[Rocky244]

@Rocky244

Lucky for you I was just reviewing this over the weekend. I just got a quote over the weekend from various places for a Kawasaki ZX-6R (636). I'm turning 30 in a few months and I thought what better way to celebrate by buying a Ninja since they're celebrating their 30th anniversary. Onwards to the quote. The condensed version is that if I had balls, they had me by them and I was crying uncle.

Here's a photo of my current coverage from Progressive in full detail. I'm female (in case my avatar didn't give it away :grin, 29, am located in the San Francisco Bay Area of California. I've been driving for almost 14 years with a C class license and have had my M1 since June 2013. I've never had an at fault accident and have no tickets on record in at least 9 years. The quote was retrieved as being married.

$2,400 was the lowest! For the same coverage! it came down to $2K if I go super basic (like $10K/$50K coverage) while still maintaining full coverage but I wouldn't go that low given that what folks are driving around here and how loaded they are. I'm the poorest one in the neighborhood; I'm considered "low income" because I make less than $90K a year. :serious:

I checked with all of the usual suspects. I usually get a lot of discounts through State Farm given history and products we have with them but they couldn't beat Progressive on my 500R on year 2. I had State Farm for year 1 on my 500R for $606 a year. It jumped to $900-something for year 2 and this was for coverage lower than what is attached in the photo. I went to Progressive and they quoted me $750 then after my one year anniversary they dropped it $100 bucks automatically.

I haven't checked with State Farm on the Kawasaki yet but I'll call tomorrow and report back with my findings.

Let me know what it comes back as please! It looks like State Farm may be a last ditch effort, as they do not have an online quoting tool, so there's still a chance! (But I really doubt it)

I'm in a much similar boat. Of course I love my 500 but in the future, I've always considered if I would want to upgrade, unfortunately however, Canadian insurance (near Toronto) virtually makes it unfeasible before age 25 (still impractical at 25).

A 23 year old male, insurance on my 500 is $120/month with a full graduate driver's license and M2 motorcycle license. Before 25, a 600R will skyrocket to ~$375/month. 1000R? We're talking in the $600/month range.

This is reduced once you hit 25, but obviously doesn't impact it too much as it's progressive after-the-fact. The main issue is that they expect anyone to have at least 5 years full graduate driver's license experience + full M license before rates are realistic.

It's a shame, and I don't know how most people up here are happy/settle with it. Perhaps they just tolerate it *shrug*

All the best

I can't imagine everyone is just 'ok' with paying this much for insurance. I would even be willing to pay $200/month, and most people would consider me nuts for that. $400/month is just OUTLANDISHLY high. Even the most flamboyant spenders would probably not go for it, I wouldn't think. So I'm just confused how I even see supersports on the road.

I guess I am lucky, I have had Rider Insurance for 25 years now. I'm paying $279 a year for TWO bikes at 43 yrs old.. Full coverage on my CBR and liability on the Interceptor. I had no idea it was that high for a 600 these days! Now I am interested to see what they would want for me on a 600RR for the heck of it.

Update: Got my quote already for full coverage on a 2015 600RR $678.00 for the year. Not horrible, but ALOT more than the $179 my 500 costs a year.

You have found the only loophole I have ever found. Rider insurance. They have very low quotes, the only ones to offer me sub $2000 insurance on a 600rr. I used them for the past two years on my CBR500R. Unfortunately, they only operate in specific states, of which I have moved away from. BIG disappointment. All I want to do is buy a supersport, and not pay more than my monthly payment on insurance!

I maxed out all the coverage's and here is what I get from Dairyland...

500R- $40.45
2015 675R- $91.29
2015 Street Triple R- $71.26
CBR600RR- $108.76

I ran a quote on Geico for the same 675R, $146.84/mo. $408 on a CBR600RR w/ABS.

I'm 24, No accidents/tickets, 750+ credit. Single, Male.

I recommend you really look into a smaller insurance company that deals with motorcycles. For example Viking Insurance associates in CA, which is the CA branch of Dairyland.

I have tried Dairyland, and they are above $4500. I would be VERY interested in seeing your parameters for $108.76/month from Dairyland. I haven't been able to replicate that. I am now currently in AZ, which is part of my problem. I, too, am a 24 yo, single, male, with no accidents/tickets (knock on wood).

Jinxed myself.
Clocked at 76 in a 70.
Cut me a break by writing it for 75 in a 70... Yea right.

First ticket though!

I find it beyond belief that they would give you a ticket for 76 in a 70. I would hold a grudge against that guy for the rest of my life, I think.

****, I don't even bother to reduce my speed when I have cruise control set at 11 mph over on the highway when I drive past a patrol in the emergency lane.

 

[Droman1972]

I know how you feel. When I moved from NJ to Virginia there was a one year gap before Rider started writing policies in Virginia. Call them up and ask about them expanding to Ohio. I see they are now in Michigan. They could be adding more states sooner than later.

 

[giraffe]

@Rocky244.

WOW. WOW. I'm floored. I just got off the phone with State Farm. Deductibles for collision and comprehensive at $500, 100/300/100K liability full coverage only $80 a month!!!!! 2015 Kawasaki ZX-6R ABS. 29 female licensed a little over 2 years no accidents or tickets.

I'm back to thinking about my upgrade now.

 

[Dave Edwards]

@Rocky244.

WOW. WOW. I'm floored. I just got off the phone with State Farm. Deductibles for collision and comprehensive at $500, 100/300/100K liability full coverage only $80 a month!!!!! 2015 Kawasaki ZX-6R ABS. 29 female licensed a little over 2 years no accidents or tickets.

I'm back to thinking about my upgrade now.

Great news, yet totally bizarre. I pay $70 per month in Los Angeles for my 500R, and that's with super low coverage.

Hopefully it's because you've had your license longer. I'm 51 with a perfect record but had only just gotten my license when I got the policy.

Anyway that sounds totally reasonable! Happy Day!

 

[djwhiplash2001]

Let Dairyland quote me. 3.3K/yr for the same coverage GEICO gives me for 700/yr. Yikes.

 

[rossco]

I've got auto and renters insurance with State Farm. Same agent for 22 years. I'm 52. I pay $156/year extra for the bike.

 

[Joram144]

Jinxed myself.
Clocked at 76 in a 70.
Cut me a break by writing it for 75 in a 70... Yea right.

First ticket though!

That's Nebraska cops for you though. I lived in Omaha for a year and a half. Got pulled over 4 times. I was doing 3 over at the most on any of those.
Here in Arizona, it's not even worth their time for anything less than 10 over.....most of the time.

Tough break man!

 

[Joram144]

@Rocky244.

WOW. WOW. I'm floored. I just got off the phone with State Farm. Deductibles for collision and comprehensive at $500, 100/300/100K liability full coverage only $80 a month!!!!! 2015 Kawasaki ZX-6R ABS. 29 female licensed a little over 2 years no accidents or tickets.

I'm back to thinking about my upgrade now.

I think you stated you were married as well? I know that lowers the cost of insurance as well. I guess they figure that you have a reason to live and so will take less risks. :laugh:

 

[Joram144]

I'm currently paying $300/yr full coverage (Don't remember all the numbers right now) with Pacific Specialty Insurance on my 500R. If I go month to month it ends up being about $550 total. 41 yr. old single male.

 

[Dave Edwards]

I think you stated you were married as well? I know that lowers the cost of insurance as well. I guess they figure that you have a reason to live and so will take less risks. :laugh:

Not necessarily, :wink:

Kids, yes, marriage? Maybe.

 

[Joram144]

Not necessarily, :wink:

Kids, yes, marriage? Maybe.

Ok, "The quote was retrieved as being married." so I assumed that was the case. :wink:

I have 2 boys 16 and 14.....oldest just started driving and I now know pure terror at what he has to do to survive the roads! We'll not have the conversation about his insurance cost.....

 

[Dave Edwards]

Ok, "The quote was retrieved as being married." so I assumed that was the case. :wink:

I have 2 boys 16 and 14.....oldest just started driving and I now know pure terror at what he has to do to survive the roads! We'll not have the conversation about his insurance cost.....

I'm going to have to try and re-evaluate after I've had my license for a year, I'm getting robbed.

Where in Arizona are you?

I was fortunate that my son didn't get his license until he was 18...

 

[Joram144]

I'm going to have to try and re-evaluate after I've had my license for a year, I'm getting robbed.

Where in Arizona are you?

I was fortunate that my son didn't get his license until he was 18...

I'm in Phoenix, but I've had my license for 21 years. I DO have a ticket though that was a doozie. Still stayed the same for year 2. Not sure how it's going to be in December when it's up again though.
For now, I'll take it!
Yeah, my son needs to get a job to help pay for his insurance.....

 

[Dave Edwards]

I'm in Phoenix, but I've had my license for 21 years. I DO have a ticket though that was a doozie. Still stayed the same for year 2. Not sure how it's going to be in December when it's up again though.
For now, I'll take it!
Yeah, my son needs to get a job to help pay for his insurance.....

Hey Dave,

That's what I thought. I like Phoenix, I used to fly out there quite a bit to shoot cars. I miss it actually.

That's a very good idea, they need to learn that it costs to play. But I am probably the worst example of that type of parenting there is.

 

[Dave Edwards]

I just moved and updated my address on Geiko for my car insurance. Got a pleasant surprise—my auto insurance dropped by like 25%. It's only 10 miles from where I used to live, but it's Ventura County instead of Los Angeles.

So I'm hoping my moto insurance will drop as well.

Been playing around on the Geiko site with different bikes and it's very interesting. It gives me $71 per month for my R, compared to $45 for an F. I think a slightly used F has to be one of the best buys there is.

Also a Street Triple R is significantly less than my 500R, go figure.

The other thing I discovered is any supersport is a huge jump. A Daytona is twice as much as a STR. Don't think I will be upgrading to a supersport any time soon, unless I go with an older one and minimal coverage.

 

[djwhiplash2001]

It's all about easily damaged fairings. That's specifically what sold me on the F over the R.

 

[Dave Edwards]

It's all about easily damaged fairings. That's specifically what sold me on the F over the R.

Yeah, I always have been drawn more to the look of the full fairing bikes and I suppose part of me was trying to make up for not being able to get a sport bike when I was younger.

But I have really grown to appreciate the F.

 

[Rocky244]

@Rocky244.

WOW. WOW. I'm floored. I just got off the phone with State Farm. Deductibles for collision and comprehensive at $500, 100/300/100K liability full coverage only $80 a month!!!!! 2015 Kawasaki ZX-6R ABS. 29 female licensed a little over 2 years no accidents or tickets.

I'm back to thinking about my upgrade now.

OH MAN. I'm just seeing this now, I'm not sure why I didn't check sooner; to be honest, I had mostly given up. Was even thinking of possibly going with a naked instead (Street Triple perhaps)...

Looks I'll be calling State Farm tomorrow to get a quote on a CBR600rr, I'll report back here.

It's sad that all I'm hoping for is <$2500/year.... :brutal

 

[Rocky244]

I'm in Phoenix, but I've had my license for 21 years. I DO have a ticket though that was a doozie. Still stayed the same for year 2. Not sure how it's going to be in December when it's up again though.
For now, I'll take it!
Yeah, my son needs to get a job to help pay for his insurance.....

That's actually where I'm at now. Phoenix seems to be a bitch on motorcycle insurance.

I'm sure accident rates and the fact that you can ride all year play large roles in these prices.

 

[rwanamak]

?

Must have been on base... what officer issues a ticket for 5 over?! Doing this 35+ yrs, never less than 9-10 over. and rarely at that.

Jinxed myself.
Clocked at 76 in a 70.
Cut me a break by writing it for 75 in a 70... Yea right.

First ticket though!