# now much for motorcycle insurance ?
**URL:** https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709
**Category:** Factual Questions
**Created:** [August 12, 2003, 7:31pm UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709 "2003-08-12T19:31:14Z")
**Posts on this page:** 8
**Page:** 1
### Author:  [@vasyachkin](https://boards.straightdope.com/u/vasyachkin)
#### Post date: [August 12, 2003, 7:31pm UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/1 "2003-08-12T19:31:14Z")
ok, so lets say a 22 year old in NewYork buys/leases a Yamaha R1. how much would you expect the insurance to run ?
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### Author:  [@aaslatten](https://boards.straightdope.com/u/aaslatten)
#### Post date: [August 12, 2003, 7:35pm UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/2 "2003-08-12T19:35:24Z")
Liability only is very cheap; anything more than that, expect to pay a bundle as a young alpha male. I’ve heard figures of up to $1000/month for the young man/sport bike combination.
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### Author:  [@Johnny\_L.A](https://boards.straightdope.com/u/Johnny_L.A)
#### Post date: [August 12, 2003, 10:08pm UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/3 "2003-08-12T22:08:33Z")
Full coverage for my brand-new Yamaha R1 is like $551/year. But I started riding mini-bikes when I was six, and motorcycles when I was ten. I’ve been riding longer than you’ve been alive. Longevity counts for a lot.
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### Author:  [@BrianS](https://boards.straightdope.com/u/BrianS)
#### Post date: [August 13, 2003, 12:53am UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/4 "2003-08-13T00:53:22Z")
Is it cheaper for cruisers? I wanted a sport bike for the longest time before I actually rode one… they’re none too comfortable for the long of leg.
I’m thinking of getting a little Jap cruiser now, Yamaha has a sweet 1100, but I’d probably go with a Honda, though.
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### Author:  [@JaxBeachBoy](https://boards.straightdope.com/u/JaxBeachBoy)
#### Post date: [August 13, 2003, 2:54am UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/5 "2003-08-13T02:54:30Z")
Depends wildly on the company.
IF you can get State Farm, you are in good shape. State Farm makes no provision for type of motorcycle, only engine size.
I am 29, no accidents, no tickets, and my full coverage on a 1999 R1 was $39/month through State Farm. I also have my Jeep insured through them.
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### Author:  [@vasyachkin](https://boards.straightdope.com/u/vasyachkin)
#### Post date: [August 13, 2003, 4:46am UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/6 "2003-08-13T04:46:06Z")
hm… would they consider my car-driving record, or only one for motorcycle ( none that is ) ?
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### Author:  [@Johnny\_L.A](https://boards.straightdope.com/u/Johnny_L.A)
#### Post date: [August 13, 2003, 12:48pm UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/7 "2003-08-13T12:48:39Z")
They consider your whole driving record. If you’ve had a violation within the past three years you’ll probably pay more. There is also usually an increase based on displacement. Bikes over 700cc cost more to insure than bikes over 700cc.
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### Author:  [@vasyachkin](https://boards.straightdope.com/u/vasyachkin)
#### Post date: [August 17, 2003, 5:45am UTC](https://boards.straightdope.com/t/now-much-for-motorcycle-insurance/194709/8 "2003-08-17T05:45:34Z")
thanx.