Insurance Costs

[FishrCutB8]

I am in Pennsylvania, USA and was curious about insurance costs. I checked with my provider, who ran the rate for Erie and also Progressive insurance. I was a little...ahem...urprised by the rates, and especially the differences!

I am looking at an FJR 1300 ($585), a Versys 1000 ($355 for a 2016), a Ninja 1000 ($660), and the H2 SX SE ($1300 per year). OUCH!

I am wondering if people are using other carriers and seeing better rates in ‘Murica?

[stk0308]

My multi line insurance broker's lowest rate for the H2 SX SE, full coverage, was $1704/year. In comparison my '16 Street Triple R, full coverage, $399/year. '08 Sprint ST, full coverage, $262/year. All with Safeco. I have my house, and my Dodge Dakota all with SafeCo as well. St Louis area, garage kept, 45 years old, excellent credit

[Russd]

I have insurance for my H2 SX SE through American Family Insurance at less than $400 per year. No tickets or crashes on the driving record and 60 years of age. Geico, Progressive were much more expensive in comparison.
Good luck!

Russ, Oregon

[silverr1]

H2 SX SE is $1846
KTM SD 1290 is $291

Full coverage

I notice they classify my H2 SX as a regular H2. Does everyone else do this?

[Champ87]

H2 SX SE $520 per year - State Farm

[57x]

Full coverage through Geico. $1400/yr

[HouTexH2SX]

It makes a big difference in how much liability coverage you are wanting or needing--would need to know this to compare the numbers. If you also have a personal umbrella policy you will probably need $500,000, but here in Texas all that is required to get your license tags is $20,000.

[Palmer812]

Progressive. $1000 full coverage 100k liability. 46 with clean record

[terrordbn]

Country Financial: $410/yr full coverage with $250 Deductible, 48 years old clean record

Bodily Injury Liability: $100,000 (each person) / $300,000 (each occurrence)
Property Damage Liability: $100,000 (each occurrence)
Medical Payments: $1,000
Death Benefit: No Coverage
Collision: $250 Deductible
Comprehensive: $250 Deductible
Emergency Road Service: No Coverage
Vehicle Rental and Trip Interruption: No Coverage
Uninsured Motorists: $100,000 (each person) / $300,000 (each occurrence)
Underinsured Motorists: $100,000 (each person) / $300,000 (each occurrence)

[XcelleraThor]

Well, asking an international forum...

...here are my figures from Germany, with a little more explanation, so that you can compare ;-)

I live near the border to the Netherlands and Belgium, so theft drives the rates for vehicule insurance, here.

I have almost all my insurances with "VHV Versicherungen" (they obviously discount then), including the metal box on 4 wheels I also own and almost never use, the box made of stone I live in, for the kids doing mischieve, for the wife (who theaches) loosing school keys, my liability insurance, etc...

My yearly rates are:

Liability: (over 20 years of incidentless riding) 20% of 647,68 EUR = 129,54 EUR (73,72 USD) given a yearly distance of max 12k kms usage per year. I will definetly have to increase that next year.
This covers a total of 100 Mio EUR of damage to persons, property..., with a max of 15 Mio per person. If I throw my bike into a resevoir
for drinking water, I am covered with 5 Mio Euro per environmental incident. For twice a year. Come to thinking of it, I know of at least five resevoirs in the Eifel, where I could do that ;-)

Vehicule theft/vandalism: (I live in a bad area of GER for this) 445,11 EUR (506,64 USD)
This covers the purchase value of my bike (22k EUR) -500 EUR. So if it gets stolen or damaged in the attempt or hit by a tree in a parking lot, or if it explodes..., I cover for 500 EUR and the insurance co covers for the rest.

So, each year from now on, I pay VHV 580,36 USD. They asked me for my age (55 now) and km per year, but so far my insurance didn't give a damn about tickets (speeding, red lights, etc).