Indian FTR 1200 Insurance

In 2019, the Indian FTR 1200 appeared as a V-twin production street tracker inspired by the company’s scratch-built FTR 750 race bike, a dominant force in American Flat Track. Cycle World went so far as to say the FTR (Flat Track Racer) heralded a new era for American street standards.

“The FTR1200 was a revelation, with very good cornering clearance, nice braking feel, and a whole lotta motor.” –Cycle World

The 1203cc liquid-cooled V-twin makes a very stout 120 horsepower and 87 pound-feet of torque, and handling has only improved with the transition to twin 17-inch wheels with the 2022 models. However, will all of this performance comes a downside: insurance rates. Unfortunately, some FTR owners have found the bike to be more expensive to insure than expected.

For that reason, it’s important to shop various insurers for a policy that will keep you and your FTR projected…without breaking the bank. Fortunately, we can help.

Indian FTR 1200 Insurance Rates

As you’re probably aware, insurance rates vary based not only on location, age, and driving/riding record, but also credit rating, marital status, coverage options, and any number of other factors. That makes it very difficult to compare rates from one rider to another. However, we have gathered data from a variety of real FTR owners to give you some idea of what you might expect to pay.

• Male, WI, Full Coverage, Progressive: $260 / year ($1000 deductible)
• Male, NJ, Full Coverage, Progressive: $360 / year
• Male, TN, Full Coverage, Undisclosed Insurer: $460 / year ($1000 deductible)
• Male, NY, Full Coverage, Undisclosed Insurer: $544 / year ($1000 deductible)
• Male, NJ, Full Coverage, Progressive: $547 / year (’22 FTR and ’21 Scout)
• Male, NY, Full Coverage, Geico: $775 / year

Not only do rates vary widely from one rider to the next, the same rider may receive vastly different quotes from one company to the the next. Take the example of this FTR owner from Tennessee:

“Progressive was almost twice what GEICO wanted for me. Not sure how you all are insuring bikes for those prices, I must live in a high rate state. I shop around every few years and so far Farmers and Geico has had the best rates overall.”

If you want to get the very best coverage at the lowest rate, it’s imperative to shop around. Yes, it may seem like a pain to take the time to get 3-4 quotes and compare them, but doing so could save you hundreds of dollars per year. What’s more, we’ve helped to streamline the process. Just enter your zip code to get started.

Indian FTR:  Model History

The original FTR 1200 appeared in 2019, inspired by Indian’s scratch-built FTR 750 flat tracker, which would remain the dominant machine in American Flat Track (AFT) until regulation changes removed it from competition ahead of the 2025 season.

The FTR 1200 has largely been hailed as a “street tracker” — a road-legal interpretation of a flat track race bike — and the original bike delivered on that idea in both style and attitude. Traditional 17-inch wheels were eschewed in favor of 19/18-inch rollers with chunky Dunlop DT3-R tires. Combined with the high-powered V-twin at the heart of the bike, the FTR was something of a hooligan flat track rider’s dream of a street bike:

“Indian have created a beautiful, but gnarly flat track-inspired street hooligan that’s not for the faint-hearted or inexperienced. It’s a character trait deliberately built in to make the Indian FTR1200 S stand out from the crowd and few modern machines offer the same drama or challenge to the rider.” –MCN

With the 2021 model, however, Indian decided to go the more traditional route with 17-inch wheels and Metzeler Sportec rubber. The bike also received sportier geometry and a lower seat height. The bike is now much more planted — a worthy rival to the likes of the Ducati Monster and BMW R nineT.

Coverage Recommendation: Indian FTR

If you own your FTR outright, you can usually get away with nothing more than your state’s minimum liability coverage, often known as “Basic Coverage.” This is cheapest option available, though we don’t recommend it. Liability will only cover damages to a third party, not to you or your own bike. 

What we strongly encourage — and what your lender will require if the bike was financed — is “Full Coverage,” which will include collision, comprehensive, and possibly under/uninsured motorist coverage. While this obviously costs more than Basic, it will protect your bike in case of accidents, vandalism, theft, acts of God, and more.

What’s more, the money you save by comparing quotes online might be enough to make the stretch from Basic to Full Coverage. Just enter your zip to begin.