Best and Worst Motorcycles to Insure

If you're thinking about buying a motorcycle, there are a lot of factors to consider. How often will you use it? Will you be driving around town or hitting the open road? How much will it cost to insure? No matter what style of bike you prefer, there are some that are considerably more expensive to insure and a few that will go a little easier on the bank account. The three main factors for insurance pricing are value, age and horsepower of the bike.

Older, cheaper and less powerful bikes are generally more affordable less expensive to insure while newer, more expensive and faster bikes are more expensive.

Below are the three least expensive and most expensive motorcycles to insure.

Top 3 Best Motorcycles For Insurance

Beginner Bike – Honda Rebel

One of the most common bikes for those who are just starting out is the Honda Rebel. This bike is a good all-purpose bike that is very affordable to insure. Because of its 234cc V-twin engine, it has the power to get you where you're going without the hazards of more powerful performance bikes. Another advantage? Not only is this bike great for your insurance budget, it's well made and should last for a long time.

Sportbike – Triumph Daytona 675

If its precision engineering and moderate speed you crave, the Triumph Daytona 675 makes maximum use of its 675cc engine. Triumph's special features like standard Anti-Lock Brake system (in the U.S.) improve the safety of the rider and endear this sportbike to insurance companies. Match this with the lower horsepower and you get a great performance bike without paying the high-end premiums.

Cruiser – Suzuki Boulevard S40

A stylish, but deceptively simple motorcycle, the 2012 Suzuki Boulevard S40 has everything you need for comfortable, reliable riding on short or long trips, without the added insurance expense of a big engine. Insurance companies value reliability and that's just what this bike brings to the table.

Top 3 Worst Motorcycles For Insurance

Beginner – Ducati Monster 696

Though it is an approachable bike from a rider standpoint, the Ducati Monster 696 is an expensive bike for a beginner. Coming in at a whopping $10,000, the price of the bike alone makes it expensive to insure. Because this bike boasts easy handling and a relatively modest engine size, it's approachable to beginning riders. However, this same modest performance and overpricing means the Ducati Monster 696 will hit the pocketbook hard, both at the point of sale and with your insurance company.

Sportbike – Suzuki Hayabusa

With a base price of $14,599 and a whopping 1340cc engine, the Suzuki Hayabusa is a high-performance beast that is not for the frugal type. And it's definitely not for a new rider. Built to be one of the fastest street bikes available, the Hayabusa offers the kind of power and top-end speed that makes mothers and insurance companies cringe.

Premiums for a sport bike with this kind of capability are predictably high.

Cruiser – Harley Davidson Ultra Classic Electra Glide

A big, comfortable bike built for the long hauls, the Ultra Classic Electra Glide is not a bike to be trifled with. With a price tag over $24,000 and a 1690cc engine, it's a beast of a bike that is built for luxury performance. Those factors alone inflate the insurance costs, but when you throw in a celebration of chrome, leather and technology, you get a super-cool bike with lots of parts to steal and that's very expensive to repair in the event of an accident.

High repair/replacement costs mean high insurance premiums.

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