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Yamaha motorcycle insurance rates

High theft rates means you may need more coverage.

Updated

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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.

Top Yamaha models
 

Motocross
Cross Country
Trail
Dual Sport
Supersport
Sport Heritage
Adventure Touring
Sport Touring
Scooter

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.

Yamaha car 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

Get motorcycle insurance for your Yamaha

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Get protection for any kind of bike with this big-name provider. Enjoy discounts galore plus cheap rates and free perks designed for bikers.
Geico motorcycle insurance
Optional
Yes
All 50 states
This well-advertised insurer lives up to its reputation with discounts, low rates and no-fuss coverage for bikes.
Allstate motorcycle insurance
Included free
Yes
All 50 states
Choose the most comprehensive coverage for your bike and save up to 50% with Allstate's discounts.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Get add-ons to cover bike replacement and accessories and get rewarded for safe riding.
Esurance motorcycle insurance
Included free
No
43 states
Esurance offers discounts and wide motorcycle coverage with tech-focused account management and 24/7 claims.
Farmers motorcycle insurance
Included free
No
All 50 states
Get personalized service, optional coverage packages and rewards for safe driving with Farmers motorcycle insurance.
The General motorcycle insurance
Optional
No
43 states
The General offers no-frills motorcycle insurance for drivers who have a hard time getting coverage elsewhere.
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Compare up to 4 providers

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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