Honda motorcycle insurance rates

Honda car insurance rates by model

• How we got this rate

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • ST1300 ABS, VFR1200, CTX700ND, CB1100, CBR1000RR, CBR500R, CB1000R, GROM, XR650L, PCX150, CRF450X, CRF450X, and CRF250L
  • No accidents in the past five years
  • Driver located in New York
  • Good credit

  Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.

  Other factors that can affect your auto insurance rate

  • Honda model year
  • Vehicle’s trim
  • Amount of coverage you need
  • Estimated miles you drive in a year
  • Vehicle’s safety and anti-theft features
  • Driver’s credit score and location
  • Driver’s age, marital status and gender
  • Driving history in the past five years
  • Whether the driver rents, leases or owns the vehicle

How to compare insurance for Honda motorcycles

The model you own will determine your level of coverage and how much you pay. High-performance Hondas like the CBR may warrant more curated coverage with specialty insurance for sports bikes. When deciding on insurance, consider:

• The deductible. How much you pay out of pocket after an accident determines your premium. A higher deductible will give you a lower premium and vice versa.
• Minimum coverage. Where you live will affect the minimum coverage for your motorcycle. But most states require liability and personal injury protection (PIP) to help pay if you’re injured after a crash.
• Additional coverage. If you use your bike for commuting, collision coverage could help if you’re in an accident. And because Hondas have the highest rate for theft, consider adding comprehensive coverage to your policy.
• Lay-up insurance. Live in a part of the country with a chilly off-season? Lay-up insurance keeps your bike covered during the cold months when you’re not riding. This protects it from theft and damage at a lower rate while it’s stored.
• Discounts. Look for discounts for paying your policy annually, staying accident-free or taking safety courses. Some providers cut you a break if you bundle your car and bike coverage.
• Warranty. Most Hondas come with a one-year limited transferable warranty. It includes nationwide coverage, roadside assistance and no mileage limit or deductible. Additionally, its HondaCare can provide up to five years of coverage — excluding racing models like the CR and CFRs.

Bottom line

Honda offers a slew of two-wheeled options, from scooters to racing sports models. You may find savings with discounts that take into account your driving history, how often you pay and how much you drive. Compare motorcycle insurers to find the best insurance for your situation.

Frequently asked questions about Honda bike insurance

• What is a Honda ProFirst facility?

  This is a repair shop that’s certified by American Honda Motor Co. for repairs that use the parts, tools and have the training to work on your specific make and model.

• What's the average cost of motorcycle insurance?

  The national average for motorcycle insurance is $515 annually, which could be more or less than you’ll pay for your Honda. However, the cost of motorcycle insurance depends on factors like your driving record, make and model of your bike and where you live.

Written by

Leah Fallon

Editor

Leah Fallon is a freelance journalist and editor, specializing in personal finance and small business. She owns Birch Tree Bookstore in Leesburg, Virginia. See full bio