Kawasaki Ninja H2 Insurance

The Kawasaki Ninja H2, together with the track-only H2R, is nothing short of the company’s “halo model” — a supercharged superbike that represents the very pinnacle of engine, turbine, and aerodynamic development. The 326-hp H2R is the most powerful production motorcycle ever sold, while the street-legal, 228-hp 2019 H2 outmatches the BMW S1000RR by nearly 30 horsepower.  Said one leading motorcyclist journalist at the bike’s introduction:

“A quantum leap into the future that redefines the way we see motorcycles.”

Of course, all that power and performance  can come at a steep price — especially when it comes to insurance. Not surprisingly, rates can be nothing short of exorbitant if you don’t do your homework. Fortunately, we can help.

Kawasaki Ninja H2 Insurance Rates

There are many variables that influence your insurance rate:  rider age and experience, driving record, credit score, zip code, coverage amounts and options, and more. That said, we’ve collected an array of real-world rates from H2 owners/riders in order to give you an idea of what to expect:

• Male, Louisiana, Full Coverage, State Farm: $552 / year.
• Male, Florida, Full Coverage, State Farm: $560 / year
• Male (30), Iowa, Basic, State Farm: $680 / year.
• Male, Washington, Basic, State Farm: $720 / year
• Male, Arkansas, Full Coverage, Geico: $876 / year
• Male, Rhode Island, Full Coverage, Progressive: $1704 / year.
• Male, Florida, Full Coverage, National General: $2880 / year.

As you can see, rates vary widely — if not wildly! One member of the leading NinjaH2.org — the leading forum for these bikes — broke it down nicely:

“In the US it can be anywhere between $300 and $10,000 a year with full coverage. If your driving record is clean, you are older than 25, live in a halfway decent area with not too much theft, have at least a couple years of riding experience and didn’t go bankrupt at some point you should be able to find insurance for around $600 a year.”

Time and again, we hear stories of riders shopping around, only to find rates that vary by almost 10:1 between insurers. That means you could score exponentially lower premiums if you find the right insurer. Fortunately, we can help. Enter your zip code to begin.

Ninja H2-H2R History

With the H2-H2R, Kawasaki decided to turn away from the large-displacement ZX-14R “hyperbike” platform and instead focus their development efforts on a supercharged liter-class superbike that would redefine the entire class, reintroducing forced induction to mainstream sportbikes and becoming the first supercharged production motorcycle in history. Appropriately, they chose to name this new model after the legendary Kawasaki H2 of the 1970s, a 750cc two-stroke triple developed to…

“…disrupt what it saw as a sleeping motorcycle market.”

The Kawasaki H2R did just, offering an astounding 326 horsepower with 20.5 psi boost and ram air — 50% more than any of the world’s street-legal production motorcycles. Not surprisingly, the reception was enormous. Said Road & Track of the H2R:

“The poster child of 2-wheeled insanity…so extreme it’s hard to comprehend.”

In street-legal trim, the 2019 Kawasaki H2 still makes a staggering 228 horsepower from its 998cc inline-four, complete with the same two-speed centrifugal supercharger as the H2R but lower boost and different cam profile, timing, and ECU. On a 200-hp 2015 model, Cycle World managed a quarter mile time of 9.62 seconds and top speed of 183 mph, while a model with limited modifications has reached over 209 mph on the Bonneville Salt Flats. Tom Cruise rides an H2 in the reprise of his role as Pete “Maverick” Mitchell in Top Gun 2, and Kawasaki has also introduced the H2 SX, a sport-touring model with options such as hard-bags and better support for two-up riding.

Kawasaki H2: Liability or Full Coverage?

In the USA, most states only require you to carry a certain amount of liability coverage. Obviously, the H2 is not an inexpensive bike to insure, and the cheapest option is to opt for a basic, liability-only policy, which only covers you up to the state minimums.

However, we strongly advise any sport rider to consider full coverage, which includes both collision and comprehensive coverage. That’s because the fairings on modern sportbikes — along with the black chrome paint on the H2 — are very, very expensive to repair and replace. A driveway tip-over could cost you four figures out of pocket, easy.

What’s more, most states don’t update their coverage minimums to account for inflation and rising costs. So…it’s likely the state minimums for liability don’t cut it. Lastly, if your H2 is financed — as the majority are — the lender will require you to carry full coverage as a condition of the finance agreement.

Comparing Coverage, Policies, and Rates

No matter what coverage you decided on, your best bet is to compare quotes from multiple companies, to make sure you get the best coverage at the best rate. Fortunately, we can help you policies and rates from multiple insurers — online. Enter your zip code to begin.