I went with the Harley program through Sentry. $832. 250/500/100 bi/pd, 100/500 deductibles. Um/uim, medical. I work for an insurance company so loaded the policy up with about everything. I am 32 and have one accident so it is a little higher right now until that falls off.

 

…I work for an insurance company…

Since you do, can you give us the factors that determine individual rates?

 

No one will care if I pulled up on a 2023/2024 ZX-6R. No matter what that bike is just a footnote whereas the ZX-4RR is quite the conversation piece and way more interesting ride.

 

I'm 33 and live in Vegas. I pay about 1700 a year for 250/500k, no medical or uninsured, 1k deductibles through Progressive. I have 15 years of riding experience, no recent safety courses or other discounts.

 

That's about what I'm paying at $1400 for the 4RR and the Ninja400.
$1,000 deductible on everything for the 4RR and basic under insured motorist with uninsured motorist for the Ninja400.

I've got the MSF course certificate, 2 day Champ School certificate for their riding school, and 4 Smith System defensive driving certificates and Prigressive would not give a discount for me even though I've been with them for years.

No accidents that were my fault and a clean driving record and I'm still having to pay $1,400 a year for the bikes. 🤬

All the money I've spent on any kind of insurance over my lifetime would've made me a wealthy man.
Such a scam when you're never injured, sick, and know how to drive safely. 😏

 

I went with Geico, i think it was 725/year.
1k deductible for both collision and comp.

I have everything else with progressive and it was still a bit over 400 dollars extra a year, so i just left it with gieco.

Clean record but only 1.5 year riding history.

For reference, I quoted an R7 and a ZX6R with progressive and they were both around 1200/year with the R7 being a bit cheaper. I wanted an R7 but the insurance 100% sealed the deal to get the ZX4RR. I do not ride a whole lot, so i didn't want to pay over 1k a year to only ride 1000 miles.

I had to edit this, apparently Gieco had reviewed my policy and added 300 dollars a year. Not too happy about that but still cheaper than progressive. It came in about the same price that a ninja 650 was going to cost me and still almost half the price of a zx6 or the like.

 

Seems on average 2/3 the power for about 1/3 the insurance cost....the key is looking at the copart auctions....fair amount of 636s on insurance rolls at times...

 

The much higher premium for the 600’s over the 400’s is what really helped me with the decision to get the ZX-4RR. The 600 was almost three times as much as the ZX-4RR.

 

I have full coverage from USAA/Progressive with $1,000 deductible, comp and collision with $0 deductible plus all the other stuff like uninsured, pip and $3k accessory coverage all for $215/yr or $17.92/mo with multi bike discount and some other discounts.

I pay $364/yr all in for 3 bikes and one of the others is also full coverage and one is bare minimum.

Its really affordable .

 

Westchester, NY. Had to go with Geico as my home/auto does not insure motorcycles so no multi line discount. $850/annually, 300k liability and $1000 collision/comp deductible. It’s high but so is everything in NY.

 

progressive, multi bike policy, multi year policy holder
46 years old, 29 year riding history, wife on policy 43 y.o., 20 year riding history

I actually had to completely redo my policy to make it this low with less coverage than I usually take.

 

None of the numbers listed here mean much of anything unless the specific coverage are also listed.

 

Merging the threads would be useful.

How old are you and how many years have you been licensed to ride?

 

My State Farm agent got me full coverage with $50 deductible for $46 a month.

 

Mine is full coverage too, but with a $50 deductible. They wouldn’t do the $0 deductible like I have on my pickup.

 

$118 a year for what coverage? Liability? What limits? Uninsured motorist? Collision? Comprehensive? What deductibles?

 

Discussed last month--

4RR vs 6R, Insurance

ZX-4RR.. Not only for the fun factor, but also for the cost of ownership. Called my insurance agent (mom) and got a quote for each (Houston / State Farm). ZX-4RR = $57 a month ZX-6R = $126 a month This ultimately made my decision to pull the trigger on the ZX-4RR.

www.zx4rforum.com

Details in post.

 

Roughly $118 per year

 

With what company? Is that for full coverage?

 

What is the crazy high amount that you are paying?

 

$87/mo full coverage, 500 deduct all around. My previous was $57/mo full coverage, 100 deduct for 5 bikes: 2 dual-sports (klx250s), a Harley sportster, a '13 ninja 300, and a Ducati 748s.

 

I’m paying $46 a month for the ZX-4RR through State Farm.

 

Hello everybody,
I was one of the first in Illinois to place an order on the zx4rr and was able to secure one of only 2 that my preferred dealer received. I think now all of them are sold out for the area at least. I was hoping to get some input on what people are getting for insurance on this bike because I am paying a crazy high amount for the one I got. I have progressive and this is not the only bike I have insured, no accidents history, multiple year customer.
thanks in advance
-m

 

It added $15 a month to my policy. But I only got liability.

 

$398 a year for full coverage with 1k deductible.

 

Exactly, amirite? I'm sitting at $440 and I've technically still only got my "learners" license here. The extra performance isn't worth the penalty. I had a buddy say that every R is $1000 in insurance and I feel like this bike is a bargain for what you get. What a machine to ride. I've put 175 miles on in the past 2 days and it's unreal fun.

 

Dude. I'm paying 36 dollars a month for my ZX 4RR, full coverage with 1k deductible. It's incredible value.

 

How are you guys getting so low?! Full coverage at 170$ for me, and I went shopping hard to find a good deal. Struggles of being young (ish)

 

I can never get low coverage. 31 with no accidents, no tickets, I get destroyed every time.
Lowest I could get mine was $120 per/mo

 

I can never get low coverage.

This, I don't even bother asking for full coverage, all quotes are outrageous for cars and bikes. I guess they probably know my job description and income. So I carry minimum, and I don't drive/ride like a jackazz.

 

My insurance had to have messed up. $440 full coverage, for the year, so 36 bucks a month. You couldn't insure a lawnmower for that low....

 

Insurance was no factor for me, this bike is unprecedented.
There is no other sub 600cc bike in a small, narrow package with modern electronics.
There has never been one, ever, in the history of motorcycles that I know of that has been offered up to the public.

 

Insurance was definitely a factor for me. Almost triple (from my quote) going from a Ninja 400 to 6R. I expected the ZX4R to fall somewhere in the middle of the two which I was okay with. Since this will be my main bike (for now!!), thinking about long term cost was important. That, as well as gas, maint. etc etc. It was not an easy decision though. Really loved how the 6R rode. But as they say, a candle that burns twice as bright burns half as long. And I'm not anywhere near proficient to be riding a 600. Maybe 5 years down the line.