Honda CBR1000RR Insurance

The CBR1000RR is Honda’s top-of-the-line 1000cc supersport. Sometimes known as the Fireblade, the liter-class race replica is an evolution of the earlier CBR900RR and CBR954RR — cutting-edge machines in their own day. The present incarnation of the 1000cc CBR has a liquid-cooled inline four that makes nearly 190 horsepower at the crank and offers a wire array of electronic aids, including wheelie, power, engine braking, and traction control.

Unfortunately, all of this performance comes at a steep price — at least in the insurance department. Liter-class sport bikes can be very expensive to insure, but rates vary widely from company to company, so it’s crucial to compare rates and policies before you buy.

CBR1000RR Insurance Rates

A wide array of factors influence the insurance rate for any motorcycle:  make/model/condition of the bike, rider age and driving record, location, coverage levels, credit score, and available discounts. For this reason, it’s nearly impossible to estimate what your rates will be without getting a quote. However, here are some example rates from other CBR1000RR owners:

• Male, 19, California, Clean Record, Full Coverage, State Farm: $540 / year
• Male, 21, Maryland, 6 Points, Full Coverage, State Farm:  $1600 / year
• Male, 24, Utah, No Ticket in 24 Months, Full Coverage:  $1250 / year
• Male, 30, New Jersey, Clean Record, Full Coverage, Riders Insurance:  $1400 / year
• Male, 35, Illinois, Full Coverage, Progressive:  $600 / year
• Male, 37, California, Clean Record, Progressive:  $400 / year
• Male, 40, Texas, Clean Record, Progressive:  $912 / year

For sport bikes — termed “supersports” in the insurance industry — rates are known to be 3-4 times more expensive than average, and rates vary widely from company to company, as some insurers classify bikes via their displacement size versus category. Incredibly, users have reported saving more than $1000 per year by switching companies! As you can see, it’s crucial to compare quotes from multiple companies to get the best rate.

Honda CBR1000RR History

The CBR1000RR debuted in 2004, succeeding the CBR954RR. The bike had a 998cc, 172-hp inline four with ECU-controlled ram air, dual-stage fuel injection, inverted forks, and a longer swingarm. The liter-class Honda was known for balancing race-bred track prowess with everyday livability not matched by other 1000cc supersports. Here was a high-performance track weapon that could also serve as a daily commuter.

In 2008, a redesign was introduced with a lighter frame, centralized weight, slipper clutch, and side-slung MotoGP-style exhaust. That year, Cycle World named it the International Bike of the Year, while Motorcycle USA named it Best Sportbike of the Year in 2009.

In 2017, the bike was again redesigned for the 25th anniversary of the RR series, harking back to the original CBR900RR 1992. The new model offers ride-by-wire throttle control and a wide array of electronic rider aides and modes, which include traction control, wheelie control, engine braking, and traction control. In 2019, still more electronic updates were added.

Honda CBR1000 Coverage Recommendations

In the United States, all but a handful of states require riders to carry a minimum amount of liability coverage, as defined in the statutes of that state. Liability-only coverage is the cheapest option by far, but it doesn’t cover you or your bike in the event of an accident — only the damage to third parties. What’s more, if you financed your CBR, the lender will require you to carry full coverage, which means collision and comprehensive coverage.

Rate Comparison

In order to secure the lowest rate, you need to compare quotes from a range of insurers. Fortunately, we can help. Enter your zip code to begin.