Yamaha motorcycle insurance rates

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

• How we got this rate

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

  • YZ125, YZ450FX, TTR230, WR250R, YZFR1, Bolt, Super Tenere, FJR1300A and Zuma125
  • 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

  • Ford Mustang 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 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

• What is Yamaha's YES program?

  Yamaha Extended Service, or YES program is Yamaha’s extended warranty program. You can choose from several coverage terms to tailor your protection to your needs.

• Does Yamaha offer any motorcycle training?

  Yes. Yamaha partners with a few different training organizations to offer its riders more experience. The completion of some courses can even save you money on your insurance.

Written by

Julia Cameron

Writer

Julia Cameron is a freelance journalist and editor, specializing in personal finance, mergers and acquisitions and immigration law. Her writing and analysis has been featured in TechRadar, MSN, Harper's Bazaar, Time and other top media. She holds a BA in English literature from the University of Central Florida. See full bio