Motorcycle Insurance - What Coverage Do You Need?

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What insurance do you need? This topic came to mind after my R6 was stolen. I wanted to talk about the different levels of insurance coverage and what things you should think about when deciding what coverage you need for your motorcycle. On my SV, I had basic liability. On my R6 and R1, I've had full coverage (comprehensive and collision). What do you need and how much will the insurance cost?
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[@treyjohn18]

Video starts at 2:45

[@user-pu1iu7sc3y]

I saw this comment exactly after 2:46..... I hate myself

[@chrisc5178]

Thank you

[@chilledsamadio9140]

Thanks so much

[@joseambriz5897]

@@user-pu1iu7sc3y happens so often

[@-Cold-World]

I'm 31, with no accidents, one speeding ticket, and I live in Los Angeles. Geico, Progressive, and State Farm all wanted over 8 thousand a year for full coverage on a 2013 CBR600RR. Then I hit up AAA they insured me for $421 a year full coverage! AAA rocks!!!!!!

[@DanielMontoya87]

I'm 27 and pay less than $300/yr for full coverage for my Gladius. With a $500 deductible. After 25 insurance rates drop drastically.

[@bossmcgee2560]

excellent video. You're the first motovlogger to actually explain insurance. Thanks alot man

[@motonosity]

Thanks dude! Good luck with the bike search.

[@BROZYY98]

10 years and the video still helping new riders💪🏻

[@SnowbroRider]

Loved the video. Its always great learning this kind of stuff before I get my motorcycle.

[@renegadebiker24]

Great video MotonosityX, This is a good video imho. I subscribed to this channel as well as your old channel. This is good to know when I go get a motorcycle in September.

[@DaftBailey11]

Great vid man! Thanks or breaking down the complexity of motorcycle insurance for me it was actually really helpful...keep making great vids :)

[@INNOVVDashCam]

Helpful information. Thanks ! Love your video, keep up !

[@motonosity]

Thanks dude!

[@qintin]

Great vlog as usual keep up the good work!

[@motonosity]

As mentioned in the video, I was just covering the primary cost factors in insurance. Uninsured/underinsured doesn't change your insurance cost very much.

[@lRecoilzZ]

this video just helped me sooo much. thanks man

[@motonosity]

It really comes down to preference and price. Get on both of them and see which you like more. They are both similar.

[@motonosity]

Oh wow, didn't know that. Thanks!

[@motonosity]

No problem! Let me know if you've got any other ideas.

[@brunell180]

another nice vid keep up the good work bud

[@EM.6979]

Thanks, this video really help me to get my first bike

[@JamesJDMoe]

thanks for the knowledge! great vid

[@bkl1027]

I just got a new bike yesterday so this video was perfect timing. I got a 2008 gsx650f and decided to do liability, uninsured motorist and comprehensive just so I didn't have to worry about things too much. And for me I'm 24 it only cost 220 which was nice.

[@frankieh9233]

great bike man !! love ur vids !! keep up the good work !!!!

[@sempiternalkingvi7599]

Thanks! I want to be able to ride with my idol one day, hopefully one day it'll happen, i've always wanted to move over to the US, either Florida or Texas. Like, it's literally my dream to ride with you and all you other KZbinrs out in Texas :)

[@motonosity]

I have a theory for this. In countries other than the US, there are a lot more restrictions on engine size based on age and experience. The thought is that if you're buying a 1000cc bike, you've got a lot of time under your belt and are less likely to crash whereas someone on a 600 has less experience. This doesn't really apply in the US where you can get whatever bike you please right away (and thus costs go up so much more as you go up the cc scale).

[@mosescowboys2280]

thank you man that help me out a lot

[@motonosity]

I love them, with one caveat. Vid in the next week or two to elaborate :)

[@HansSoloYolo]

What would be your (or anyones) recommendation for good insurance companies or ones to avoid? Any good/bad experiences? I'm buying an 04 R1, I'm 22, just about to graduate with honors (lowers your rate?). I need something inexpensive because dem student loans.

[@sempiternalkingvi7599]

I know! there's so many of you guys that I want to meet because you're all so genuine and awesome people! I think i'll have to plan a holiday to come over there in the coming years! hire a bike whilst im out there or something :D

[@renegadebiker24]

You are welcome. :) Thanks :) I want to get a used Harley, and start motovlogging hopefully when I get the bike. The next motorcycle I will get is a sport bike, and I am looking at a possible Kawasaki Ninja 300 as my first sport bike.

[@TheGardenSnake]

I pay $150 a year for full coverage. But hey it's a 12 year old dirtbike, I've been riding for 9 years, and I'm 28. When I was 19 I bought a brand new R1. $970 a month! I said f that and got liability. Then it got stolen three months later. I was out $14000. Sad face.

[@k3v24]

I had no idea I had comp (35/yr) and coll (149/yr). I gotta try and raise the deduct, I get about 6 months for riding weather in colorado.

[@EATSLEEPRIDE]

Thanks for the tips! Always good to have these kind of videos come out in case of an accident. Have you ever heard of CrashLight, the motorcycle crash detection software on the EatSleepRIDE App? It automatically detects and motorcycle crash and notifies your pre-set contacts with your geo-location. Great for if you ride alone

[@motonosity]

Thanks bud

[@motonosity]

Theft is usually included in comprehensive but depends on your insurance provider.

[@OfficialCorwinTuggles]

Hey Im looking to get a Ninja 400, would you recommend basic insurance due to the value of the bike, also Im located in NYC as well, looking forward to hearing your response

[@ShagInTheWind]

Insurance is such a tricky thing to deal with. They are usually super frustrating, but can be very easy and accommodating as well.

[@masterbowler11]

I'm 16, my ninja 300 was like $750-760 for full coverage, and it's a brand new bike. A brand new r6, which I really wasn't looking at, was $4800 a year for full coverage. Really sucks being my age and having a motorcycle. No super sport fun for me, unless I get used. Lol

[@motonosity]

Couldn't believe the price difference and my agent was awesome as well.

[@ShellShock794]

I'm 20 and pay $186 for full coverage for a year on my Honda Shadow bobber. They also cover $2,000 of aftermarket parts so if someone stole it, it got wrecked etc... I'd actually get more than I paid for it lol

[@sundiver1000]

Uninsured depends a lot also on where you live. In Florida, it can easily double the cost of insurance due to our traffic laws.

[@SamsARidin]

So I'm new to your channel (great videos, by the way), and I was wondering what the difference in the name of this channel is from your other channel. I like to go through and watch any vlogs I missed just so I can say I saw them all, but I can't find your old channel. Little help? haha

[@motonosity]

And function. I can't see around myself with stock mirrors. With one bar end, I can see all around me.

[@shawns2k]

Hey man, just found your channel. I just noticed in this video the steamer. What do you do in aviation? Take care and get videos....

[@motonosity]

I hope you're a Packers fan.

[@motonosity]

Honestly I don't know. I don't even think the miles you set for that affects your rate.

[@JayR607]

Lets go for a ride when I get back! I should be in the Austin area for rides.

[@JefferazziVideos]

Thanks for the info. Do you get any additional medical coverage with your motorcycle insurance to cover anything your normal medical insurance does not?

[@ThePowerplay2019]

Hi, so im getting my bike next week, buying it in full, so how does it work if i getnin an accident and i have $25k in medical bills from an accident in at fault in. Where do i find that covers that

[@arch417powersports]

Is theft prot. included in full or extra?

[@IZylusI]

When it rains and it's sunny out, it means a witch is getting married. Although I think rain in the sun is an amazing sight =)

[@motonosity]

MiniNinjia Interesting

[@SANERAYG]

do you live Austin Texas? The roads look so similar

[@eghe12345]

Lol at a young age I was told a lion is being born😂( by my mom)

[@myreality7817]

Basic liability for me. I'll keep it in my garage and rarely let it out of my sight when I'm out. I could also put a GPS locator onutfor $60 a year.

[@x1bl0odman]

My Reality how’s your bike coming along? I plan on getting basic liability too when I get my r6 this summer

[@adammay7533]

Im 16 and I'm thinking about getting a 2007 yamaha r6 i live un a great neighborhood and i will usually only ride it around town wha5 do you think i need and i wont park it outside

[@motonosity]

Yep. Had to switch channels.

[@obus7800]

Good summary...I could complicate the discussion by mentioning fire & theft as an alternative to all perils (comprehensive) but let's pretend I didn't. I got injury coverage for disability, rehabilitation, loss of income, etc. because we have free health care that additional coverage was cheap for me...my driving record is clean...that helps!

[@motonosity]

We've got some great people here!

[@ExilAntiSocialGamers]

I was looking into a few bikes and insuance was off the wall with numbers. Honda cbr 500r -320 a month honda cbr 250r- 125-190 depending on year (2013 2014) kawasaki ninja 300-87 all were full coverage for a 20yo male with 2 prior car accidents ( my fault) it forreal depends on the company and the place you live. I live in stl in the county and bike theft is semi rare. Im gojng with rhe ninja 300 as my first bike and in a few years ima go to a 500-650 then eventually go to a ninja 1400 ( dont remeber name) but I cant afford the insurance on a 500r atm xD

[@arch417powersports]

They barely even look at driving records, location anymore. They just throw you in the collective age group and cc group and charge you out the aSS.

[@corytimmel5312]

i started watching your videos like a month ago and just now realized you live in austin. i noticed 183 haha.

[@metaskills2176]

When your riding and you come across someone else riding a motorcycle, whats proper etiquette to try and join them in their ride? Or at least start to share a lane with them. I'm new to riding just bought a cbr250r two weeks ago. never ridden in a group or with anyone.

[@LJ_S1K]

Im 18, just started riding 4 months ago and have a 2005 sv650s, my insurance is about $280 a year (full coverage) with AAA.

[@brokaw7]

I recently switched from progressive to state farm too. I saved about 70%. The price difference between insurance companies can be crazy.

[@motonosity]

Depends what kind of car and what kind of bike. A less powerful bike will be much cheaper than any car insurance.

[@topx2698]

do you still recommend state farm for new rider here in US? I’m riding motorcycle since I’m 16 in philippines but I just got my M1 permit and waiting for my MSP. I’m 28 now. planning to get 2023 zx6r

[@motonosity]

Yep, I'm aware :P

[@blah012345678]

I am 19 years old, new rider, clean record (no accidents or tickets), under my mom's policy, State Farm, live in a small, safe town, policy is liability, under/uninsuranced and theft/flood damage (I believe its 50/50 or 100/100 not sure but I know its higher than the state minimum), used 2007 Yamaha YZF R6S (5,xxx miles), yearly payments.....and I am only paying $900 a year which comes out to be $75 a year....plus State Farm charges you assuming you will only ride 9 months (I live in PA so it snows) and that you will graduate from the MSF Motorcycle course....so I think I am paying a fairly low price but I wish it was cheaper annoying that me being a good driver is paying this much.....

[@sempiternalkingvi7599]

Hey Moto, it's the English guy again ;) what's your view on the Suzuki GSXR600? I'm not sure whether I want that or an R6, They are both beautiful bikes but when it comes down to me getting one, which would you recommend?

[@slinginghotlead]

I have a 2008 GSXR1000 I'm 29 and I pay about $50 a month for full coverage during the season. When my bike is in storage for the winter I just keep comprehensive and thats like $3 a month. I have been riding for about 4 years. I got hit by a guy that was uninsured and I had to claim my bike and it ended up being totaled. My insurance did go up about like $4 a month after that.

[@TechT1999]

Well I need to check out State Farm..I have full coverage plus gap (which already paid in full. One time fee through my bank). Mine is around $1400/ year for my 08 cbr 1k.

[@slinginghotlead]

I'll keep the comp. I've had a car broken into when I just got my license and they took a screwdriver to my dash and the car wouldn't start. I only had liability and it was 1000 bucks to fix everything that was broken when you're 17 $1000 is a ton of money so ever since then I make sure to always have comp insurance.

[@DeeJayCG]

I'm 22 had an 07 zx6r and payed $59 a month through geico for full coverage and theft protection.

[@motonosity]

It wasn't terrible, but for a hot and sunny day with few clouds it was coming down pretty hard :P

[@motonosity]

I'd nope right outta 970 a month too lol. When I got 90 bucks on the SV I thought it was standard for bikes. Got the quote on the R6 and had a small heart attack. It was no 970 though haha.

[@SimmanGodz]

Oh man. I got quoted $60/mo for an sv650 in nyc for liability.

[@THEjak13H]

I like your phrase "Spirited Riding" lol

[@motonosity]

Waiting on mirror blockoffs.

[@motonosity]

Wow. Accident/ticket history not so clean?

[@pujabelgian]

I was quoted two hundred more to insure a 411cc Himalayan for the same period than a 2015 wrangler that's worth 4X more. 🤔 400cc to 750cc are in the same rate class.

[@PETERRAY1515]

So are you and Ak all good??

[@motonosity]

Yep, it's got a lot to do with the value of the bike.

[@TheButcher51]

which one should i get for a 2003 ninja 250 ;as a teen

[@hitori64]

yea gonna get a super sport as a Christmas present to myself haha but im pretty sure ima be paying 4-6k if i go full coverage. My buddy has it easy, started riding about 4 months ago but since he's 30 and has a wife and kid. Full coverage is only 100 a year for him.

[@kaelanakvik6313]

I bought my first bike and rode it into town to buy safety gear, all i had was a handed down helmet to ride for a week or two on, it POURED half way there. Needless to say, they talked me into a packable rain gear package lol. Liability on that Fazer was 79 bucks a year. My Vstar 650 full coverage is about 300 a year. Cousins family has a cruiser, a fjr1300, r6, zx10, and a few rando other bikes, they pay like 3000 a year....

[@TheEagleman193]

hi im 17 i have a 2013 Kawasaki ninja 300 and im trying to find good insure

[@spentfuelpool]

I am surprised you didn't mention uninsured/underinsured coverage. The cost of replacing/fixing your bike is manageable (albeit painful) but if you are hit by an uninsured/underinsured motorist the hospital bill adds up fast and you are financially screwed. You can sue the other party but how much money do you think an uninsured/underinsured person has? I think this coverage is absolutely necessary especially if you live in ANY city.

[@nuage420b]

I'm 28 through USAA progressive on an 09 R6 paying 109 a month for collision and comprehensive. But my deductible is 1000 bucks. The higher the deductible the lower the monthly. I have two speeding tickets on my record as well. Age does matter. Also the type of bike. Twins are less than inline 4's. "standard" or naked bikes will be significantly cheaper than a sport bike as well. for the best deals call and talk to an agent.

[@swaggerboy740]

Hey I have a 2004 yamaha r1 do u think its worth getting full cov or not ?

[@Ovation585]

Got a quote from progressive when I was 19 for liability on a '95 fzr and it was 1100 bucks, that's more than i paid for the bike. Now I'm 20 and own an '03 zx6r and they quoted me 130 a year for liability.

[@SOOCOOLL1]

Ok so I'm thinking of buying a Yamaha r6 2006 and I'm 19. Would you say collision would be good. Cuz I'm in a spot that I don't have the money to do all of it at this time and I'm just starting to ride.

[@xanderreeves9188]

Hey I know this comment was 10 years ago but im currently 19 and looking at getting a bike. Any updates or recommendations for someone in your spot just 10 years later?

[@ShagInTheWind]

Thats crazy!!!! When Motonosity told me about them quoting him $4,000 for a year.. my head exploded. I cant imagine more than $2,000 being feasible for most people, unless they need to find a way to spend more money for no reason. 9 times out of 10, when they quote something that high, they just don't want to mess with it. If they DO insure it, they make sure they bank on it.

[@motonosity]

My old channel was just "Motonosity"

[@ndahrct]

I have to know... what Keychain is that and where did you get it?

[@stevendelong6829]

I ride a 94 cbr900rr and its around 350 a year with progressive and I have my safety course test. Also I'm 23. That's for basic coverage. Progressive is just a high rate.

[@andrewsanderson2254]

Does any1 know how much a year or month it costs for a drz400sm for a 16yr old with not tickets or accidents for minimum coverage?

[@Inkedup128]

paying $28/month with progressive for full coverage at 24 yr old. driving a 2012 r1. and motorcycle insurance in florida is not required to drive on roads anyway. so i dont need insurqnce if i didnt want it

[@bgomez3435]

What happens when you ride more miles than estimated on your quote? Are you still covered?

[@DearMajesty]

it changes the cost pretty significantly, specifically for motorcyclists

[@cs45933]

Does it really hurt, while riding in the rain? That's what I hear. I just want proof.

[@goatmennum2]

my age my bike im looking for the same in looking at geico

[@LIFEINSPEED]

I just get quote for r1 full coverage firs bike new license they give me 158 a month in NY i took full cuz is NY may cars 80 for full coverage State farm

[@alexnelson5596]

158 a month?

[@DeeJayCG]

Bar ends and reg mirrors?