Sorry dude but that rate sounds about right. I bought my ninja 250r when I was 22 years old. Clean record, new rider, coarse taken, G2M2. Got a quote from TD again last year on the ninja, 24 years old now, still about 4k(7months). Again clean record etc, etc. I ride a Yamaha R6 now, brand new and was paying 436 per month last year (12 months state farm). Believe me I know exactly how you feel. There is no other cheaper insurance company ( I've tried v.v ) as far as I know. People here will suggest some, but majority companies have restrictions such as "you must be riding for 5 years" -_-. Truth be told THEY DO NOT WANT YOU RIDING NOR DO THEY TRUST YOU. I'll be turning 25 this April and my R6 Insurance drops to 138 per month (12months). Oh, and location matters also. Live in Brampton/Sauga... forget about it.