KTM Duke 390 Insurance

The KTM 390 Duke is the lightweight version of the Austrian’s company’s fabled Duke, offering a liquid-cooled single-cylinder engine with 43 horsepower and a dry weight of just over 300 pounds. The naked middleweight has been praised left and right, called “rocket-powered scalpel” and “whippet-thin” (Sunday Times).

In the USA, the 390 Duke and its sport bike sibling, the RC 390, compete with the likes of other lightweight sport bikes such as the Honda CBR500 and Kawasaki Ninja 400. The Duke has been tested to run 0-60 in 5.5 seconds, with a top speed of just under 105 mph.

While the Duke 390 certainly isn’t as expensive to insure as the larger 790 Duke or 1290 Super Duke, it may still fall into the “performance bike” or even “hooligan bracket” with some insurers — making for expensive rates. For this reason, it’s crucial to compare quotes from multiple insurers.

KTM 390 Duke Insurance Rates

A wide array of variables impact your motorcycle insurance premiums:  make/model of bike, driving record, age, location, coverage level, storage location, even credit score. That said, we have gathered some example rates from real 390 Duke owners:

• Female, 34, Washington State, Full Coverage, State Farm:  $358 / year
• Male, 44, Michigan, Full Coverage, Markel: $344 / year (Geico, Allstate, and State Farm quoted $500+)
• Male, Undisclosed Age, Connecticut, Full Coverage, Geico:  $756 / year
• Male, 59, California, Minimum Coverage, Geico: $250 / year

As you can see, rates vary widely — not just from rider to rider, but from one company to the next. The rider who settled on Markel for his coverage at $344 per year was quoted as high as $700 by another insurer. For this reason, it’s crucial to compare quotes from multiple companies. Fortunately, we can help you do just that!

Duke 390 History and Specifications

The 390 Duke was developed as part of a collaboration between Austria’s KTM and Indian motoring giant Bajaj. The bike debuted in 2012 and went on sale in the USA in 2015, with the RC 390 sport bike version following shortly thereafter. The bike has scored high marks for build quality and agility since its inception — lauded as a sporty everyday commuter and runabout.

The bike runs 0-60 mph in 5.5 seconds, with a quarter mile time of 14 seconds, a top speed of 104 mph, and a wet weight of just 338 pounds. In 2017, the 390 Duke underwent a mild update, with new LED lighting, adjustable levers, larger front disc brake, and a higher seat height.

KTM Duke 390 Coverage Recommendations

Most states require you to carry a minimum amount of liability coverage for any motorcycle you register. While this minimum coverage amount varies from state to state, it’s typically not sufficient for what you need. After all, liability only covers damages to others if you are at fault in an accident — it does not cover your bike.

We recommend both comprehensive and collision coverage, which will protect your Duke 390 in case of accidents, theft, and “acts of God.” What’s more, if you financed your Duke, the lender will require you to carry these coverages — together with liability, this is known as “full coverage.”

Minimizing Your Rates

When it comes to insurance rates, there are many factors out of your control, but there are also several actions you can take to discount your rates.

MSF Course

Taking a Motorcycle Safety Foundation (MSF) Basic or Advanced Rider course will no improve your riding skills and lower your premiums. Visit the MSF website to find a course near you.

Good Student Discount

The Duke is a popular mount for college and grad students across the country. Fortunately, many insurers will discount your premiums by 10% if you maintain a high GPA. Ask your insurer for more information.

Rate Comparison

Of course, the most effective way to keep your premiums affordable is comparing rates from various insurers. Fortunately, we can help. Enter your zip code to start!