U.S. Insurance for CB1000R as High as for Fireblade?!?
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  1. #1
    Junior Member Parkway Coaster's Avatar
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    Unhappy U.S. Insurance for CB1000R as High as for Fireblade?!?

    I am absolutly fascinated by the CB1000R and I am about to buy a new 2011 model which I found at a local dealership in North Carolina, USA. I think I am forgetting my loyalty to my beloved Kawasaki Z1000.

    In doing my pre-purchase due diligence I was told that the annual insurance premium for the CB1000R would be just as hight as that for the CBR1000RR Fireblade (in the U.S.)! Can anybody confirm that or--better--give me a contradicting example based on your own experience?

    In the U.S. the CB1000R is classified as Allrounder with "just" 125HP (92kW), while the CBR1000RR Fireblade is a Supersport bike with 177HP (130kW). How can they cost the same insurance? The local agent says it's because they have the same motor. That is true and wrong. Mechanically it's the same motor, but displacement, mapping, characteristics and hence performace are distinctly different, with the CB1000R being much "tamer". I would expect it to be insured at the same level as the Kawasaki Z1000 or Triumph Speed Triple, but not at 200% (!) the rate which is what you pay for the Fireblade.

    Any insights? Any facts that help me get a better insurance? -- Thanks!

  2. #2
    Senior Member Broc's Avatar
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    I had similar issues while I was researching as well.......I am really amazed any insurance agent would know the cbr and cb share a motor, unless they are an avid sport biker.

    Every insurance company I looked at didn't even have a listing for the CB1000R. All the companies I tried to get quotes for did not initially show the CB1000R just the CBR1000RR. When I first got all the quotes it was down right ridiculous, between $1500-2500/YR....obviously I pointed out the error seeing as this is a sport bike & not a super sport. I was able to get some companies to actual make a listing or reclassify the bike entirely. In the end the price came down considerably but is still higher than any other bike in it's class for me. (ie. z1000, speed triples, fz1, etc) For example I was able to get my current company to insure my bike with full coverage @ $600.00-700.00/YR. I am not exactly sure since I was able to add a second motorcycle to my plan for practically free, my insurance actually went up without the second bike. Just shows you how screwy insurance really is, my insurance agent was even amazed.

    So to compare every other bike I looked at (ie. z1000, speed triples, fz1, etc) was generally around $300.00-$500.00/YR. The CB1000R was always more expensive even though most of the other bikes actually have larger displacement engines & more horsepower/torque! Possibly because of the rarity and cost of the parts due to this?

    Just make sure whom every you are receiving a quote from leaves off the "R" on "CB" & "1000". People who don't know bikes generally just hear "CBRRRRRR1000RRRRRRR" lol

    My 2 cents and my experience....obviously these #'s will differ greatly between individuals. I am interested to know what everyone else in the US pays?
    Last edited by Broc; 07-27-2012 at 06:32 PM.

  3. #3
    Senior Member KNSK's Avatar
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    AAA has reasonable rates as long as you have a good record. I shopped around and also got the CBR treatment like Broc said. It also helps to leave off the "R" so they don't put you into the race replica category.
    "Fixation is the way to death, fluidity is the way to life." — Miyamoto Musashi

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  5. #4
    Member flyonwall's Avatar
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    I went through the same problem also... I almost didn't purchase the bike because the insurance was so high
    through progressive, Allstate, state farm and alabama under writers and I have clean recorded and it was going to
    cost 2,000.00 a year through them! Luckily I remembered about GMAC insurance I had several years ago on a sports
    car I had and they were cheaper then anyone else..so I gave them a call and got a quote and I about feel out the chair
    when they told me the price.... I asked the guy if he was reading it right... I pay 503.00 a year for full coverage!!
    Needless to say I bought the bike later that day and call GMAC back and signed up!

  6. #5
    Member sw0gg's Avatar
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    Geico insured my 2012 for $600 a year full coverage.

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    Member e-money's Avatar
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    I use american family and my insurance is $370 a year I thought that was very good I dont know if it actually made a difference but I stressed the point that it is not a 1000cc but a 998cc which I belive puts it in a lower price class.

  8. #7
    Member desmoface's Avatar
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    I'm actually an insurance agent and also shopped around for insurance on the cb1kr. The cheapest I found was Motorcycle Insurance: Rider Insurance, Motorcycle Insurance for New Jersey, Ohio, Pennsylvania, West Virginia, Indiana, Maryland

    It was under $400 per yr for me. That said, I'm 47, married and clean. Let us know what you find.

    Steve
    05 st3
    00 sv 650

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    Senior Member BrutusFureus's Avatar
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    Quote Originally Posted by e-money View Post
    I use american family and my insurance is $370 a year I thought that was very good I dont know if it actually made a difference but I stressed the point that it is not a 1000cc but a 998cc which I belive puts it in a lower price class.
    I Insured My CB1300 for £88 GBP ...( $ 137 ) ,, This wont Help !!!

  10. #9
    Junior Member Mebirkle's Avatar
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    I just got insurance with progressive and full coverage for $405 / year. I have been told that they insure toys such as boats, motorcycles, jet ski's, etc. and provide the special rates. Not sure if that is 100% accurate but thought I would pass that along.

  11. #10
    Junior Member slwdn4u's Avatar
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    I am in Columbus Ohio, 47 male divorced, and have one speed violation 3 years ago. the cheapest I have found is Geico at US $1650/ yr. the highest was over US $4700/yr...

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