$80.00 a year for both bikes, and that's $25,000--$50,000--$300,000 liability. Insurance isn't even required here in Washington State, but you're only taking chances not having it. Kawasaki didn't require any insurance, and really paying full coverage in my mind is a waste of money.......well unless you wreck Someone on here had full coverage and I guess it paid out, so I guess its all good.