Honda CBR300R Insurance

The Honda CBR300R is the successor of the CBR250R, introduced to compete with such 300cc sport bikes as the Ninja 300, Yamaha R3, and KTM RC390. With a longer stroke than the earlier version, the CBR300R offers 30.5 horsepower from a 286cc single cylinder engine and a 0-60 time of 7.8 seconds.

The CBR lineup has long been known as an elite series of sport bikes, which can be expensive to insure. While the CBR300 may not be as expensive as its larger siblings, it may still be classified as a “performance bike” or “supersport.” For this reason, it’s smart to research what your rates will be so you don’t overpay.

CBR300R Insurance Rates

Premiums vary widely for any bike, based on a wealth of factors: make and model of bike, driving record, rider’s age, state, and credit score. It is very difficult to say what your rates will be, but here are a few examples from various CBR300R riders:

• Male, mid 20s, Washington, clean record, full coverage:  $400/year
• Male, 48, Los Angeles, clean record, full coverage: $376/year
• Male, 21, Alabama, clean record, liability-only:  $228
• Male, 50+, Florida, clean record, full coverage: $128 per year

Notably, the last user reported that another major insurer quotes $730 per year for the same bike and coverage. Rates may vary widely based on the insurer, as different companies classify the CBR in different ways. Some classify the bike as a performance or sport bike, while others do not. For this reason, it’s important to compare quotes from various companies to get the most affordable rates.

Honda CBR300R History

The CBR300R evolved from the popular CBR250R, with a longer-stroke engine developed in response to the Ninja 300. Horsepower increased from 26 to 30.5, with torque levels rising from 17 to 20 lb-ft. The CBR300R has been lauded for its handling, comfort, and blend of beginner usability and peppy performance. This puts the bike in direct competition with other 300cc sport bikes such as the Ninja 300 and Yamaha R3.

There is also a naked variant, the CB300F, introduced in 2015. The bike is slightly lighter with more upright ergos — the rest of the machine is near identical to the CBR. A re-tuned version of the 286cc motor is also used in the Honda Rebel 300, which has received rave reviews.

Honda CBR300 Coverage Recommendations

In the United States, liability coverage is required nearly everywhere — though coverage requirements vary.  Importantly, if you finance your bike through a dealer, bank, or credit union, you will, most likely, be required to carry full coverage — including collision and comprehensive coverage. This is good, as liability coverage only covers damages to another party in an accident — it does not over your actual bike.

Compare Rates Before You Buy

The best way to keep your premiums in check is to shop your coverage around. That is why we have created an easy to use tool so that you can get quotes from multiple companies that insure sport bikes. Enter your zip code below to begin.