Honda XR650L Insurance

Honda XR650L Insurance

XR650L Coverage

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Introduced in 1992, the Honda XR650L has earned a reputation as one of the world’s most rugged, versatile, go-anywhere motorcycles, and the most trail-ready of the big-bore dual-sports. The dry-sump RFVC engine was taken from the proven NX650 Dominator and placed in the legendary XR600R chassis:

“The Honda 650L isn’t that far removed from a Grand National champion. It was based on the XR600R dirt-only bike that Scott Summers used to dominate the GNCC series in the ’90s. To make it into a dual-sport bike, Honda added electric start, more displacement and stiffer suspension.” —Dirt Bike

The XR650L has remained virtually unchanged over nearly three decades of production because it simply works. Better yet, dual-sport motorcycles like the 650L are usually quite affordable to insure. However, rates do vary widely from insurer to insurer, so it pays to shop for the best coverage at the lowest price. We can help.

Honda XR650L Insurance Rates

Honda XR650L Insurance

It’s important to keep in mind that insurance rates are based on a complicated matrix of factors, including age, location, driving history, marital status, and more — not to mention coverage options! That said, we surveyed a range of XR650L owners to give you an idea of what people are paying.

  • Male, FL, Full Coverage, Allstate: $518 / year
  • Male, FL, Liability Only, Allstate: $40 / year
  • Male, NY, Full Coverage, State Farm: $250 / year
  • Male, CA, Full Coverage, State Farm: $228 / year
  • Male, OH, Full Coverage, American Family: $168 / year
  • Male, IL, Full Coverage, State Farm: $1900 / year (Only 2o y.o.)

As you can see, rates vary widely from rider to rider and state to state. For instance, the last rider saved a bundle by going with a different insurer:

“State Farm told me 1900/yr and suggested I look elsewhere. Progressive is at $56/mo or $635 a year.”

As you can see, it pays to comparison shop your insurance. Otherwise, you’ll almost certainly wind up paying too much to keep your 650L insured. Fortunately, we can help. Enter your zip code to begin comparing rates from various motorcycle insurers in your area.

XR650 Coverage

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Brief History: Honda XR650L

Introduced in 1992 as a ’93 model, the XR650L mated the dry-sump, air-cooled RFVC engine from the NX650 Dominator with the rugged frame of the legendary XR600R — an off-road-only machine that cut its teeth in the Baja 1000. Since then, this proven package has remained relatively unaltered. Says Dirt Bike magazine:

“The Honda XR650L is a staple in the dirt bike world. At one time it was considered the most dirt-worthy dual-sport bike you could buy. Now, it fulfills a different role as a cross-platform machine that serves adventurers, commuters and trail riders.”

Wet weight is 346 pounds — about 20 pounds less than a DR650 — and the bike makes 40 horsepower and 47 ft-lbs of torque. While it certainly isn’t as capable off-road as a new KTM, you can tour on the big XR nearly as comfortably as on a KLR650. It’s a true dual-purpose machine.

Honda XR650L Key Competitors

Honda XR650L Insurance

Coverage Recommendations

In most parts of the US, you’re only required to carry a minimum amount of liability coverage, and the cheapest option is a liability-only policy — also referred to as “Basic Coverage.” However, we strongly urge riders to increase their coverage limits above the state minimums, as they are usually quite low and increased limits may not cost very much more on a per-month basis.

What’s more, if you’re in a financial position to afford it, we highly recommend full coverage, which includes both comprehensive and collision coverage. These coverages will protect your XR650 in case of an accident, theft, weather, vandalism, and more.

Comparing XR650 Rates

If you want the best coverage at the best price, you’ve got to shop around. Fortunately, we’re here to help. Enter your zip code to connect with insurers that actually want to insure motorcycles in your area and begin comparing rates.

XR650 Insurance

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