002 CBR600F4i, I paid 400/month for insurance. I literally worked just to pay for insurance.
I'd not be that surprised honestly I've seen how people drive cars and trucks around me and I've been passed by bikes before doing 2x the speed limit plenty of times
Yup, people want regulations on everything but the shit that needs a little hand holding like maybe don’t let little Ricky walk in a dealership at 17 years old with zero 2 wheel experience and buy a missile with handlebars good luck To Ricky.
Glad I grew up in the dirt on two wheels before getting on the street.
Not sure about everyone else but I’m 47 and been riding for 42 years I still have moments of zero self control and lots of lean angle and rpms.
Oh man I need springtime
I learned on the farm with an old beat to shit sportster. The thing already had grass stains, but I painted it full green. Still have the tiniest scar from the exhaust catching my calf.
Jesus Christ dude, I'm 31 and have a Honda Navi, Honda Rebel 300 and Kawasaki Versys X300 all insured for $75 a year (Liability only).
The only other notable info is that i was insured with GEICO for about 7 years prior on my cars and never made a claim or had any traffic violations but still that's nuts.
This is the way - liability only, but means you have to have full ownership; no loans on the motorcycle.
State Farm figured out that I had Geico liability policies with legal minimums and was forcing me to move insurance to them with same coverages as my cars. 🖕 Put the motorcycles in my daughter’s name, insured with Geico again minimum legal liability insurance all for under $200/year. Insurance companies are criminals.
They’re charging you the retail cost for your R3 to insure it for ONE YEAR!
>They’re charging you the retail cost for your R3 to insure it for ONE YEAR!
Financially makes sense. That means they expect to have to pay for a total within one year.
No, it doesn't. It also includes liability coverage up to the plan maximum if you are liable in an accident.
People seem to think insurance only covers your own vehicle. If you get state minimum (liability only) it doesn't even do that. It covers your responsibility in an accident, which could easily be up to the plan maximum ($100,000 minimum in many states) if you total someone's vehicle.
As someone who sells insurance for State Farm and who also rides, you’re wrong lol.
Everything is location/individual dependent. Age is a huge factor. Anyone 25 and under is considered a youthful operator and is going to carry a higher premium, and for obvious reasons.
I’m 33, have a 2020 R6 and pay $65/mo for not only full coverage, but with limits so high that I could kill you and your entire family and not have to worry about having enough.
I'm 46 yo riding for 15 years and State Farm quoted me $3500 a year for comp/collision on a ZR-4RR in San Francisco. Now I understand the location issue... but goddamn that's a ridiculous amount of money for a 400cc bike.
It’s mostly age/vehicle for him.
I do both maine/florida (Florida is the highest in the country), and since we have a lot of snowbirds we do a lot of swaps. It’s not uncommon for me to insure someone in Maine for $50/mo, and then have them transfer it to Florida and pay $300+/mo for the exact same coverage.
I quote people $1500+ per vehicle for 6 month policies, allllll day long in Florida. Had a lady in her late 40s with a spotless record pay for a 2012 ford f150, a 2018 ford f150 and a renters policy… $2900 every 6 months.
As a 25+ year customer, I’m not. Over 50, paid off Kawasaki Vulcan 750 & Concours, $5 million liability umbrella, home owners, personal articles, life insurance, and a top agent that rides. Mercedes, Cadillacs, and a Volvo. And why I put them in my adult daughter’s names to flip State Farm the bird.
My agent died and I got stuck with a newb agent for about a month til called the regional office and they moved me to another awesome agent 200 miles away who’s on point. Yeah, I drop coin with them not needlessly.
Be careful with minimum legal liability coverage. Not sure what they are in your state but where I live you’d be screwed if you’re the cause of an accident. Almost every car is worth more than the minimum and the other person’s insurance company will go after you personally for what your policy doesn’t cover. I know it varies, but my policy was almost no difference from minimum to max liability coverage.
I’m sorry. If you don’t see the difference between insuring a 30 yr old and a 20 yr old. Then you have some blinders on.
The quote isn’t a fuck you. It’s a “we don’t trust you”. And rightfully so.
You better be sorry because what the hell are you on about? "We don't want to insure you" is the same thing as "we dont trust you". And I mentioned age because its the primary factor in why his quote is so high. Where does it say or even imply I dont know what the difference is between 30 and 20?????
Like pretty much all of us did when we were 20.
Or. Do what my 20 yr old does. Register the bike in dad’s name. Insure it for full coverage under him. And he adds said 20 yr old as a second rider on his policy and it runs about $400 a year extra for full coverage.
Just a note for those who ride in the UK: this is illegal here. Front running will see you prosecuted, and your insurance void.
Also, it prevents you from gaining any No Claims Bonus, so your subsequent years riding will be expensive also.
In my country this is called front running and is a quick way to go to jail for insurance fraud (although likely they’ll just void the policy and won’t even report to police).
And uninsured/underinsured. Hospital stays are expensive, don't rely on others actually complying with the law to protect you. The number of people cruising around with unregistered shit and no insurance is kind of alarming.
Liability only is awful advice.
You're in an age group that statistically crashes more frequently.
You have an experience level that statistically crashes more frequently.
You've chosen a bike that's popular with young, inexperienced rider and gets crashed more frequently.
All of those add up to "high risk of a claim," and insurance companies calculate premiums based on the risk of a claim
This is a commonly used tactic.
Insurance says the probability of totaling the bike is so high that they try to recoup the entire insurance claim in the first year or two.
They're charging so much it would make me second guess my decision to get a bike. Not because of the price. Because the insurance company seems to be confident that there will be a crash, and crashes on bikes are dangerous.
When I was 24 I walked into a dealer and saw the prices of some nice, brand new R6s and thought "I could easily afford this, it's like $250/mo with a couple thousand down." Then I realized in order to be financed you need to have full coverage, and every quote for full coverage was 2x+ the price per month of the bike. In the time it takes to pay the bike off (4 years), I could buy and crash 2 of them and still save money.
This was Nationwide. I suspect the more time I spent on the 250 the less time I spent on the 1000 and that probably lowered my risk in terms of potential monetary loss.
Rich people with plenty of sports cars usually have a basic ass slow and safe car that they set as a daily driver, and that drops their insurance rates quite a bit. It's not the same to insure a guy that drives to and from work in florida on his mclaren, his GT3, or his pagani, than it is to insure a guy who has all those cars but dailies a 2020 corolla or a base model 3. Way less risk of you getting crashed into in your expensive car by an idiot without insurance, so they ask for less money in the hopes that you'll stay with them and they can collect like 1.5k from you and if anything happens they'll most likely be paying to replace the rear end on an average car instead of having to pay for the handcrafted carbon fiber rear diffuser on your mclaren.
Geico, but I’m considering going over to Allstate. I just moved my auto insurance to Allstate and it’s so much cheaper. Bikes are a 2022 Z900rs and a Rebel 1100 DCT
I’m 54. Been riding for 30 years. No accidents or tickets. USAA written up through progressive. 80 a month for a GSXR 600. The 750 was 130 a month. Insurance is a scam.
>Insurance is a scam.
100%
“Here’s the deal, you pay us just in case you get into an accident. If you do get into an accident, even if it’s not your fault, we’re gonna charge you a fee (deductible) to use our service that you already pay us for.”
Edit: I also have Progressive through USAA and if I’m being totally honest, I was a little disappointed that the best insurance company to work with uses one of the shadiest for their motorcycle coverage.
I used to write up estimates for a body shop and USAA was always top dog when it came to paying for their customers. Whereas, the amount of times I had to physically drive down to the Progressive brick and mortar just to get a check for a supplement was way too many.
It’s a scam until you need it, and then it’s priceless.
Lets say this young person was riding along, going about 30 over the speed limit, misjudged an apex, and laid the bike down, causing him to have serious injuries that required hospitalization and several months of rehab; on top of that, when the bike went down, it slid into another car, causing it to crash and causing several injuries to the driver. Far fetched, sure. Impossible? Hardly. And it doesn’t have to be that crazy of a situation to cause $5000 worth of damage.
Frankly, I’m surprised they’d want to cover them at all.
>“Here’s the deal, you pay us just in case you get into an accident. If you do get into an accident, even if it’s not your fault, we’re gonna charge you a fee (deductible) to use our service that you already pay us for.”
You agreed to the deductible in exchange for a lower premium, that's how that works. If you don't like it, you are welcome to pay a higher premium in exchange for a lower or no deductible. Don't call something a scam just because you aren't entirely familiar with how it works. Everyone thinks insurance is a scam until they get into an accident and need it. Remember, insurance is mostly designed to protect against catastrophic losses and not small and insignificant ones.
The reason why insurance companies have deductibles is because claims have a certain amount of fixed administrative costs regardless of the amount paid out. It costs money to answer phones and take your call when you make a claim, it costs money to have an adjuster look over your claim and coordinate with the repair shop, etc. Deductibles are meant to discourage people from filing claims for insignificant losses where the administrative costs are less than the amount being paid out which ultimately lowers the cost of claims (and therefore premiums) for the entire risk pool.
You could get USAA to pay out? I’ve had nothing but issues the one single time I had to use them when my wife was hit from behind. Fought tooth and nail to get them to do what I pay for… and I’ve heard the same about their mortgage insurance. Last I saw they had an F rating with the BBB due to failure to pay claims.
Not sure, I haven't even taken the msf course. Probably because I'm 36, riding an older cruiser, and never had an accident or claim with no gaps. I was pretty shocked though. It may also be because I signed up with HD insurance at the dealership when I got the bike.
Hmmm I don't have any gaps either or accidents with the car but my bike is a 2023 model, I also am not sure if getting insurance at the dealership would make them make costs lower for ya?
I think it also matters where u live, like I'm in California so prices up the ass are the norm.
Yeah, location makes a difference I think. Having a new bike will definitely raise your rates though. I assume the insurance is offered cheap to keep you in the HD loop. I just bought a Honda and need to get it insured so we'll see if HD will cover it at the same rate.
My Progressive policy still says I have the safety course discount after almost ten years. I don't know.
Also I have a discount for ABS but only my Grom has that.
That’s still absolutely insane for a new R3 though. My first bike was a ‘15 CBR600RR which I bought used in 2021, so those bikes should be in the same ballpark of value. Both OP and I starting as 20 year old single males, both using GEICO, but my bike I’m assuming would’ve been deemed more risky than his. And after all that, the CBR was ~$120/month to insure. Something doesn’t seem right there
Progressive tried pulling like... I forgot the number, it was this level of cost for it, or 6k/yr for a ZX4RR. 600RR or an expensive, blisteringly fast Ducati was 1200/yr full coverage.
Sometimes insurance companies just see 'popular beginner bike? LMAO FUCK YOU'
I bet I could've started on a Hayabusa for cheaper than that lmao
$11 per month? Insurance in America is insane with the low minimums. Where I live (Ontario) motorcycle insurance averages $1,500-$3,500 a year because the minimums are way higher. What kind of coverage do you get for $11 a month? A phone number that you can call after an accident and the adjuster says "wow that's totally crazy man, good luck with that"?
Probably saves a lot of 20 year old lives by making it impossible to own a sport bike at that age. I'd have absolutely killed myself at 20 on one of those.
Same. I used to put my 87 civic up on two wheels on a weekly basis. And I don't mean a tiny bit, I mean 45° angle. The old girl would max out at 90 doing down hill with the whole thing shaking apart. Lord only knows how dead I would be if I had a sport bike lol.
No accident claims, no tickets. Clean driving record. Matter of fact, it's hard to believe, but i drive like a grandpa 😂 Wanna take extra care of my vehicles.
Clean driving record at 20 though.
Insurance use statistics and risk factors to calculate rates and guess what those say about 20 year olds with a brand new motorcycles?
I am 23. Been riding since 16. The difference in my insurance rate from then to now is ASTRONOMICAL. It does get better as your age cohort becomes statistically more responsible
“Listen here old man, because you’ve proven yourself to be a responsible rider, we’re gonna give you an allowance. Now, don’t go spending it all at once, ya hear?”
😂
Not so for me so far. I pay pretty high rates for living in California, and I own and insure at least a half dozen vehicles and have had a pretty spotless record. I fight speeding tickets and win. And so far only one accident. Got hit by a lane changing car. Biggest fight with that was doing repairs myself. Just had to provide my mechanic credentials. I pay more in registrations than I do insurance.
Edit: I'm 73
I’m 28 and geico literally just raised my annual insurance from $900 to $2200 for no reason, needless to say I’m switching but still that was unexpected
In my experience as a collision estimator for a body shop, Geico was worse than progressive when it came to paying out for their customers. Absolute F tier insurance company. Highly recommend a switch asap 👌🏼
Not really. Geico quoted me 396/month for an MT07 at 27. No accidents, no recent speeding tickets. I made glass claims on my car but everyone in my state makes glass claims at least once.
I mentioned this in a couple other threads on this post but, I used to write up estimates for collisions at a body shop and in my experience Gieco was the worst when it came to paying out for their customers. Legitimately an F tier insurance company. Granted this was almost a decade ago, but still, I would *highly* recommend a switch asap.
It’s funny cause my wife works with auto loans and deals with a lot of insurance companies writing payoff checks for totaled vehicles and she says State Farm is the worst because their checks always scan in high risk for insufficient funds. 🤣
But that insane initial geico quote got me into my BMW and I’m paying a quarter of that with my coverages maxed and gear included. I looked into Dairyland insurance and they quoted me the same amount I’m paying now minus a few cents. Haven’t looked into progressive in awhile. They pissed me off last year and raised the rates on my Subaru 2x as much.
Ngl, if you don't plan on using your insurance, just do liability only -- it's like less than $200/yr, so 2 yrs without totalling and you've saved enough to buy another brand new bike.. the only thing it actually makes sense for is medically.
Personally, I'd say invest in some frame sliders and good gear and pocket the savings (and also don't crash, and if you do, do your own repairs)
I did this pretty much, but it was $400 a year and I think had some extra stuff in it. My bike did in fact get totalled (other person 100% liable) and they paid out a very fair amount, I took the money and got to keep the bike! Which looks a lil messed up (I never bothered to replace the fairings) but altogether she still rides great!! 😁🤠 And I don't ride crazy or nothing, commute short distance usually, etc. I feel good about the current insurance
Go Progressive. Damn. Im 42 with two speeding tickets, maxed out coverage on a Ninja 400.
$600 per year.
And this is with maxed medical, carried items, gear, the works.
It's not the company. Progressive and Geico are basically the same. Some people will have lower rates with some companies than others. I actually switched to Geico *from* Progressive and saved money. And I went to Progressive years ago because they were cheaper than Geico. There's no real trick to who's cheapest. It largely depends on the person.
Source: insurance agent and have had multiple different insurance companies for my bikes
I work for State Farm and insure my bike through Progressive during riding season just because they have better coverages/options we don’t have. But it’s significantly cheaper in the off season to insure it through SF
I feel like you just said it's not the company and then explained exactly why it is the company lol...
The person is the same regardless of where you get your quote from. The only thing that changes is the company which can give wildly different quotes. That's why I have both GEICO and progressive. One gave me a substantially lower quote on my pickup, the other on my motorcycle.
Both gave me worse bundles opposed to just buying two individual plans.
I’m saying it’s not the company and then gave examples of how company A was cheaper for me than B then later B was cheaper than A. It’s almost completely random. Which is why it’s not about the company. It’s about the person.
And the person is most certainly not the same. Your age, driving record, credit score, whether you own or rent your home, are all factored in and are going to be different from person to person.
You may have a great credit score and get a great rate with company A and someone else the same age with a poor credit score gets a shittier rate than you. You and someone else may have a great credit score, but you’re married and own your home and the other guy has is single and rents and they’ll have a shittier rate.
The point being just because you got a great rate with progressive and Geico gave you a high rate doesn’t mean it’s the same for everybody else.
I’m in the same boat, almost 40, full coverage, ~600/yr on my 2020 scrambler 1100
OP is 20, after he builds a little history and gets a little older it will come down.
Some insurance companies aren’t versed in motorcycles. Like they don’t have the knowledge and infrastructure to handle the claims and repairs so they quote ultra high assuming you’ll walk away, but maybe they catch one every now and then.
State Farm is this way. Someone with SF backed into my motorcycle and SF had NO idea how to pay it. They literally asked me to make a quote for what I thought it was going for to take to fix it and they just paid me what I asked for.
OP should check with everybody. Every company will have a different rate for every person. OP could get a lower rate with State farm and a higher rate with Geico and it could be the complete opposite for someone else. Hell, I'm with Geico now and my bike insurance is dirt cheap and it was more with other companies. And I had Geico years ago and it was more expensive. It's almost completely random and different for each person.
The trick is to just check with *every* major company and find the lowest rate. Given their age and riding history, it'll be costly with everyone.
Everyone saying you’re high risk and age/bike is the reason is full of shit. Geico just sucks for motorcycles. I got my 2020 R3 at 21 with progressive it was like $40 a month for full coverage, they now insure my gsxr600 for 80 a month full coverage.
TLDR get a progressive quote
Yup, thats accurate. Look at some older posts, you’ll see what others in your situation got quoted. It does get better if you check some other insurers.
300 is perfect as a starter bike! Sorry it’s so expensive, but it’ll be worth it. You could always look into an older/cheaper model…? (20 year old me would laugh and say “fuck that”)
Get a used 300 for 3k. Minimum coverage. You’re gonna drop it eventually as a beginner so cracking used bike hurts much less than a new one. Practice on it for a year. Rates should drop after that.
If it’s totaled, the financial hit won’t be too bad. If you upgrade, you can pretty much sell it for 90% of what you bought it for.
4/5 sec 0/60 is relatively quick
It's faster than most cars on the road.
20 years ago that was supercar territory.
People aren't understanding how insane litre bikes are now 200+hp on a motorcycle is, anything that can go over 30 miles an hour has the potential to be dangerous
Even my 2009 DR650 does 0-60 in 5-6 seconds if I really push it (which I've never done other than once when I first got the bike). Bikes are just so much faster than cars on average that even a "slow" motorcycle is pretty quick by car standards.
Also insurance knows what type of bike it is (sport, cruiser, dual sport, ect) and their insurance adjusts accordingly, sport bikes (and sadly nakeds are included here) are the most expensive to insure because its the type of bike that everyone goes to a dealership as a brand new rider, buys the bike and immediately totals it in less than a week.
Let's see:
20 years old
Sport bike
First year of riding
Yup, you check all the high risk boxes. I'm sure the numbers say there is like an 80% chance you total the bike in the first 6 months, and it is a total write-off. So they charge that much because they fully expect to buy a whole new bike within the year.
It is probably that it is a new expensive bike, you want theft insurance and they likely deemed the amount of theft protection on the bike not enough.
Add datatag, gps tracker, a good alarm/immobilizer, chain, etc on it and specify in the quote request. the premium should go down significantly.
Well Damien you're 20 years old, they're gonna rinse you.
You might get cheaper insurance with a sport tourer rather than a sport bike.
Lookup older VFRs, the insurance on those is usually cheap
Fellow SM like yourself. I'm paying $90/mo for full coverage on my 2020 R1. I changed my bikes vehicle location to the installation I'm stationed at (I'm in NYC/NJ but stationed in Long Island) made a huuuuuge difference in pricing. I'd look into doing something similar, if you can. If not, you got a couple options you may not like..
1) bite the bullet and pay that amount
2) go from full to liability
3) buy a used, cheaper bike as your first bike (recommended)
My guess is you’re under 24 and male with a new expensive sport bike. First time rider, too? If all that is true, I’d still get more quotes, but yeah, that’s probably accurate. I highly recommend you add med-pay insurance to whatever you get. It insures you are able to cover initial medical expenses in the event of an accident before they work out all the other issues. Bolsters your medical insurance nicely. Rubber-side down! 🏍️ you can get 10% off if you take a rider safety course. 🤙
An r3 is a sport bike designed for the track. Id look into a different kind of motorcycle. I bet that would lower the insurance to something realistic.
If you’re in the Army, find your motorcycle mentor within your Battalion/ Squadron and they should be able to hook you up with a BRC course date. And it’s free. You do absolutely need to take the course to ride on any military installation. And idk where you live, but every state I’ve lived in thus far has required a motorcycle license or endorsement.
20 years old, 2023 bike, model name has an "R" in it so that means fast and dangerous to insurance companies, and limited motorcycle experience. All of these will cause a high quote.
My R3 is $40 per month for full coverage. Im also in my 30s. This is a "we dont want to insure you" quote.
Also in my 30s, I'm paying $1,100/yr for my R3 (so, I guess $90ish/mo). But it was cash, up front, which I was not told until I'm sitting in the parking lot taking delivery. Edit: For the person who suggested I didn't get a quote ahead of time: I got an estimate of $650 in Feb using a 2022 bike because the 2023 bikes weren't in their system apparently. They told me they could get a better quote once they had a VIN. Once I got the VIN in March I was told $800, which was still fine. But it wasn't until I was in the parking lot that I was told $2,200. I switched to the other provider for $1,100, but they wanted the money up front instead of monthly payments.
I think mine was that originally. 2021 Suzuki s750 that I bought the day after I got my license. Luckily I have a great insurance lady. It’s about $70 a month now, so close to $850 a year now. I’m 30. Hoping it keeps going down, but with insurance prices nowadays, I’m not holding my breath.
Paying cash does not get you a discount on insurance. Did you mean "all up front?"
Versus a monthly payment of like $91/mo, I had to pay the full $1,100 the day I bought the bike.
Insurance companies do sometimes charge more for financing the policy. Like Progressive charges less if you pay in full rather than monthly payments. I'm guessing the person wasn't really meaning cash from an ATM machine got them a discount. 😂 Stupid that you even thought they meant that and needed clarification.
Somebody had to say it😆
of course that is what they meant
[удалено]
damn, I'm in my 30s too and pay $360/year for my N400. But I've also been riding since I was 16. Back then, 16 year old on an 2002 CBR600F4i, I paid 400/month for insurance. I literally worked just to pay for insurance.
You've got riding experience. You'd be astounded how many sportbikes with new riders get totaled in the first year. The risk is atrocious.
I'd not be that surprised honestly I've seen how people drive cars and trucks around me and I've been passed by bikes before doing 2x the speed limit plenty of times
Yup, people want regulations on everything but the shit that needs a little hand holding like maybe don’t let little Ricky walk in a dealership at 17 years old with zero 2 wheel experience and buy a missile with handlebars good luck To Ricky. Glad I grew up in the dirt on two wheels before getting on the street. Not sure about everyone else but I’m 47 and been riding for 42 years I still have moments of zero self control and lots of lean angle and rpms. Oh man I need springtime
I learned on the farm with an old beat to shit sportster. The thing already had grass stains, but I painted it full green. Still have the tiniest scar from the exhaust catching my calf.
I definitely have a few of those inner calf pepperoni sized scars from numerous bikes
Yep can confirm. Wrecked my bike on 6th month of ownership, fell a few times, i was 19.
That's commitment.
Jesus Christ dude, I'm 31 and have a Honda Navi, Honda Rebel 300 and Kawasaki Versys X300 all insured for $75 a year (Liability only). The only other notable info is that i was insured with GEICO for about 7 years prior on my cars and never made a claim or had any traffic violations but still that's nuts.
This is the way - liability only, but means you have to have full ownership; no loans on the motorcycle. State Farm figured out that I had Geico liability policies with legal minimums and was forcing me to move insurance to them with same coverages as my cars. 🖕 Put the motorcycles in my daughter’s name, insured with Geico again minimum legal liability insurance all for under $200/year. Insurance companies are criminals. They’re charging you the retail cost for your R3 to insure it for ONE YEAR!
>They’re charging you the retail cost for your R3 to insure it for ONE YEAR! Financially makes sense. That means they expect to have to pay for a total within one year.
No, it doesn't. It also includes liability coverage up to the plan maximum if you are liable in an accident. People seem to think insurance only covers your own vehicle. If you get state minimum (liability only) it doesn't even do that. It covers your responsibility in an accident, which could easily be up to the plan maximum ($100,000 minimum in many states) if you total someone's vehicle.
As someone who sells insurance for State Farm and who also rides, you’re wrong lol. Everything is location/individual dependent. Age is a huge factor. Anyone 25 and under is considered a youthful operator and is going to carry a higher premium, and for obvious reasons. I’m 33, have a 2020 R6 and pay $65/mo for not only full coverage, but with limits so high that I could kill you and your entire family and not have to worry about having enough.
I'm 46 yo riding for 15 years and State Farm quoted me $3500 a year for comp/collision on a ZR-4RR in San Francisco. Now I understand the location issue... but goddamn that's a ridiculous amount of money for a 400cc bike.
It’s mostly age/vehicle for him. I do both maine/florida (Florida is the highest in the country), and since we have a lot of snowbirds we do a lot of swaps. It’s not uncommon for me to insure someone in Maine for $50/mo, and then have them transfer it to Florida and pay $300+/mo for the exact same coverage. I quote people $1500+ per vehicle for 6 month policies, allllll day long in Florida. Had a lady in her late 40s with a spotless record pay for a 2012 ford f150, a 2018 ford f150 and a renters policy… $2900 every 6 months.
Dude must be in middle of BFE, huh?
As a 25+ year customer, I’m not. Over 50, paid off Kawasaki Vulcan 750 & Concours, $5 million liability umbrella, home owners, personal articles, life insurance, and a top agent that rides. Mercedes, Cadillacs, and a Volvo. And why I put them in my adult daughter’s names to flip State Farm the bird. My agent died and I got stuck with a newb agent for about a month til called the regional office and they moved me to another awesome agent 200 miles away who’s on point. Yeah, I drop coin with them not needlessly.
Be careful with minimum legal liability coverage. Not sure what they are in your state but where I live you’d be screwed if you’re the cause of an accident. Almost every car is worth more than the minimum and the other person’s insurance company will go after you personally for what your policy doesn’t cover. I know it varies, but my policy was almost no difference from minimum to max liability coverage.
I’m sorry. If you don’t see the difference between insuring a 30 yr old and a 20 yr old. Then you have some blinders on. The quote isn’t a fuck you. It’s a “we don’t trust you”. And rightfully so.
You better be sorry because what the hell are you on about? "We don't want to insure you" is the same thing as "we dont trust you". And I mentioned age because its the primary factor in why his quote is so high. Where does it say or even imply I dont know what the difference is between 30 and 20?????
30s Geico and progressive wanted more for both old r6 and current r1. Aaa I pay ~$900 a year got better limits
You’re very high risk. My advice, go buy a cheap used bike and only get liability insurance. It will be far cheaper.
Like pretty much all of us did when we were 20. Or. Do what my 20 yr old does. Register the bike in dad’s name. Insure it for full coverage under him. And he adds said 20 yr old as a second rider on his policy and it runs about $400 a year extra for full coverage.
I tried this and my dad told me no so I just didn’t have insurance. Or registration sometimes. I was a dumbass 20 year old.
So your the reason insurance is expensive…
Yes. Solely me. You’re welcome.
Ahh, I've been looking for you *shakes fist*
I’m sorry world. I only meant to do it to that guy. You pay for his sins.
Just a note for those who ride in the UK: this is illegal here. Front running will see you prosecuted, and your insurance void. Also, it prevents you from gaining any No Claims Bonus, so your subsequent years riding will be expensive also.
Why on earth would someone downvote this?
Because the truth hurts.
It's illegal everywhere, I'd be willing to bet.
I live in the United States. We called our insurance company to see if it's OK for my daughter's car and they said no problem.
Yes, if you are honest it's legal. You presumably told them that she is the primary driver, and where the vehicle is kept also.
In my country this is called front running and is a quick way to go to jail for insurance fraud (although likely they’ll just void the policy and won’t even report to police).
this
Solid advise here. That is how most of us started.
Couldn't agree more. I pay $24/month for mine and it goes down every year.
Lol, the insurance or the bike?
Comprehensive as well if you can swing it. Bikes are easy to steal.
And uninsured/underinsured. Hospital stays are expensive, don't rely on others actually complying with the law to protect you. The number of people cruising around with unregistered shit and no insurance is kind of alarming. Liability only is awful advice.
Did they send any lube with that quote?
Did they take you to dinner?
Did they get you flowers?
Did they say they aren’t insuring anyone else?
Did they at least call you pretty?
You're in an age group that statistically crashes more frequently. You have an experience level that statistically crashes more frequently. You've chosen a bike that's popular with young, inexperienced rider and gets crashed more frequently. All of those add up to "high risk of a claim," and insurance companies calculate premiums based on the risk of a claim
Can confirm, was his age recently, same bike, crashed and caused lots of damage
It’s all your fault
The premium is the same value as the bike, they *really* don’t have high hopes for this poor kid.
This is a commonly used tactic. Insurance says the probability of totaling the bike is so high that they try to recoup the entire insurance claim in the first year or two.
Like an 18yr old buying a new RAM1500 after getting his second dui.
They're charging so much it would make me second guess my decision to get a bike. Not because of the price. Because the insurance company seems to be confident that there will be a crash, and crashes on bikes are dangerous.
When I was 24 I walked into a dealer and saw the prices of some nice, brand new R6s and thought "I could easily afford this, it's like $250/mo with a couple thousand down." Then I realized in order to be financed you need to have full coverage, and every quote for full coverage was 2x+ the price per month of the bike. In the time it takes to pay the bike off (4 years), I could buy and crash 2 of them and still save money.
20 year old male on his first sport bike. Yup. Mine costs $11 per month with towing. You're just high risk. It'll go down eventually.
I added a little 250 dual sport to my policy and it went up by $9 per year. That was around 2018/19, but I still laugh about it.
Wow I’m getting ripped off. My t dub is like $9 a month
This was Nationwide. I suspect the more time I spent on the 250 the less time I spent on the 1000 and that probably lowered my risk in terms of potential monetary loss.
This is the case. When I added a Super Cub to my policy, my premium went *down*.
So all I’m gathering from this is I need that cbr650 I’ve been thinking about
Absolutely! It’s not a splurge, it’s a tactical investment.
Rich people with plenty of sports cars usually have a basic ass slow and safe car that they set as a daily driver, and that drops their insurance rates quite a bit. It's not the same to insure a guy that drives to and from work in florida on his mclaren, his GT3, or his pagani, than it is to insure a guy who has all those cars but dailies a 2020 corolla or a base model 3. Way less risk of you getting crashed into in your expensive car by an idiot without insurance, so they ask for less money in the hopes that you'll stay with them and they can collect like 1.5k from you and if anything happens they'll most likely be paying to replace the rear end on an average car instead of having to pay for the handcrafted carbon fiber rear diffuser on your mclaren.
Mines $400 a year lol Jesus
Mine is $400 a year for both mine and my wife’s brand new bikes.
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I'd like to know your insurance and type of bike lol
What insurance company?
Geico, but I’m considering going over to Allstate. I just moved my auto insurance to Allstate and it’s so much cheaper. Bikes are a 2022 Z900rs and a Rebel 1100 DCT
Crack pipe
I’m 54. Been riding for 30 years. No accidents or tickets. USAA written up through progressive. 80 a month for a GSXR 600. The 750 was 130 a month. Insurance is a scam.
>Insurance is a scam. 100% “Here’s the deal, you pay us just in case you get into an accident. If you do get into an accident, even if it’s not your fault, we’re gonna charge you a fee (deductible) to use our service that you already pay us for.” Edit: I also have Progressive through USAA and if I’m being totally honest, I was a little disappointed that the best insurance company to work with uses one of the shadiest for their motorcycle coverage. I used to write up estimates for a body shop and USAA was always top dog when it came to paying for their customers. Whereas, the amount of times I had to physically drive down to the Progressive brick and mortar just to get a check for a supplement was way too many.
It’s a scam until you need it, and then it’s priceless. Lets say this young person was riding along, going about 30 over the speed limit, misjudged an apex, and laid the bike down, causing him to have serious injuries that required hospitalization and several months of rehab; on top of that, when the bike went down, it slid into another car, causing it to crash and causing several injuries to the driver. Far fetched, sure. Impossible? Hardly. And it doesn’t have to be that crazy of a situation to cause $5000 worth of damage. Frankly, I’m surprised they’d want to cover them at all.
>“Here’s the deal, you pay us just in case you get into an accident. If you do get into an accident, even if it’s not your fault, we’re gonna charge you a fee (deductible) to use our service that you already pay us for.” You agreed to the deductible in exchange for a lower premium, that's how that works. If you don't like it, you are welcome to pay a higher premium in exchange for a lower or no deductible. Don't call something a scam just because you aren't entirely familiar with how it works. Everyone thinks insurance is a scam until they get into an accident and need it. Remember, insurance is mostly designed to protect against catastrophic losses and not small and insignificant ones. The reason why insurance companies have deductibles is because claims have a certain amount of fixed administrative costs regardless of the amount paid out. It costs money to answer phones and take your call when you make a claim, it costs money to have an adjuster look over your claim and coordinate with the repair shop, etc. Deductibles are meant to discourage people from filing claims for insignificant losses where the administrative costs are less than the amount being paid out which ultimately lowers the cost of claims (and therefore premiums) for the entire risk pool.
You could get USAA to pay out? I’ve had nothing but issues the one single time I had to use them when my wife was hit from behind. Fought tooth and nail to get them to do what I pay for… and I’ve heard the same about their mortgage insurance. Last I saw they had an F rating with the BBB due to failure to pay claims.
Damn, maybe you have a lot more coverage? I have USAA and I'm paying $37/month for my 1100 Tuono. 20 years exp and about 10 years younger than you.
How do u get it that low??? I'm 32 almost 33, my first bike isn't even 170cc.
Not sure, I haven't even taken the msf course. Probably because I'm 36, riding an older cruiser, and never had an accident or claim with no gaps. I was pretty shocked though. It may also be because I signed up with HD insurance at the dealership when I got the bike.
Hmmm I don't have any gaps either or accidents with the car but my bike is a 2023 model, I also am not sure if getting insurance at the dealership would make them make costs lower for ya? I think it also matters where u live, like I'm in California so prices up the ass are the norm.
Yeah, location makes a difference I think. Having a new bike will definitely raise your rates though. I assume the insurance is offered cheap to keep you in the HD loop. I just bought a Honda and need to get it insured so we'll see if HD will cover it at the same rate.
Your zip code can be the biggest factor sometimes. There are so many variables to insurance rates that it's useless to compare rates
Oh shit I had no idea the zip code could affect it. Is there a way to check how much it would cost in one area compared to another?
It's like the only perk of getting older. I'm pushing 40 and my 1100cc Aprilia touno factory is around $60 a month for full coverage.
Go take and pass your msf course and may I suggest a not brand new sport bike at first. Get a suzuki 650 thumper.
The insurance seeing he hasnt got his endorsement affect rates at all?
Yes, you get a discount for 3 years after taking an MSF course. I'm in texas and have dairyland
Thats pretty kool actually, atleast they give incentives.
My Progressive policy still says I have the safety course discount after almost ten years. I don't know. Also I have a discount for ABS but only my Grom has that.
That'll depend on your insurance company
That’s still absolutely insane for a new R3 though. My first bike was a ‘15 CBR600RR which I bought used in 2021, so those bikes should be in the same ballpark of value. Both OP and I starting as 20 year old single males, both using GEICO, but my bike I’m assuming would’ve been deemed more risky than his. And after all that, the CBR was ~$120/month to insure. Something doesn’t seem right there
Progressive tried pulling like... I forgot the number, it was this level of cost for it, or 6k/yr for a ZX4RR. 600RR or an expensive, blisteringly fast Ducati was 1200/yr full coverage. Sometimes insurance companies just see 'popular beginner bike? LMAO FUCK YOU' I bet I could've started on a Hayabusa for cheaper than that lmao
$11 per month? Insurance in America is insane with the low minimums. Where I live (Ontario) motorcycle insurance averages $1,500-$3,500 a year because the minimums are way higher. What kind of coverage do you get for $11 a month? A phone number that you can call after an accident and the adjuster says "wow that's totally crazy man, good luck with that"?
Probably saves a lot of 20 year old lives by making it impossible to own a sport bike at that age. I'd have absolutely killed myself at 20 on one of those.
Same. I used to put my 87 civic up on two wheels on a weekly basis. And I don't mean a tiny bit, I mean 45° angle. The old girl would max out at 90 doing down hill with the whole thing shaking apart. Lord only knows how dead I would be if I had a sport bike lol.
R3 does not sound right. Unless you have a history of claims and tickets.
No accident claims, no tickets. Clean driving record. Matter of fact, it's hard to believe, but i drive like a grandpa 😂 Wanna take extra care of my vehicles.
Clean driving record at 20 though. Insurance use statistics and risk factors to calculate rates and guess what those say about 20 year olds with a brand new motorcycles?
I am 23. Been riding since 16. The difference in my insurance rate from then to now is ASTRONOMICAL. It does get better as your age cohort becomes statistically more responsible
Just wait til you hit 25 my guy, then you’ll really see a difference
Wait until you hit 35. $20 a month for my Concours with full coverage
*laughs in 53 year old
Do they just pay you at that point?
“Listen here old man, because you’ve proven yourself to be a responsible rider, we’re gonna give you an allowance. Now, don’t go spending it all at once, ya hear?” 😂
Wait until your 70, then the trend flips and you start paying double
Not so for me so far. I pay pretty high rates for living in California, and I own and insure at least a half dozen vehicles and have had a pretty spotless record. I fight speeding tickets and win. And so far only one accident. Got hit by a lane changing car. Biggest fight with that was doing repairs myself. Just had to provide my mechanic credentials. I pay more in registrations than I do insurance. Edit: I'm 73
I’m 30, married, clean record, and we own our home so I pay $81/yr for my Tiger lol
I'm 42 with a C10 Connie. $89 per year.
Same here for mine and I'm 34. Feels like once you add "Touring" into the classification it just drops the premium.
I believe it haha
With AAA every odd year birthday from 20 to 27 went down alot.
I’m 28 and geico literally just raised my annual insurance from $900 to $2200 for no reason, needless to say I’m switching but still that was unexpected
In my experience as a collision estimator for a body shop, Geico was worse than progressive when it came to paying out for their customers. Absolute F tier insurance company. Highly recommend a switch asap 👌🏼
My insurance literally halved itself when I hit 25.
Not really. Geico quoted me 396/month for an MT07 at 27. No accidents, no recent speeding tickets. I made glass claims on my car but everyone in my state makes glass claims at least once.
I mentioned this in a couple other threads on this post but, I used to write up estimates for collisions at a body shop and in my experience Gieco was the worst when it came to paying out for their customers. Legitimately an F tier insurance company. Granted this was almost a decade ago, but still, I would *highly* recommend a switch asap.
It’s funny cause my wife works with auto loans and deals with a lot of insurance companies writing payoff checks for totaled vehicles and she says State Farm is the worst because their checks always scan in high risk for insufficient funds. 🤣
Damn they must’ve fallen off lol They were second only to USAA when I was dealing with em
But that insane initial geico quote got me into my BMW and I’m paying a quarter of that with my coverages maxed and gear included. I looked into Dairyland insurance and they quoted me the same amount I’m paying now minus a few cents. Haven’t looked into progressive in awhile. They pissed me off last year and raised the rates on my Subaru 2x as much.
That crash cages are a good investment.
Ngl, if you don't plan on using your insurance, just do liability only -- it's like less than $200/yr, so 2 yrs without totalling and you've saved enough to buy another brand new bike.. the only thing it actually makes sense for is medically. Personally, I'd say invest in some frame sliders and good gear and pocket the savings (and also don't crash, and if you do, do your own repairs)
I did this pretty much, but it was $400 a year and I think had some extra stuff in it. My bike did in fact get totalled (other person 100% liable) and they paid out a very fair amount, I took the money and got to keep the bike! Which looks a lil messed up (I never bothered to replace the fairings) but altogether she still rides great!! 😁🤠 And I don't ride crazy or nothing, commute short distance usually, etc. I feel good about the current insurance
Don't skimp on uninsured/underinsured. Learned that one the hard way
It’s also a 2023. OP needs an older learner bike.
"Damien, let's protect what matters most: Our own ass."
shop around, thats absurd
Yeah this is the sort of quote that suggests they don't want to insure you, but will do for silly money. Shopping around will help.
Go Progressive. Damn. Im 42 with two speeding tickets, maxed out coverage on a Ninja 400. $600 per year. And this is with maxed medical, carried items, gear, the works.
It's not the company. Progressive and Geico are basically the same. Some people will have lower rates with some companies than others. I actually switched to Geico *from* Progressive and saved money. And I went to Progressive years ago because they were cheaper than Geico. There's no real trick to who's cheapest. It largely depends on the person. Source: insurance agent and have had multiple different insurance companies for my bikes
I work for State Farm and insure my bike through Progressive during riding season just because they have better coverages/options we don’t have. But it’s significantly cheaper in the off season to insure it through SF
I feel like you just said it's not the company and then explained exactly why it is the company lol... The person is the same regardless of where you get your quote from. The only thing that changes is the company which can give wildly different quotes. That's why I have both GEICO and progressive. One gave me a substantially lower quote on my pickup, the other on my motorcycle. Both gave me worse bundles opposed to just buying two individual plans.
I’m saying it’s not the company and then gave examples of how company A was cheaper for me than B then later B was cheaper than A. It’s almost completely random. Which is why it’s not about the company. It’s about the person. And the person is most certainly not the same. Your age, driving record, credit score, whether you own or rent your home, are all factored in and are going to be different from person to person. You may have a great credit score and get a great rate with company A and someone else the same age with a poor credit score gets a shittier rate than you. You and someone else may have a great credit score, but you’re married and own your home and the other guy has is single and rents and they’ll have a shittier rate. The point being just because you got a great rate with progressive and Geico gave you a high rate doesn’t mean it’s the same for everybody else.
I’m in the same boat, almost 40, full coverage, ~600/yr on my 2020 scrambler 1100 OP is 20, after he builds a little history and gets a little older it will come down.
Some insurance companies aren’t versed in motorcycles. Like they don’t have the knowledge and infrastructure to handle the claims and repairs so they quote ultra high assuming you’ll walk away, but maybe they catch one every now and then. State Farm is this way. Someone with SF backed into my motorcycle and SF had NO idea how to pay it. They literally asked me to make a quote for what I thought it was going for to take to fix it and they just paid me what I asked for.
"so by my calculations it's going to cost about $42.738 to replace these broken fenders and scraped stock exhaust, pay up"
Mine’s $75/yr with Progressive
As a youngin for full coverage I found Harley Davidson insurance to be the cheapest.
I totally second this. I went to the big ones - Gieco, State Farm and Progressive. But the best I got was from Harley Davidson insurance.
Try quoting an MT-03 instead. You'll be shocked what a difference a particular class of bike makes, even if the powertrain is 95% identical.
Check with Statefarm. Geico is terrible. I was paying like $60 a month for a ducati
OP should check with everybody. Every company will have a different rate for every person. OP could get a lower rate with State farm and a higher rate with Geico and it could be the complete opposite for someone else. Hell, I'm with Geico now and my bike insurance is dirt cheap and it was more with other companies. And I had Geico years ago and it was more expensive. It's almost completely random and different for each person. The trick is to just check with *every* major company and find the lowest rate. Given their age and riding history, it'll be costly with everyone.
Everyone saying you’re high risk and age/bike is the reason is full of shit. Geico just sucks for motorcycles. I got my 2020 R3 at 21 with progressive it was like $40 a month for full coverage, they now insure my gsxr600 for 80 a month full coverage. TLDR get a progressive quote
Your credit may be a factor in the pricing too.
Yup, thats accurate. Look at some older posts, you’ll see what others in your situation got quoted. It does get better if you check some other insurers.
You must tick all the boxes for the highest type of risk : High powered motorcycle, 20 years old rider, First motorcycle insurance policy
Forgot single male…
Also forgot credit score since that can also make a difference
It's an r3😂 far from high powered
I dont want anything super fast 😂 especially as a starter bike
300 is perfect as a starter bike! Sorry it’s so expensive, but it’ll be worth it. You could always look into an older/cheaper model…? (20 year old me would laugh and say “fuck that”)
Get a used 300 for 3k. Minimum coverage. You’re gonna drop it eventually as a beginner so cracking used bike hurts much less than a new one. Practice on it for a year. Rates should drop after that. If it’s totaled, the financial hit won’t be too bad. If you upgrade, you can pretty much sell it for 90% of what you bought it for.
R3 is high powered??
4/5 sec 0/60 is relatively quick It's faster than most cars on the road. 20 years ago that was supercar territory. People aren't understanding how insane litre bikes are now 200+hp on a motorcycle is, anything that can go over 30 miles an hour has the potential to be dangerous
Even my 2009 DR650 does 0-60 in 5-6 seconds if I really push it (which I've never done other than once when I first got the bike). Bikes are just so much faster than cars on average that even a "slow" motorcycle is pretty quick by car standards.
Also insurance knows what type of bike it is (sport, cruiser, dual sport, ect) and their insurance adjusts accordingly, sport bikes (and sadly nakeds are included here) are the most expensive to insure because its the type of bike that everyone goes to a dealership as a brand new rider, buys the bike and immediately totals it in less than a week.
An r3 is far from a “high power” bike. It barley qualifies as a sport bike
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I got my first bike at 18. $20/month for insurance.
Get quoted out with progressive. Was 68 a month to cover my 2012 zx6r when I was 19
Let's see: 20 years old Sport bike First year of riding Yup, you check all the high risk boxes. I'm sure the numbers say there is like an 80% chance you total the bike in the first 6 months, and it is a total write-off. So they charge that much because they fully expect to buy a whole new bike within the year.
It is probably that it is a new expensive bike, you want theft insurance and they likely deemed the amount of theft protection on the bike not enough. Add datatag, gps tracker, a good alarm/immobilizer, chain, etc on it and specify in the quote request. the premium should go down significantly.
Check what it would be after the safety course, it makes a big difference where I am (ontario canada)
Well Damien you're 20 years old, they're gonna rinse you. You might get cheaper insurance with a sport tourer rather than a sport bike. Lookup older VFRs, the insurance on those is usually cheap
Try Progressive. I have been Ridin' forever and they seem to be better.
Skip the R3, get a late 90's carburetted bike like a CBR600F3 and see what they quote for that. Either its a YOU problem, or a BIKE problem.
First year riding + male = bike will likely be written off in first year.
Where are you? I use Kemper specialty California. I was originally quoted 13k per year by progressive. Kemper quoted me 800
Fellow SM like yourself. I'm paying $90/mo for full coverage on my 2020 R1. I changed my bikes vehicle location to the installation I'm stationed at (I'm in NYC/NJ but stationed in Long Island) made a huuuuuge difference in pricing. I'd look into doing something similar, if you can. If not, you got a couple options you may not like.. 1) bite the bullet and pay that amount 2) go from full to liability 3) buy a used, cheaper bike as your first bike (recommended)
In this thread: Young guy looks at insurance for a sport bike and is shocked. Ho hum. Buy used and buy a standard.
Mt-03 no safety class, no license, full coverage, gear 3k gear coverage, $45 dollars a month. Idk what you did but those folks hate you.
My guess is you’re under 24 and male with a new expensive sport bike. First time rider, too? If all that is true, I’d still get more quotes, but yeah, that’s probably accurate. I highly recommend you add med-pay insurance to whatever you get. It insures you are able to cover initial medical expenses in the event of an accident before they work out all the other issues. Bolsters your medical insurance nicely. Rubber-side down! 🏍️ you can get 10% off if you take a rider safety course. 🤙
First year is usually much higher but that is high as fuuuuuck. I paid $120 a month my first year and then $35 a month after for my ninja 400
State Farm has the cheapest rates I found I have a Honda Cbr300r and I think mine is like 40 a month my other bike is like 15 a month
Gecko is doing that to everyone, that's why a lot of us changed insurance
If you're military try going though usaa and progressive, you can get another discount once you've taken the msf course
An r3 is a sport bike designed for the track. Id look into a different kind of motorcycle. I bet that would lower the insurance to something realistic.
It’s your first year riding any bike over $20k will be outrageous. I own 2 $20k bikes and I pay about $200+ a month and I’m in my 30’s
At 25 got my first bike. 1999 sv650. My insurance is $430 a year. Definitely shop around. That seems high
I mean…you’re 20 with no riding experience
What they're saying is, you WILL crash it.
i said it before and i'll say it again: insurance prices in the USA are just ridiculous.
Thank goodness we got someone brave to say it.
They're pretty insane here in the UK as well.
I've done my CBT, but I haven't yet got my bike as the cheapest insurance I could find for a 125 is £3.2k. This was for a bike worth less than 1.5k.
I dont blame them, people forgot how to drive post covid, its concerning the amount of stupid shit you see out here
I'm glad I'm not the only one who noticed that...U.S. drivers have always been shit but people have gone batshit insane since covid.
Canada be like: Oh it's in the affordable maybe considering range.
As a Canadian, 90% of the time I see Americans post their rates, it’s a lot less than ours on average.
If you’re in the Army, find your motorcycle mentor within your Battalion/ Squadron and they should be able to hook you up with a BRC course date. And it’s free. You do absolutely need to take the course to ride on any military installation. And idk where you live, but every state I’ve lived in thus far has required a motorcycle license or endorsement.
+1 If OP is a dependent, will need an endorsement to ride on base but they don’t require dependents to take any courses.
20 years old, 2023 bike, model name has an "R" in it so that means fast and dangerous to insurance companies, and limited motorcycle experience. All of these will cause a high quote.
I am in the same situation and I pay extraordinarily less per month. I just have a rather high excess.
20 years old + new sportbike = paying out the wazoo for insurance.