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Long story short, 100/300/100 bodily/property/Uninsured/Under Insured, comprehensive coverage

-Yearly-

Geico: $2400

Esurance: $3000

Progressive: $1200

And then there's state farm. $337 every six months. So, I say, give them a shot!
 

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Paying around 400 a year for my R1. Use to be $318 but it's been creeping up over the years.

I have everything bundled with State Farm.
 

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Long story short, 100/300/100 bodily/property/Uninsured/Under Insured, comprehensive coverage

-Yearly-

Geico: $2400

Esurance: $3000

Progressive: $1200

And then there's state farm. $337 every six months. So, I say, give them a shot!
Those insurance quotes are insane. I've said it countless times, I have no idea how people are getting such ludicrous quotes for insurance on the R3. Were those online quotes or did you actually call an insurance agent and get those quotes? When I got my "quote" online via Progressive and Geico it was always pretty high, but $3000? Anyone paying that is being robbed blind.

I'm a 22y/o male and pay $300/year for full coverage with American Family. A small apartment insurance policy is bundled in, so maybe I'm getting a $10 discount. AmFam does not give a discount for the MSF course. My deductibles are all $500 or less. How people are getting quotes for $3000 on a 321cc "sport" bike is beyond me. I wouldn't even ride a motorcycle if insurance was $3000/year.
 

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Those insurance quotes are insane. I've said it countless times, I have no idea how people are getting such ludicrous quotes for insurance on the R3. Were those online quotes or did you actually call an insurance agent and get those quotes? When I got my "quote" online via Progressive and Geico it was always pretty high, but $3000? Anyone paying that is being robbed blind.

I'm a 22y/o male and pay $300/year for full coverage with American Family. A small apartment insurance policy is bundled in, so maybe I'm getting a $10 discount. AmFam does not give a discount for the MSF course. My deductibles are all $500 or less. How people are getting quotes for $3000 on a 321cc "sport" bike is beyond me. I wouldn't even ride a motorcycle if insurance was $3000/year.
They're high because those insurance companies set rates by category and the R3 is, unfortunately, in the SuperSport category, same as the R6 and R1. Blame Yamaha for that.

State Farm sets rates by cc's on motorcycle, regardless of category, with the exception of Harleys, which have very high theft rates and so have much higher insurance rates.

And State Farm gives good discounts for multi-line (home, car, motorcycle, life, etc.) customers. I've been with them for over 35 years and so far I've never been able to find cheaper rates. I check every year or so.
 

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I have always had State Farm for my cars.

When I took the motorcycle safety course about 12 years ago, the instructors said that Progressive was the best for a motorcycle because they better understood them and you would be more likely to get paid when you made a claim. This information may be out of date, or it may be that the instructor just had some bad experiences with other insurance companies. I bought Progressive insurance for my first bike based on the instructor's statements. I got rid of the bike after a year and a half, and have not had one since (looking to buy an R3 soon).

Is this still a valid view about motorcycle insurance? Have any of you had experience with this?
 

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I have always had State Farm for my cars.

When I took the motorcycle safety course about 12 years ago, the instructors said that Progressive was the best for a motorcycle because they better understood them and you would be more likely to get paid when you made a claim. This information may be out of date, or it may be that the instructor just had some bad experiences with other insurance companies. I bought Progressive insurance for my first bike based on the instructor's statements. I got rid of the bike after a year and a half, and have not had one since (looking to buy an R3 soon).

Is this still a valid view about motorcycle insurance? Have any of you had experience with this?
Here is a more recent opinion on State Farm vs Progressive from motovlogger CycleCruza:

How To Get Started in Motorcyling

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I have State Farm coverage for my house and cars. They can't touch Progressive when it comes to motorcycle rates. I asked my State Farm agent and he point blank told me "We can't come close to Progressive, I don't blame you for going with them". I have never filed a claim in 28 years of driving/riding so I do not know which would be better if I actually need to file a claim.

I presently have two bikes, a 2013 Honda Grom and a 2015 R3 insured through Progressive at full coverage for $269 a year.

There are many factors which affect rates such as age, marital status, points against license, past claims history, geographical location, garaged status, MSF class, multiple vehicles coverage, medical coverage, etc.

I do remember when I was 16 with my first bike (1984 Kawasaki 700LTD), bare bones liability coverage alone was ~$110 a month back in the late 80's.

Since the R3 is a small displacement bike in comparison to most, I would assume most of the high rates posted on the forum come from our younger single riders.
 

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$343 for State Farm

Progressive and Geico were outrageous, about $1500 annually. 44 new female rider with a clean record. State farm was $343/yr for 25/50/25k liability with collision/comprehensive $500 deductible plus uninsured motorist coverage. I wonder if prices are higher for southern California?
 

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Those insurance quotes are insane. I've said it countless times, I have no idea how people are getting such ludicrous quotes for insurance on the R3.
I used to work for an insurance company. That's basically their way of legally discriminating against you for any reason they want. They just make the rates so high that you'll either just not buy the piece of insured property, or go with someone else.

One could argue that it's based on statistics, and it kinda is... but it's also kinda not. They can't flat out deny you coverage because of your age, so they make it ungodly expensive and provide statistics as a reason for that, even though those statistics may have nothing to do with you personally (your level of maturity, your driving history up until that point, etc.)
 

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Im 23 and I have full coverage with Geico for my car and I called to see what it would cost for me to add the R3. They quoted me $4900/yr for full coverage LOL I dont understand.
 

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I'm 23, single, clean record and have had many quotes over $5000. Best quote so far is $2236/year. Ontario Canada
 

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$214 year with State Farm.
 

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I'm freshly licensed and I'm paying $374/year for Liability & Full Comp with $500 deductible via TD Insurance (Canada).
 

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So I just looked into this, I'm 23 and have a car and homeowners insurance through state farm. Progressive with a $1,000 deductible was just over $900/year. State Farm just quoted me at $660 with a $100 deductible! Went with them instantly!
 
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