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Discussion Starter · #1 ·
So i did a bunch of online quotes, best was progressive for me which was $220 a month, but whenever I put in a ninja 300 they wanted like $108 a month whats the deal? is 20cc's really matter that much?
 

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So i did a bunch of online quotes, best was progressive for me which was $220 a month, but whenever I put in a ninja 300 they wanted like $108 a month whats the deal? is 20cc's really matter that much?
Progressive probably has the R3 listed in the SuperSports category (that's how Yamaha classifies it, unfortunately), which is the highest cost category. Ninja 300 is classified as a Sport Bike, but not a SuperSport Bike.

Try State Farm, they just go by your age and then the year, original cost and engine size, not by any category...
 

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Besides cc, things such as class (mentioned above) how old or new the model is, your age, if you have had any ride courses, how long you have been riding, the ratio of riders crashing that particular bike in your area and other things all affect the cost of insurance. It's not as simple as just CCs.
 

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Dairy Land has really cheap insurance I know a lot of riders go there for insurance. Really nice people too. If that's not low enough and you can't afford expensive insurance liability only is the way to go! Wouldn't recommend it though
 

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Full coverage through progressive with road side assistance, $3000 in extra gear coverage, medical payout enough to cover my health insurance deductible and a few other add ons for $324/yr. how old are you and what does your record look like?
 

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AAA 49 years young $350.00 with speeding ticket didn't go to traffic school. I should have. It was $600.00 with Mercury dropped them and made the switch. Houses camper cars and bike. Because I got the bike and my wife was like the " mercury was as much as our insurance on the Mammoth Pad". I switched everything to AAA. I'm saving $2400 a year now. Thanks to the purchase of my R3 and My wife accepting me just going out and buying it cause I wanted too. She cried the first day it was in the driveway. Ouch. I now saved us lots of money per year. Well not really cause I keep buying stuff for the bike.lol
 

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I have rider at 20 years old. I pay 400$ a year with full coverage. I was in an accident too. Total cost so far has been $3700 and change and all i paid was the $500 deductible and got $450 back from it already
 

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Discussion Starter · #11 ·
Thanks

Thanks guys learned a lot. Btw I'm 20 with a clean driving record. I want an R3 so bad as my college commuter but the insurance is up there. Dairyland doesn't offer coverage in Louisiana. So looks like i'm going to need to call state farm because i dont see an online quote option. I wish yamaha classified this bike as sport because lets be honest, the R3 is meant to get new riders out on the road.
 

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Thanks guys learned a lot. Btw I'm 20 with a clean driving record. I want an R3 so bad as my college commuter but the insurance is up there. Dairyland doesn't offer coverage in Louisiana. So looks like i'm going to need to call state farm because i dont see an online quote option. I wish yamaha classified this bike as sport because lets be honest, the R3 is meant to get new riders out on the road.
Glad to see that as a 20 year old, you arent giving in to the peer pressure of "Busa, bro". Your rates should go down as you get older. Taking a rider course will bring it down too, and at the least, give you some pretty good tips as a beginner rider. From my experience using Geico and USAA, they wont give you additional discounts after the first (BRC, or whatever the new equivalent is these days) rider course.
 

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Thanks guys learned a lot. Btw I'm 20 with a clean driving record. I want an R3 so bad as my college commuter but the insurance is up there. Dairyland doesn't offer coverage in Louisiana. So looks like i'm going to need to call state farm because i dont see an online quote option. I wish yamaha classified this bike as sport because lets be honest, the R3 is meant to get new riders out on the road.
If you have an agent near you, just walk in and talk face to face with state farm. It's one thing I really like about them, that if I have questions, problems, etc I'm not talking to someone in a cube farm just giving out generic responses, but a person who actually knows me.

I'm a fair bit older than you (28) but my rates on the R3 are extremely reasonable since my agent said displacement is a large factor.
 

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I'm 25 with one ticket from 16. Living in San Jose and my progressive insurance is 75$ a month for full coverage with 200/250$ deductibles.
Kinda expensive for a small bike like this but it was pretty average quote I was getting from the main insurance providers. I expected it to be more because everyone gets in hit and runs and bikes get stolen all the time here.
 

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I paid $227 for a year. Personal/passenger liabillity, a couple other things, but the most important to me was comprehensive (with a $1,000 deduct). thought that was a great deal compared to my car.
 
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