almost 1900 a year for liability and fire and theft here for a gixxer 1000. its through state farm and i live in niagara, it would go down 600 a year if i brought both of my vehicles over but the total cost would still be 120 a month more in the end because state farm cant touch my car rates and they want 200 a year more to insure my house. so for my bike insurance to drop to 1300 a year id have to spend 320 more on than im currently paying for everything now. face it, bikes are a luxury item, theyre a want not a need, we ride because we want to not because we need to, so being a luxury item we pay extra for it. plus its such an easy item to steal that we get dinged even more