I've been riding 31 years. No tickets, no accidents. For full coverage, I insured a ZRX1200r for $100 a year. For a 2012 Versys 650, it only cost $200 a year. I'm with Allstate and have my homeowners, car and motorcycle policies with them. When I bought the r3, they wanted $450 a year to cover the r3 with full coverage. WTF? I can get coverage for a 1200 cc monster for $100 a year and it costs $450 for a 321 cc bike? I called Geico and it was even worse by a $1000. I finally called progressive and got a reasonable rate. At 47 with 31 years riding experience with no tix or accidents, I didn't expect to be raped over a 321cc bike.