Ninja 650 Insurance

Kawasaki Ninja 650 Insurance

Ninja 650R Coverage

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The Kawasaki Ninja 650 — previously known as the 650R — was introduced in 2006, offering a 71-hp liquid-cooled parallel twin and distinctive side-mount rear shock absorber. There is also a naked version, the ER-6n, and the Kawasaki Versys, which shares many of the same parts.

The Kawasaki Ninja series has long been synonymous with hyper performance on the street and track. The Ninja 650 may not be quite as aggressive as the four-cylinder ZX-6R, but coverage rates for any sport bike can be expensive — particularly if you need more than liability-only coverage.

Ninja 650 Insurance Rates

Ninja 650 Insurance

You’re likely going to get a wide variety of answers. Age, area, driving record, credit report, are all factors in the rate you’ll be quoted. You’ll do best to get a quote.

That said, here are a few examples users:

Rider 1:  26 y.o. male, PA, no accidents or tickets in last five years, new rider and no MSF course.

  • Company 1:  $580 / year, liability-only.
  • Company 2: $374 / year, liability-only.

Rider 2: 32 y.o. male, TX, married.

  • $280 / year, full coverage.

Rider 3: Middle-aged male, CA.

  • $185 / year, liability-only.

Rider 4:  21 y.o., New England.

  • $900 / year, full coverage.

Ninja 650 History

Ninja 650 Insurance

The Ninja 650R hit American shores in 2006 along with a naked version, the ER-6n. The 71-hp parallel twin was good for a quarter mile team of just over 12 seconds, and reviewers and riders lauded the bike for the combination of comfortable ergonomics and sporty riding.

In 2017, the Ninja 650 dropped a staggering 42 pounds, while gaining a slipper clutch and replacing the side-mount rear shock with a more conventional one. The parallel-twin engine has also been used in the Vulcan 650 S, where it makes slightly less horsepower, tuned as it is for better torque and midrange.

Kawasaki Ninja 650 Coverage Requirements

Most states require liability coverage, at minimum, for any motorcycle. However, if you finance your 650, chances are the bank or lender will require you to carry full coverage on the bike, which could double your premiums from a liability-only policy.

Fortunately, there are ways to keep your rates low.

Attend a Motorcycle Safety Foundation Course

A weekend MSF course will improve your riding skills and lower your premiums. Visit the MSF website to find a course near you.

Be a Good Student

If you’re in high school or college, most insurance companies offer a discount for maintaining a e,0 GPA or higher.

Maintain a Clean Driving Record

Speeding, reckless operation, DUI, and other citations are guaranteed to spike your premiums.

Insure All Vehicles with the Same Company

Multi-vehicle discounts save you up to 25 percent.

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.

Ninja 650 Coverage

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