Suzuki GSX-R750 Insurance

The Suzuki GSX-R750, first introduced in 1985, has been at the bleeding edge of the sport bike world for more than three decades. From the air/oil-cooled “slabbies” and “slingshots” of yesteryear to the high-powered street and track weapon of today, this middleweight “Gixxer” has few rivals.

Of course, there’s a downside to such performance: insurance premiums. While most insurers offer coverage for the GSX-R750, it can be nothing short of exorbitant. For this reason, it’s absolutely critical to compare policies and rates to secure the most affordable coverage possible.

Let’s have a look at the history of the GSX-R, the types of coverage you might need, and a few ways that you can keep your premiums from breaking the bank.

History of the Suzuki GSX-R Series

Introduced in 1985, the Suzuki GSX-R750 is widely accepted as the first affordable, lightweight race replica intended for street use — the first modern sport bike. The bike was a response to Honda’s sophisticated VFR750 Interceptor.

Whereas the Honda had a complex V-4 engine layout, the GSX-R750 featured a simple four-valve inline four with air/oil-cooling, with cooled oil sprayed into the underside of the pistons. The frame was welded aluminum and the bike weighed some 100 lbs less than the Honda VFR. The full fairing and dual round headlights recalled the endurance racers of the era.

Fast forward to today, and the GSX-R750 remains a marvel of road-going prowess. The current model featuers a Showa Big Piston Fork (BPF), slipper clutch, advanced traction control, and makes nearly 130 horsepower…at the rear wheel!

Suzuki GSX-R750 Insurance Rates

A wide array of factors impact your motorcycle insurance premiums. These include make and model of bike, driving record, and the county where the bike is insured. That being said, we have gathered sample rates from a number of real GSX-R owners to give you an idea of what to expect:

• Male, 20 y/o, Texas, 1 Ticket, Geico: $1117 / year
• Male, 21 y/o, California, Multiple Tickets, Progressive, Non Full Coverage: $1188 / year
• Male, 21 y/o, Florida, Clean Record, Progressive: $588 / year
• Male, 24 y/o, Rhode Island, 2 Tickets, Foremost: $3164 / year
• Male, 26 y/o, Virginia, Clean Record, State Farm: $980 / year
• Male, 29 y/o, Chicago, 1 Ticket, State Farm: $468 / year
• Male, 32 y/o, Kansas, Clean Record, State Farm: $390 / year
• Male, 33 y/o, Oklahoma, 1 Ticket, Progressive, Liability + Comprehensive: $200 / year
• Male, 34 y/o, Pittsburgh, 1 Ticket, State Farm: $660 / year

As you can see, rates vary hugely from $17 to $264. For this reason, it’s imperative to compare quotes from multiple insurers to make sure you don’t overpay.

Suzuki GSX-R600 Coverage Recommendations

Most states require liability coverage for your bike. Usually, a liability policy will not cover your bike in an accident — just the damages to a third party. If you finance your bike, the lender will require you to carry “full coverage,” which includes both collision and comprehensive coverage.

Collision coverage protects your bike in the event of an accident. No matter which generation GSX-R750 you ride, the fairings are expensive to replace. This is especially important for new riders — 50% of whom drop their bike at least once in the first year of ownership.

Uninsured/Under-insured motorist coverage: protects you in case the other motorist doesn’t have coverage, is from a state with lower minimum requirements, or the injuries exceed the policy caps of an at fault motorist.

Comprehensive coverage covers damage from fire, wind, water, theft, and vandalism. The GSX-R series is one of the most commonly stolen groups of bikes, so this might be a good idea — particularly if you don’t have a garage for your bike.

Insuring Your GSX-R750

The best way to keep your premiums from breaking the bank? Compare quotes from multiple insurers. Fortunately, we have created an easy to use tool so that you can get quotes from multiple companies insuring the GSX-R750. Just enter your zip code to begin!