Are you trying to get full coverage? Is insurance required in your state? I think because it's not required here in Washington State and the fact that I am only getting liability, the minimum is $80.00 a year. There might be several reasons, it might be that even though I might have a Dual Sport and someone else might have a 250 Ninja the insurance company might view the Ninja as a sports bike that have a higher risk since it can go faster. I don't really pretend to know all the answers. Go on-line and find Geico and call them and ask what the minimum liability you can get. That's what I did and I still got a $50,000/$100,000/$300,000 policy. If you have the bike on payments through a bank then they usually require full coverage. Both of my bikes are through Kawasaki and Yamaha credit, so they don't care. Good luck

http://www.geico.com/cycle/

 

http://home.ama-cycle.org/amaccess/l...t.asp?state=mi

 

what about in houston, tx does anyone know if the insuance costs are high here?

 

I pay 150.00 yearly for full coverage thru State Farm.

Tim

 

man never knew bike insurance was so...random! what the hell i guess i better start calling and asking for prices...

 

on my 99 ninja 250 it was 13 a month but thats under my 50 year old dad

 

97 ninja...48 bucks for the ENTIRE year....yep,21 yrs old....medical up to 2k covered was 64....112 total!

 

i pay 86 a month for a 06 ninja 636. that with geico. so all and all i pay clase to $1,000 a year for full coverage. but i have my bike finanaced through my bank which makes me have to carry full coverage.

 

i ust got a quote from geico:
50000/100000 Bodily injury
15000 property damage
10000/20000 uninsure motorists
comprehensive 250 deductible
no medical
no collision
393.82 for a year.
I am 23 male live in florida with clean driving record

 

yeah its about $470/yr for me, im 21, female in TX with progressive... 250/500/100 and 50/100 uninsured and 100 comp & 500 collision

it's only $330 w/out the collision...

i cant decide if i want collision or not... the bike was only $1800 for my '04 which isnt a lot at all.... I think im goign to start off with collision for the first year and then when i get experience i'll drop it.. I dont want to wreck my bike within the first 3 months and not get any money for it (since they say thats when most beginner accidents happen)