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Yamaha motorcycle insurance rates

High theft rates means you may need more coverage.

Yamaha insurance rates can range from around $75 to $500 monthly for basic coverage depending on which model you choose. Narrow down motorcycle insurers by roadside assistance, accident forgiveness and more to get a quote.

1 - 6 of 6
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Elephant
loan/lease coverage
Yes
No
No
GA, IL, IN, MD, OH, TN, TX, VA
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
AAA motorcycle insurance
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
Savvy
Yes
Depends on provider
No
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
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How much is Yamaha insurance?

Insuring a motorcycle typically costs less than insuring a car, with the average motorcycle premiums ranging from anywhere from $280 to $900. And with Yamaha being the second-most stolen bike in the US, you might consider adding comprehensive coverage to your plan.

Yamaha motorcycles have relatively low prices, so expect to find affordable motorcycle insurance, barring any personal factors like a sketchy riding history. For example, a 30-year-old with a couple years of riding experience living in Florida looking to insure their YZF-R6 can find basic coverage prices ranging from $92 a month, up to $215 a month for full coverage with all the bells and whistles.

Yamaha motorcycle insurance rates by model

ModelMonthly Insurance RateBase motorcycle price
Motocross$83$6,599
Cross Country$94$9,599
Trail$83$4,449
Dual Sport$83$6,699
Supersport$492$17,399
Sport Heritage$75$7,999
Adventure Touring$127$15,099
Sport Touring$160$16,399
Scooter$76$3,499

How to compare insurance for Yamaha motorcycles

Factors that can determine the cost of your policy can include:

  • MRSP. Yamaha can cost between $1,000 and $27,000 . The more expensive your bike, the higher your premium.
  • Theft rates. Yamahas have a high theft rate — the second highest after Hondas. Your insurance will be higher, and adding on comprehensive coverage might be a good idea.
  • Coverage options. Liability-only insurance is cheap, but it could leave you underinsured. Consider adding collision and comprehensive if you drive a newer Yamaha or it’s your daily ride.
  • Deductible. You can save money on your premium by choosing a higher deductible. But make sure that higher deductible won’t put you in a financial hard spot if you ever need to make a claim.
  • Discounts. Most insurance providers offer discounts — some more than others. When comparing insurance companies, look for opportunities to save, like for staying accident free and insuring more than one vehicle.
  • Membership discounts. Many insurance providers offer discounts to members of riding organizations, like Yamaha’s STAR Touring and Riding club.
  • Warranty. Your Yamaha comes with a one-year unlimited mile warranty on repairs, but it doesn’t come with towing. You might want to consider adding roadside assistance to your insurance policy to be covered if you ever need a tow.

Bottom line

To get a deal on your insurance premium for this popular ride, see if you qualify for discounts and get the coverage you need. Compare your options from a number of providers.

Frequently asked questions about Yamaha insurance

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