Suzuki GSX-S1000 Insurance

The Suzuki GSX-R series is simply legendary, a race-bred family of sport bikes that’s been successful on private tracks and public roads for more than three decades. The GSX-S1000 is the street-wise sibling of the mighty GSX-R1000, offering an engine that’s been tuned for more street-friendly power delivery and a chassis designed for comfortable all-day riding, including both naked and faired versions.

Of course, liter bikes are notoriously expensive to insure, and if you’re not careful, you could end up spending way too much to insure your GSX-S. Fortunately, we can help you find a company that will insure your machine without breaking the bank.

Suzuki GSX-S1000 Insurance Rates

Insurance rates vary widely based on a broad variety of factors, from rider’s age, experience, and driving record to the location, use, and coverage limits for the bike. That said, we’ve gathered some real-world rates from a number of GSX-S owners around the country to give you some idea of what to expect.

• Male, FL, Full Coverage, Progressive: $320 / year
• Male, IL, Full Coverage, Progressive: $346 / year
• Male, NY, Full Coverage, Progressive: $448 / year (Geico was $932.)
• Male, TN, Full Coverage, Farm Bureau of Tennessee: $456 / year
• Male, CA, Full Coverage, AAA: $570 / year (Progressive quoted $1100.)
• Male, CA, Full Coverage, Progressive: $690 / year
• Male, OH, Full Coverage, Progressive: $720 / year

As you can see, some riders save close to $500 per year by switching insurance companies. Likely, that’s because some insurers may classify the GSX-S1000 as a “super sport” or “performance bike,” while others place it in a sport touring or naked bike category — which can translate to massive differences in rates.

Your best bet is to compare quotes and policies from different insurers and pick the one that best fits your needs without breaking the bank. Fortunately, we can help. Enter your zip code to begin.

Suzuki GSX-S1000: Model History

In 1984, Suzuki introduced the GSX-R (Gixxer) family of sport bikes, the most aggressive and race-derived street bikes ever developed. The bike’s chassis was stiff enough to handle the high-performance engine, and soon the rest of the Japanese manufacturers followed suit, building true race replicas for the street.

The GSX-S1000 was born in 2015 from the legendary GSX-R1000. Suzuki took the proven long-stroke engine from the GSX-R, tuned it for better streetability and midrange, and developed a chassis intended for commuting, touring, and spirited street riding. If the GSX-R was the king at the track, the GSX-S was king on the street.

There’s the base model and blacked-out GSX-S1000Z naked machine, as well as the fully-faired GSX-S1000F, which leans more toward the sport-touring end of the spectrum. The 999cc engine now makes a claimed 149 horsepower at 10,000 rpm — enough to shoot the 466-lb machine through the quarter mile in around 10.55 seconds.

Suzuki GSX-S1000: Full Coverage?

Full coverage consists of comprehensive and collision coverage — basically, coverage that will protect your bike in the event of a theft, vandalism, acts of God, or an actual accident. If you financed your GSX-S, you’ll have to carry this level of coverage as as stipulation of your loan. If you own your bike outright, we still recommend full coverage, as liability will only cover damage to third parties in the event of an accident. That means you could be on the hook for hundreds, if not thousands of dollars in damage to your bike in the event of an accident — or lose it altogether.

Fortunately, full coverage doesn’t have to be prohibitively expensive, even for a high-performance bike like the GSX-S1000. Below, you can request and compare quotes from multiple motorcycle insurers in your area to find the rate and coverage for your bike.