Top 9 Most Expensive Motorcycles To Insure

Lately, we published a tale on the least expensive motorcycles to insure. Within it, the bikes were broken down by class, realizing that consumers aren’t considering a listing fully of small-displacement beginner bikes. We also kept the list to current models (2013 in this case) available in the United States.

This particular time we’re going the other direction. Here we have the Top 5 priciest motorcycles to guarantee. Yes, we could have listed ten uber-expensive and super-rare motorcycles which cost a fortune to guarantee, but in the name of practicality this checklist is comprised of produced in higher quantities 2013 models the vast majority of folks can actually buy.

Again, we averaged quotes from different insurance policy providers to come upward with our rankings. The fictitious rider is a 30 year-old male, qualified for ten years, with a clean record moving into Los Angeles. As always, shop around with your personal and other insurance providers to get rate quotes customized for you and your situation.

9. Harley-Davidson Ultra Classic Electra Glide

The only United states motorcycle to make the list, Harley’s big young man, the Electra Glide, comes in at the 10th spot for most expensive bikes to insure. Whenever you factor the quantity of hard parts, especially chrome pieces, that need to get replaced in the event of a crash, then it is easy to understand the spot on this checklist.

8. Tie Ducati 848 EVO and Ducati Streetfighter 848

It’s not surprising the 848 EVO and Streetfighter 848 occupy the 8th spot, considering in the eyes of insurance firms the two are largely the same motorcycle. Factor in the very fact they’re both sports activity (or sporty) bikes and the chance factor insurance companies look for goes upward. As you’ll soon see, Ducati’s rank amidst the most expensive production bicycles to insure, and these are just two of the four Ducatis on this list. The almost all of any manufacturer.

7. Ducati Diavel

While not a sportbike, per se, the name Ducati emblazoned on the side of the tank doesn’t help the Diavel’s case in the eyes of the insurance policy companies we queried. Regarding a number of reasons, not least of which is its powerful 1198cc V-Twin engine, semblance of sporting intentions and the aforementioned name on the tank, insurance firms feel the need to charge more for this urban-cruising bad boy.

6. Ducati Panigale

Sportbikes have a notable role with this list, and when you add an exotic example like the Ducati 1199 Panigale, insurance policy for them isn’t cheap. There was a broad variance in quotes between different companies – the Panigale could have been the second-most expensive on this list if we only used the highest estimate. Though we also found significantly lower rates, which helps reduce the average. But unsurprisingly, the technology-laden Panigale is Ducati’s most expensive motorcycle to guarantee.


Maybe its relative exclusivity rates KTM’s RC8R higher with this list than any Ducati. Despite not having electro-wizardy like traction control, AB MUSCLES, ride modes, electronic suspension system, and so forth, the average of quotes we found for the KTM put it right in the center of this list. This makes sense: with components that are more difficult to source in the event of a drop, costs to replace and repair these things go upward. Just some of the many factors insurance companies consider when basing their rates.

4. Honda CBR1000RR

A current report published by the National Insurance Crime Bureau explained that, in 2011, Honda was the the majority of stolen brand of motorcycle. Not good news for current or potential Honda CBR1000RR owners. And assuming the owners had the appropriate coverage, insurance providers then experienced to pay out their own customers to replace their own ride. Also factor sportbikes generally speaking are among the most expensive motorcycles to insure and liter-class versions even more so, and the CBR1000RR earns its fourth place ranking.

3. Suzuki GSX-R1000

Honda may become the most stolen brand, but Suzuki’s GSX-R collection is constantly among the most popular sportbikes around the sales floor, and the GSX-R1000 is the the majority of expensive of the three iterations to insure, and the costliest literbike to make sure in general.

2. Kawasaki ZX-14R

If literbikes cost so much to insure, then it’s no surprise 1 of, if not the, speediest production motorcycle in the world, Kawasaki’s ZX-14R, costs much more. Capable of sub-ten-second quarter-mile times and almost 200 hp in the wheel from the 1441cc engine, the ZX carries a high risk factor. And high insurance rates.

1. Suzuki Hayabusa

Obviously, if the ZX-14R has been in the second spot, the Suzuki Hayabusa would become the only choice for that most expensive motorcycle to insure. The ‘Busa stocks all the performance numbers (and risk factors) of the Kawi having a slightly smaller 1340cc engine, too, but has been around longer (since 1999, before the 186-mph gentlemen’s agreement with regard to top speed among the manufacturers), giving riders more time to make mistakes to them. Thus, more insurance coverage claims and one of the highest rates nowadays. Like the ZX-14R, all of us found rates varying drastically between different carriers, although on average the Suzuki was marginally pricier to insure.

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