Decoding Motorcycle Insurance: An In-Depth Look at Honda Owner Premiums in 2025

Decoding Honda Motorcycle and Powersports Insurance*

We took a deep dive into our internal data.

Ever find yourself staring at a motorcycle insurance quote, wondering where the numbers come from? You’re not alone. To demystify the process, we dove deep into thousands of quotes for Honda motorcycles to uncover the secrets behind your premium.

The big reveal? The average basic insurance package for a Honda motorcycle is about $297. But averages don’t tell the whole story. Our analysis found premiums as low as $87 for a sport ATV and as high as $2,607 for a high-performance supersport bike.

So, what causes this massive difference? Let’s break it down.

From Gold Wing to Navi: How Your Honda Model Really Impacts Your Bill

It’s no surprise that your motorcycle is the single biggest factor in your insurance cost. But it’s not just about the price tag; it’s about the type of bike you ride.

The Premium Kings: High-Performance Sport Bikes

If you crave speed, be prepared to pay for it. The models with the highest insurance premiums were consistently the high-performance sport bikes.

• Most Expensive to Insure: The Honda CBR1000RR. With its powerful 999cc engine, this supersport machine topped our charts with an average premium often soaring above $2,000, and we found one as high as $2,607. Insurers see this level of performance as a higher risk, which is directly reflected in the price.

The Budget-Friendly Rides: Small and Sensible

On the other end of the spectrum, smaller, more practical bikes offer significant savings.

• Least Expensive to Insure: The Honda TRX sport ATVs (like the TRX 250EX with a 229cc engine) had the lowest premiums in our analysis, some as low as $87. For road bikes, the Honda Navi (with a tiny 109cc engine and an MSRP around $1,800) is a champion of low-cost insurance, with premiums often in the low-to-mid $100s.

The Surprising Find: The $33,000 Bike That’s Cheaper to Insure

Here’s where it gets interesting. The bike with the highest price tag wasn’t the most expensive to insure. Not even close.

The Honda Gold Wing Tour, with its massive 1833cc engine and an MSRP that can top $33,000, had surprisingly affordable insurance rates, typically ranging from $200 to $400.

Why? Insurers look at who typically rides these bikes. Gold Wings are touring motorcycles, generally owned by older, more experienced riders who use them for long-distance cruising—a lower-risk activity than aggressive riding on a supersport. This proves that MSRP isn’t everything; the style of bike and its associated risk profile are what truly drive the cost.