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Discussion Starter · #1 ·
So, what do you guys recommend and pay for insurance (in the USA)?

I've been with RIDER since I bought the bike in 2017, but they keep raising their prices, and now have been sold to Plymouth Rock Assurance, it seems.

Still not too bad, at $317/year, but was wondering what you guys have.


Bodily Injury Liability
(per person / per accident) $100,000 / $300,000

Property Damage Liability
(per accident) $50,000

Uninsured Bodily Injury
(per person / per accident) $100,000 / $300,000 - Non Stacked

Underinsured Bodily Injury
(per person / per accident) $100,000 / $300,000 - Non Stacked

Medical Payments
(per person) No Coverage

Pedestrian Medical Payments
(per person) $5,000 Included

Vehicle Coverages
Comprehensive $500 - Ded
Collision $500 - Ded

 

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Mine is $663.63/year for all 3 bikes through Geico. I have no violations on my license, the husband unit has a few speeding tickets, which makes the rates a bit higher. Taking everything into consideration, I'm happy with the rates.

Bodily Injury Liability Each Person/Each Occurrence $100,000/$300,000
2013 Ninja 300 - $24.58
2012 Ducati Panigale 1199 - $38.52
2003 KTM 640 LC4 - $22.81

Property Damage Liability $25,000

2013 Ninja 300 - $8.86
2012 Ducati Panigale 1199 - $13.92
2003 KTM 640 LC4 - $6.64

Uninsured Motorists Each Person/Each Occurrence $20,000/$40,000
2013 Ninja 300 - $19.54
2012 Ducati Panigale 1199 - $21.85
2003 KTM 640 LC4 - $10.72

Motorcycle Medical Payments $1,000
2013 Ninja 300 - $7.33
2012 Ducati Panigale 1199 - $7.46
2003 KTM 640 LC4 - $5.46

Underinsured Motorist Each Person/Each Occurrence $20,000/$40,000
2013 Ninja 300 - $10.38
2012 Ducati Panigale 1199 - $11.61
2003 KTM 640 LC4 - $5.70

Comprehensive (Excluding Collision) $250 Ded
2013 Ninja 300 - $23.51
2012 Ducati Panigale 1199 - $87.59
2003 KTM 640 LC4 - $12.52

Collision $250 Ded
2013 Ninja 300 - $64.80
2012 Ducati Panigale 1199 - $219.73
2003 KTM 640 LC4 - $19.10

Towing & Labor Costs
2013 Ninja 300 - $7.00
2012 Ducati Panigale 1199 - $7.00
2003 KTM 640 LC4 - $7.00

Twelve Month Premium Per Vehicle
2013 Ninja 300 -$166.00
2012 Ducati Panigale 1199 - $407.68
2003 KTM 640 LC4 - $89.95
 

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I don't have all my specifics but know I bumped my liability amounts up significantly a few years ago...I only carry liability on my bike and scooter...they are cheap bikes so I'm not too concerned about fixing or replacing, if necessary. I pay $100/yr.
 
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