Kawasaki ZX-10R Insurance

The Kawasaki Ninja ZX-10R has been the company’s flagship superbike since 2004, a successor of the venerable ZX9-R. During that time, peak power has ranged from 148 to 167 horsepower at the rear wheel, with quarter mile times a tick over 10 seconds flat.

Not surprisingly, there’s a downside to such staggering performance:  high insurance rates, which can vary widely from one insurer to the next. For this reason, it’s incredibly important to compare rates from multiple companies in order to ensure you insure your sportbike with the best coverage at the lowest price possible. Fortunately, we can help.

Kawasaki Ninja ZX-10R Insurance Rates

Rates vary widely based on the rider’s age, driving record, location, and the type of coverage — among other factors. Here are few rates quoted by other ZX-10R riders.

• Male, 40s, Colorado: $4000 / year with collision, $800 / year for liability only.
• Male, 30s, Oklahoma, full coverage, Allstate: $900 / year.
• Male, 25, Nebraska, full coverage, State Farm: $768 / year.
• Male, 30s, Florida, full coverage, Farmers: $1900 / year.
• Male, 50s, Arizona, full coverage, Dairyland: $736 / year.
• Male, 22, Kansas, full coverage, Geico: $6864 / year. ($7000+ Progressive.)
• Male, 28, New Jersey, full coverage, Foremost: $1450 / year.
• Male, 32, Las Vegas, full coverage, State Farm:  $636 / year.
• Male, 21, Indiana, full coverage, State Farm:  $1113 / year.

As you can see, the rates vary hugely depending the rider, the location, and the insurer.  Some companies still insure the ZX-10R by displacement, not class, which means the rates could be exponentially lower if you find the right insurer. Fortunately, we can help.

Ninja ZX-10R History

The ZX-10R debuted in 2004 as the successor of the ZX-9R — a venerated sportbike in its own right. In its first two years of production, the bike was named “Best Superbike” by Cycle World and quickly began making a name for itself in various racing classes. Since then, the Ninja ZX-10R has remained one of the most competitive liter bikes in the world — even among strong competition from the likes of the Yamaha R1, Suzuki GSX-R1000, and BMW S1000RR.

The bike is known for its narrow, nimble chassis and world-class electronics package. The newest evolution now claims more than 210 hp at the crank, with a ram air intake and S-KTRC package that includes launch control, a quickshifter, and engine braking control.

Kawasaki Ninja ZX-10R Liability vs Full Coverage

In the US, nearly every state requires the rider to carry liability coverage at minimum, which only covers damage to third parties in an accicent. Collision coverage adds exponential cost to one’s insurance premiums. Says one veteran member of ZX-10R.net:

“The collision coverage is so high because sport bikes are almost 100% guaranteed to be damaged. Tip the thing over in your driveway and its $2k worth of plastic and more to get back to “new” condition… Best advice is only buy a bike you can afford to pay cash for. Then you don’t have to buy the collision insurance.”

However, the vast majority of sportbikes are financed, which means the rider has to carry full coverage as a stipulation of the finance agreement. Your best bet is to compare quotes from a variety of insurers, as sportbike insurance rates vary widely from one company to the next. We can help — just enter your zip code at the top or bottom of the page to begin.

Recommendations

If you want to insure your bike at the lowest rate possible, there are a few steps you can take.

MSF (Motorcycle Safety Foundation) Course

A two-day MSF Basic Rider course will not only improve your riding skills, keeping your safer on the road, but also lower your premiums by as much as 15%. Visit the MSF website to find a course near you.

Clean Driving Record

Keep your speed in check and avoid citations. If you are ticketed, go out of your way to attend driving school or other ways to keep the citation off of your record, as this will spike your insurance rate.

Multi-Vehicle Policies

Insuring multiple vehicles with the same company save you up to 25 percent.

Rate Comparison

The number one way to keep your premiums in check is to shop for coverage online. Fortunately, we’ve created an easy to use tool so that you can get quotes from multiple companies in one place.