anyone have a recommendation for lowest cost insurance for two bikes, minimum legal coverage. i have an st1300 and an fjr 1300.
time to renew insurance
- Thread starter wild bill
- Start date
Try Geico. I moved my cars, house and the ST. Very happy with their rates.
I quit State Farm 2 years ago because they kept raising their rates even when I hadn't have any claims in many years.
Progressive was much better, slightly more than half of what I was paying. That was true for both the motorcycle and the car.
I had my independent insurance agent check all the rates again last month. Progressive was the best, but he said a company called "Dairyland" (I've never heard of them) was a close second in value for the dollar.
But.... the insurance on an ST-1300 is still TWICE what I'd been paying on my prior bike, a 1996 Honda Shadow 1100. I don't know if that's due to greater engine displacement, horsepower (more than double), or just the classification--- SPORT-Touring vs. typical V-twin cruiser made with overweight middle-aged men as the target audience.
Progressive was much better, slightly more than half of what I was paying. That was true for both the motorcycle and the car.
I had my independent insurance agent check all the rates again last month. Progressive was the best, but he said a company called "Dairyland" (I've never heard of them) was a close second in value for the dollar.
But.... the insurance on an ST-1300 is still TWICE what I'd been paying on my prior bike, a 1996 Honda Shadow 1100. I don't know if that's due to greater engine displacement, horsepower (more than double), or just the classification--- SPORT-Touring vs. typical V-twin cruiser made with overweight middle-aged men as the target audience.
The Complete 2025 Guide to Motorcycle Insurance In Arizona
Learn about Arizona motorcycle insurance minimums, what factors effect policy cost, and which providers are best for you as a rider in Az.
www.motorcyclelegalfoundation.com
Cheap Motorcycle Insurance (2025)
The best cheap motorcycle insurance comes from Dairyland. A full coverage policy costs $22 per month, or $262 per year.
Last edited:
Dairyland was very popular back in the days when I started riding, circa 1973; I had it for years.
I have Geico on all of my passenger vehicles and bikes, largely because of 24/7 customer service.
Call up an independent broker. They represent several companies and will shop around for the best deal for you. GEICO will only tell you about GEICO, even if they know you can get a better deal with another carrier. All the other single-carrier insurance companies will do the same.
When I went looking for insurance, I did an online search for customer satisfaction ratings in my state. It does no good to get the cheapest insurance if they will nickle and dime you to death, leaving you with a bad taste in your mouth.
I would also look at what your medical insurance covers. You want basic coverage on the two bikes. What if you get in an accident and need to be airlifted? Is that covered? My motorcycle medical had about $5000 coverage, and that was probably used up in the first 15 minutes. I was airlifted from Northern California to Medford, OR. I think the cost of the helicopter ride was $90,000 alone. Then there was the X-Rays and other tests. I paid nothing.
Believe it or not, in some localities, if you damage one of the road markers on the side of the road, you are liable for replacing it. Cha-ching!
I didn't wake up in the morning last June saying that this seemed like a good day to get into an accident. Till it happened, I wouldn't have even said it was going to happen. One moment, everything was great. The next, it wasn't. We don't buy insurance planning to get into an accident. But when we need it, we don't want to have the cheapest insurance around.
Chris
When I went looking for insurance, I did an online search for customer satisfaction ratings in my state. It does no good to get the cheapest insurance if they will nickle and dime you to death, leaving you with a bad taste in your mouth.
I would also look at what your medical insurance covers. You want basic coverage on the two bikes. What if you get in an accident and need to be airlifted? Is that covered? My motorcycle medical had about $5000 coverage, and that was probably used up in the first 15 minutes. I was airlifted from Northern California to Medford, OR. I think the cost of the helicopter ride was $90,000 alone. Then there was the X-Rays and other tests. I paid nothing.
Believe it or not, in some localities, if you damage one of the road markers on the side of the road, you are liable for replacing it. Cha-ching!
I didn't wake up in the morning last June saying that this seemed like a good day to get into an accident. Till it happened, I wouldn't have even said it was going to happen. One moment, everything was great. The next, it wasn't. We don't buy insurance planning to get into an accident. But when we need it, we don't want to have the cheapest insurance around.
Chris
I have Foremost Insurance through AARP. It was much less than anything else I could find.
I'm in NJ and I pay $485 for the ST1300 and Triumph 1200.
I'm in NJ and I pay $485 for the ST1300 and Triumph 1200.
mhagen
FaSTer PaSTor
I, too, have Foremost insurance through AARP. Lowest prices and great service.
Progressive for me through USAA because USAA doesn't insure bikes. $396/yr for ST13, ST11 and a Vstromwith full comp and collision. My 85 Shadow 1100 was $65 ish for a full year of the same coverage the year I purchased the ST.
Gott'a watch them all closely both when shopping for insurance and your current. The recent fire and flood disasters we've seen nationwide are going to kick us in the wallet to some degree....likely slowly.....regardless of where we live. Watch for coverage changes, not just the annual bill total.
- Joined
- Feb 11, 2006
- Messages
- 8,043
- Location
- Jacksonville
- Bike
- GL1800 R1200RT NC700
- 2025 Miles
- 002813
Too many individual variables to compare apples to apples. Shop around the brand names.