Insurance Rates - Honda CBR250R Forum : Honda CBR 250 Forums
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post #1 of 22 Old 10-27-2012, 02:42 PM Thread Starter
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Insurance Rates

I have had some small Honda cycles and scooters for several years and few months ago I bought my first acual motorcycle. A 2012 CBR250r . When I called ny m/c insurance folks ( Foremost ) I was a little taken back on the rate. I do have full coverage but nothing extraordinay. I am 60 with a flawless driving record and only use the bike for pleasure riding and my rate is $ 539 a year in phoenix. I have been looking at a new Honda NC700X and called my insurance co. to check rates and was told full coverage on that bike was $ 377 a year . My cbr was $3499 with a 249cc engine and the nc700 is $8999 with a 670cc engine, nearly 3 times the price and 3 times the engine and way less to insure. When I asked why the difference the agent told me that because the cbr250r is considered a beginner bike and the r in the model number means "race" , and likely to get in an accident. In contrast they informed me that a cbr600r is $120 a year less to insure. I really like the bike but may send it down the road and get the nc700
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post #2 of 22 Old 10-27-2012, 03:14 PM
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Check out progressive; they usually have the best rates.
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post #3 of 22 Old 10-27-2012, 03:20 PM
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Originally Posted by putoff View Post
Check out progressive; they usually have the best rates.
Not so sure abiut that here either. I'm 54 and have had my motorcycle license since I was 18. No tickets, no accidents, and 32 years with USAA. They don't insure bikes but put you through their affiliate...Progressive. I pre paid them a full year at $444 . I only pay $600 yr full coverage 100 ded for a 2012 Ford Edge! Yes for some reason this little bike is expensive to insure....oh well, it's still a blast to own.
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post #4 of 22 Old 10-27-2012, 03:31 PM
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For my 2011 cbr250r I paid $189 for full coverage for the entire year with Progressive here in TN. I was 26 and it was my first bike. I was taken back by how extremely dirt cheap it was. After a year with a motorcycle license and still a clean record, I have a 2012 cbr600rr and my rate is almost 10 times more now at $1,300 a year.
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post #5 of 22 Old 10-27-2012, 04:06 PM
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I think I pay $600 a year for 2 CBRs. With Progressive. Too many variables to go into that make up an individual rate, but if you search the forum on "insurance", you can find a few of my thoughts on the subject. I'm an insurance agent in Illinois. Hope you find the best combo of coverage and price in your area. PM me if you have questions you think I can answer.

CBR 250r Red/Silver (mine)
CBR 250r Black/Black (wife's)

Sweeping cobwebs from the edges of my mind
Had to get away to see what we could find
Hope the days that lie ahead
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post #6 of 22 Old 10-27-2012, 04:15 PM
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Check to see which quotes have uninsured motorist coverage and which ones don't. It's optional, so it may not be offered when you call. On a cager policy UM add a couple of dollars, but on a bike it's 10X more expensive.

The reason is that if someone hits and runs you, (which is likely) you are very likely to sustain major damage to your body and bike. So it's very expensive. In a car it's not as easy for someone to cause you major damage and get away with it.

You can safely skip the uninsured property damage if you have collision. And you can maybe skip uninsured bodily damage if you have really good health insurance. But if you have to get life-flighted somewhere it's a $30,000 bill, so be prepared.
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post #7 of 22 Old 10-27-2012, 04:21 PM
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i have full coverage from a sub carrier from AARP Hartford for 109$ a year.
45 with a clean license in SC.

off the grid
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post #8 of 22 Old 10-27-2012, 10:36 PM
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I was a little surprised that Allstate wanted to double my insurance from 720 to 1440$ a year when I sold my 2006 Harley Sportster 1200 for the CBR250r. My Harley cost more to repair and could go over 100mph. I had to switch to Geico to keep the same 720$ a year. 35 clean driving record NC.
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post #9 of 22 Old 10-27-2012, 11:26 PM
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cheapest provided i could find was progressive. 22 years old clean driving record. first motorcycle $1016/year
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post #10 of 22 Old 10-28-2012, 07:08 AM
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$43/month AAA, but my wife and I have insured autos 14 yrs with them. Just got my bike and license the same day last week.
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