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Summer is fast approaching, and that means it’s time to get out in the wind on your bike.  We here at AutoFoundry are nearly as interested in two-wheeled vehicles as four-wheeled ones. Every season, riders try to address one of the primary financial pain points of owning a bike:  insurance.

While motorcycle insurance is less expensive than auto insurance, it can get relatively costly. There are many reasons for the high cost of motorcycle premiums including the type of bike, the maker, your age, etc. If you buy the wrong bike, the cost of your monthly premiums may make it less enjoyable to ride. Let’s have a look at the least expensive motorcycles to insure.

What The Picks Are Based On

We requested quotes from a variety of major motorcycle providers for a 30 year old male rider with a clean driving record.  Since there are multiple types of bikes, we got quotes for bikes in four different categories: 500cc and under (beginner bikes), sportbikes, sport-touring, and cruisers. So, lets have a look at how things shook out.

Beginner Bikes

Honda-Rebel cheap to insureThe Honda Rebel is the least expensive bike to insure. The 234 cc displacement has a lot to do with it. Following just behind it is the Honda CBR250R. Kawasaki’s Ninja 300 is just a few bucks more if you prefer a Kawasaki.


Triumph_Daytona_675Sportbikes usually start at the 600 cc range, so we will too. The least expensive 600 to insure is the Triumph Daytona 675. Moving on up to the 1000s, you will find the cheapest premium is for the Kawasaki ZX-10R. The ZX-10R is followed by the other Japanese brands. Ducati and Aprilia incur very steep premiums, in the YIKES range–this is largely due to their high purchase prices.


KTM-990SMTThere are too many sport-touring bikes to list. Finding the lowest rate was exhausting. After some research, we found that the bike with the cheapest premium in the category is the KTM 990 SM-T. Our search across the bigger bikes,1200 and up, produced a six way tie between the Honda ST1300, Kawasaki Concours 14, BMW R1200RT, Triumph Trophy 1200, Moto-Guzzi Norge, and the Yamaha FJR1300.


Yamaha-VStar-650-CustomFor riders who have the experience and desire for more pep, but do not like the ”crotch rocket” platform, we have the cruiser class. This group also produced a tie for least expensive. The Star V Star Custom, Honda Shadow 750, and Suzuki Boulevard S40 all have a matching premium. If you want to bump up in displacement, there is another tie, This time between the Triumph America/Speedmaster, Kawasaki Vulcan 900 Classic, and the Suzuki Boulevard C50.

Please keep in mind that your actual quote/premium may vary from the rider our list is based on. If you are not satisfied with the first quote you get, shop around.


About the author: Jerry Coffey


Jerry Coffey is the financial expert here at A recovered "debtaholic," he now preaches frugal-living and sound money management here and at, where he is the chief contributor. He works for a major automaker.


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