Suzuki GSX250R Insurance

The Suzuki GSX250R, introduced in 2017, is the company’s entry-level sport bike, slightly smaller and less expensive than 300-class sport bikes with styling that echoes the mighty GSX-R1000 and Suzuki MotoGP race machines. The heart is a 248cc parallel-twin from the GW250 that makes 25 hp and 17 lb/ft, sitting between tuned KYB suspension and a 4-gallon fuel tank good for a range of 250-280 miles…depending on your right wrist.

While the GSX250R certainly isn’t as expensive to insure as big GSX-R siblings, some insurers categorize the bike as a “super sport” or “sport bike,” which can translate into high insurance rates. Thus, it’s extra important to compare quotes and policies from multiple insurers.

Suzuki GSX250R Insurance Rates

There are too many variables to provide an accurate estimate of your insurance premium, as rates depend on zip code, age, driving record, credit, marital status, and more. That said, insurance premiums on the GSX250R should be on par with other 250-class sport bikes like the Ninja 250R and Honda CBR250R.

On average, we’ve seen rates in the neighborhood of $25-$60 per month for these machines, carrying full coverage from a name brand insurer. However, rates as high as $150 per month are not unheard of, especially if you have past citations or accidents on your record.

What’s more, there’s risk that the GSX250R could be categorized as a “super sport” by some insurers, given its relation to the GSX-R series. For this reason, it’s doubly important to compare rates and policies from various insurers. Fortunately, we can help.

Model History: Suzuki GSX250R

The lightweight, entry-level sport bike class has been exploding in recent years, with machines like the Honda CBR300, KTM RC390, and Yamaha R3. Suzuki decided to enter the arena, launching the GSX250R in 2017. The bike’s parallel-twin engine comes from the late GW250, offering 25 horsepower in GSX configuration. While that’s lower than the 30-40 horsepower offered by the 300-class machines, the Suzuki undercuts them in price, coming in at around $4500…$500-$1000 less expensive.

What the bikes lacks in outright power, it makes up for in styling and practicality. The bike has received high marks for its comfort and nimble handling, as well as its sporty good looks — like a scaled-down GSX-R1000. We especially like the available MotoGP-inspired livery. The reverse-lit LCD instrument cluster is another plus, along with the surface-emitting LED lighting and electronic fuel injection.

Suzuki GSX250R Coverage Recommendations

Yes, most states only require you to carry liability coverage, and that’s the most affordable option. However, we strongly encourage riders to carry full coverage, which includes collision and comprehensive coverage. Not only is this a requirement if you financed your GSX, but it will cover the bike in case of accidents or mishaps. With a modern, fairing-clad sport bike like the GSX, even the most minor drop in a parking lot or driveway could translate to hundreds of dollars in damage.

In order to keep your rates low, you have a number of options.

MSF Course: Most insurers provide a discount if you take a Motorcycle Safety Foundation BasicRider course, and the skills you learn could save your life. Most discounts are around 15%.

Good Student Discount: Moreover, most insurers will also give you a discount if you’re a student and maintain a high GPA, typically 3.0 or above. Most discounts are around 10%.

Clean Driving Record: The most obvious, yet also the most effective way to keep your premiums affordable. Accidents and speeding citations can cause significant increases in your rates that last for years.

Compare Policies and Rates: This is probably the quickest, easiest way to save the most money in the shortest time possible. Rates vary widely from company to company, and comparing quotes is the best way to find the cheapest, best coverage.