Kawasaki Vulcan Insurance

The Kawasaki Vulcan is a family of cruiser motorcycles that originated way back in 1984 with the VN700A, powered by Kawasaki’s first-ever V-twin engine. Since then, the Vulcan name has become synonymous with metric cruisers that combine traditional styling with modern technology such as liquid-cooling, digital fuel injection, ride-by-wire, and more. Bikes ranging in displacement from 400cc to 2000cc have worn the Vulcan nameplate, and Kawasaki continues to push the series into new territory.

Although most cruisers cost significantly less to insure than sport bikes, you can easily end up paying too much. That’s because some insurers are more interested in covering motorcycles than others, and rates vary widely from company to company, as the categories aren’t uniform from one to the next.

So, if you don’t want to overpay for insurance on your Vulcan, it’s important to compare policies and quotes from a range of insurers. Fortunately, we can help.

Kawasaki Vulcan Insurance Rates

Rates vary widely — even wildly — from one rider to the next, as they’re contingent on variables such as place of residence, age, driving history, marital status, engine displacement, coverage options, accessories, individual discounts, and more. That said, we’ve gathered a range of rates from real-world Vulcan owners to give you some idea of what to expect.

• Vulcan 650 S / NY / Basic Coverage / State Farm: $56 / year ($4.66 / mo)
• Vulcan 650 S / FL / Full Coverage / Progressive: $192 / year ($16 / mo)
• Vulcan 650 S / OR / Full Coverage / Progressive: $260 / year ($22 / mo)
• Vulcan 650 S / SC / Full Coverage / Allstate: $300 / year ($25 / mo)
• Vulcan 650 S / NY / Full Coverage / Allstate:  $396 / year ($33 / mo)
• Vulcan 650 S / NM / Full Coverage / Progressive:  $396 / year ($33 / mo)
• Vulcan 900 / OR / Full Coverage / Progressive: $133 / year ($11 / mo)
• Vulcan 900 / MO / Full Coverage / Safeco: $154 / year ($13 / mo)
• Vulcan 900 / FL / Full Coverage / Progressive: $179 / year ($15 / mo)
• Vulcan 900 / FL / Full Coverage / NA: $225 / year ($19 / mo)
• Vulcan 900 / IL / Full Coverage / Progressive: $327 / year ($27.25 / mo)
• Vulcan 1500 / MA / Full Coverage / NA: $408 / year ($34 / mo)
• Vulcan 1700 / TX / Basic Coverage / Markel: $67 / year ($5.60 / mo)
• Vulcan 1700 / TX / Full Coverage / Progressive: $132 / year ($11 / mo)
• Vulcan 1700 / IL / Full Coverage / NA: $371 / year ($31 / mo)

Rates vary significantly, as you can see, and several owners remarked that they saved a ton of money when they compared rates from other companies. Fortunately, we can help.

Kawasaki Vulcan Models

Since the very first Vulcan VN700A, many models have been added to the lineup. Those with “VN” model designations are V-twins, while those with “EN” designations have parallel-twins derived from the Ninja family.

• Vulcan 400 (VN400): 1986-2004. The entry-level Vulcan with a 398cc liquid-cooled V-twin.
• Vulcan 500 (EN500): 1990-2009. Featuring a 498cc parallel-twin from the Ninja 500R.
• Vulcan 650 S (EN650): 2015-Now. “Sport cruiser” featuring a 61-hp parallel twin from the Ninja 650.
• Vulcan 750 (VN750): 1985-2006. Featuring a 749cc liquid-cooled V-twin.
• Vulcan 800 (VN800): 1995-2006. Softail design featuring an 805cc liquid-cooled V-twin. Available in base, Classic, and Drifter editions.
• Vulcan 900 (VN900): 2006-Now. Featuring a 903 cc liquid-cooled, fuel-injected V-twin with 50 horsepower and 58 foot-pounds of torque. Available in Classic, Classic LT, and Custom editions.
• Vulcan 1600 (VN1600): 2002-2008. Featuring a 1552 cc liquid-cooled 50° V-twin. Available in Classic, Nomad, and Mean Streak editions.
• Vulcan 1700 (VN1700): 2009-Now. Featuring a 1700cc 52° fuel-injected V-twin engine. Available in Classic, Classic LT, Nomad, Voyagers, Vaquero editions.
• Vulcan 2000 (VN2000): 2004-2010. Featuring a 2053cc 52° fuel-injected V-twin engine with 116 horsepower and 141 foot-pounds of torque. Available in base, Classic, and Classic LT trim.

Kawasaki Vulcan 650 S

The most popular Vulcan of the modern era is the Vulcan S, a “sport cruiser” that packs a 61-hp parallel-twin from the Ninja 650. Though the bike looks the part of a regular cruiser, it’s so much more:

“This is a perky, light, exploitable roadster; a fun-to-ride middleweight naked, just one that happens to be low and with long raked-out forks.” —MCN

Wet weight is just under 500 pounds, and top speed is reported at around 100 mph. Kawasaki uses their “Ergo-Fit” seat and handlebars to help tailor the ergonomics of each bike to the individual rider, and the Vulcan S is available with KQR (Kawasaki Quick Release) windshields and luggage. The bike has received praise from beginner and veteran riders alike. Says Kawasaki:

“With its unique blend of cruiser style and sportbike performance, as well as its customizable fit that instills greater confidence in the rider, there is only one thing left to do: Ride!”

Vulcan Coverage Recommendations

Yes, as long as you own your Vulcan outright, you can opt for Basic Coverage — basically, this is the minimum liability coverage required in your state. This is the most affordable option, but we don’t recommend it.

Why not? Liability coverage does not cover your bike in the event of a collision, accident, theft, vandalism, or acts of God. For that, you will need collision and comprehensive coverage. We also highly recommend uninsured motorist, as it’s now estimated that 10-15% of US drivers are uninsured.

Compare Rates

If you want the best coverage for the lowest rate possible, you’ve got to shop around, comparing quotes from various insurers. Fortunately, we’ve made it easy. Enter your zip code to begin.