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.

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

• 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

Get motorcycle insurance for your Yamaha

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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	Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.	Get quotes More Info	Compare	loading Fetching your data...
Allstate motorcycle insurance		Included free	Yes	All 50 states	One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.	Get quotes More Info	Compare	loading Fetching your data...
Esurance motorcycle insurance		Included free	No	43 states	Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual motorcycle insurance		Optional	No	All 50 states	Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.	Get quotes More Info	Compare	loading Fetching your data...
The General motorcycle insurance		Optional	No	43 states	Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.	Get quotes More Info	Compare	loading Fetching your data...

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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.

• Is motorcycle insurance required?

  In all but four states, yes. It isn’t required in Florida, New Hampshire, Montana and Washington.