Kawasaki Versys Insurance

The Kawasaki Versys is the Team Green’s family of adventure-touring motorcycles, named from a combination of the words versatile and system. The family started with the Versys 650 (KLE650) back in 2007, using the Ninja 650 parallel twin. In 2012, the Versys 1000 arrived, and the lighter weight Versys-X 250/300 came along in 2017.

“Renowned for superlative versatility and lively performance, Versys® motorcycles are the ideal urban adventure partners as well as capable backroad companions.” -Kawasaki

No matter which Versys you ride, getting it insured at the best rate possible is a big part of the cost of ownership. While rates generally climb in line with engine displacement, they can vary hugely from one insurer to the next. For that reason, if you want the best coverage at the best price, it’s imperative to compare quotes from multiple companies. Fortunately, we can help.

Kawasaki Versys Insurance Rates

Insurance rates are dependent on a wide array of factors, such as location, age, driving record, coverage options, credit, marital status, and more. In order to give you some idea of what to expect, we surveyed a range of real Versys owners to find out what their annual premiums are.

Versys-X 300 Insurance:

• Male, Tennessee, Progressive: $412 / year (AMIG was $950!)
• Male, Idaho, Geico: $101 / year (Includes his ATV.)

Versys 650 Insurance:

• Male, 27, Nevada: $684 / year ($500 deductible)
• Male, 36, Pennsylvania: $311 / year ($500 deductible)
• Male, 50, Georgia: $850 / year ($250 deductible)
• Male, 50, Virginia: $1300 / year (Dropped to $450 with Progressive)
• Male, 54, Indiana: $317 / year ($250 deductible)

Versys 1000 Insurance:

• Male, New Jersey, Geico: $320 / year
• Male, West Virginia, Geico: $370 / year (Progressive was $400.)
• Male, New Mexico, Progressive: $550 / year
• Male, Tennessee: $780 / year (Lowered from $1400 / year.)
• Male, California, Geico: $792 / year
• Male, New York, State Farm: $804 / year (Geico was $2976!)
• Male, New Mexico, Progressive: $909 / year

As you can see, rates vary widely, even for the same rider and bike! Says one veteran member of www.kawasakiversys.com:

“All I can recommend is to shop around…rates are vastly different based on location and driving history.”

Fortunately, we can help you do just that. Enter your zip code to begin comparing rates from motorcycle insurers in your area.

Brief History: Kawasaki Versys

In 2007, Kawasaki introduced the original Versys to Europe and Canada, and we received it here in the States a year later. The parallel-twin engine came from the Ninja 650, though it was retuned for better low-end torque. As mentioned before, the name is a portmanteau: Versatile x System = Versys.

“As the marketing driven name suggests the Kawasaki Versys 650 is incredibly versatile, the jack of all trades.” –MCN

In 2012 (2015 stateside), the Versys 1000 arrived, boasting the 118-bhp four-cylinder engine from the Z1000. Rider magazine went so far as to give it their Motorcycle of the Year Award:

“Here was a motorcycle that combined all of the good traits of adventure bikes — comfortable, upright seating; compliant, longer-travel suspension; good wind protection and moderate weight — with performance and handling near that of a liter-class sport-touring machine. In short, a sport-adventure ‘VERsatile SYStem’ for riders with little or no off-road aspirations.” –Rider

More recently, the Versys-X was introduced, now running the liquid-cooled twin-cylinder engine from the Ninja 300. Given the light weight and great low-speed handling, the bike is surprising good in the dirt, and one of the most affordable adventure-ready machines on the market.

“As one of the smallest-displacement adventure-touring motorcycles on the market, the little Versys-X will be approachable for beginners, but the fun factor from its capability in the twisties and off-road potential appeals to riders of all skill levels.” –Cycle World

Kawasaki Versys Coverage Recommendations

Most of the rates we featured above are for Full Coverage, which typically includes Comprehensive, Collision, and sometimes Uninsured Motorist coverage. We highly recommend that you consider Full Coverage, even if it costs a few bucks more per month. While a liability-only policy (“Basic Coverage”) might be your cheapest option, it only covers damages and injuries to third parties.

What’s more, if you financed your Versys, your bank or lender will mandate Full Coverage. A better way to save a few dollars from your premiums is to attend a weekend Motorcycle Safety Foundation (MSF) course, even if you’re veteran rider. Most insurers provide a solid discount for MSF graduates, and the skills could save your life.

Comparing Versys Rates

The easiest, most effective way to lower your rates to is to shop around for coverage. Enter your zip code to get begin comparing Versys rates and policies from various insurers.