Kawasaki Motorcycle Insurance Costs
We analyzed our own internal data to answer the question.
How Much Does It Cost To Insure A Kawasaki Sportbike?
A 2025 Data Driven Analysis
Owning a Kawasaki is an experience defined by performance, style, and the thrill of the open road. Whether you’re carving canyons on a legendary Ninja® or cruising the country on a versatile Versys®, one practical question every rider faces is: “What will it cost to insure?”
To answer that question, we didn’t just guess—we analyzed the data. We dove into over 100 different Kawasaki sport and sport touring models to uncover the real costs, the surprising trends, and the factors that drive your premium. Let’s break down what it really costs.
Key Takeaways*
What The Data shows
- Huge Price Variation: The annual premium to insure a Kawasaki can range from as low as $108 to over $11,000.
- Performance is Pricey: High-performance models like the Ninja H2™ and Ninja® ZX™ series consistently have the highest insurance costs.
- Most Popular for Quotes: The Kawasaki Ninja® ZX™-6R ABS is the most frequently quoted model, highlighting its immense popularity in the supersport category.
- Age is a Wildcard: The single most expensive average premium was for a 20-year-old supersport bike, proving that model year has a complex impact on rates.
The Main Event: Breaking Down the Numbers
Our analysis reviewed quotes for over 100 Kawasaki models and their various model years. The results paint a clear picture of how risk and value are calculated.
Most Popular Ride: The Kawasaki Ninja® ZX™-6R
It’s no surprise that the Ninja® ZX™-6R ABS was the most quoted bike in our dataset, with 344 total quotes. As a benchmark in the 600cc supersport class, its blend of track-day capability and street-level prestige makes it a top choice for enthusiasts, and consequently, a frequent subject of insurance inquiries.
Price Extremes: The Highest Highs and Lowest Lows
This is where the data gets fascinating. The gap between the most and least expensive models to insure is immense.
Most Expensive Quote: $11,922 for a Ninja® ZX™-6R This may seem shocking, but it highlights a key insurance principle. An older supersport bike combines high-risk performance with a lack of modern safety features (like advanced ABS and traction control), making it statistically more expensive to insure than many brand-new models.
Least Expensive Quote: $108 for a Concours® On the other end, this quote shows how age can lower premiums, especially for models that are less common today and have a lower replacement value.
Why the Big Price Difference? Key Factors in Your Premium
The model name on your bike’s fairing is one of the biggest factors driving your insurance rate.
- The “Supersport” Factor (Ninja® ZX™ & H2™ Models) There’s no way around it: speed and acceleration equal higher risk. Models engineered for the track, like the Ninja® ZX™-10R or the supercharged Ninja H2™, have the highest potential for costly claims, placing them in the highest premium tiers. In our analysis, the Ninja H2™ models consistently averaged premiums between $3,800 and $6,300.
- The “All-Rounder” Advantage (Ninja®, Z, and Versys® Models) Models like the Ninja® 650 or Versys® 650 offer sporty performance in a more manageable and versatile package. Because they are not considered pure racing machines, their average premiums are significantly more affordable than their supersport cousins of similar displacement.
- Beyond the Bike: You, The Rider Remember, this data reflects averages for the motorcycle. Your final quote is uniquely yours. Factors like your age, driving record, location, and chosen coverage levels (liability, collision, comprehensive) play an equally important role.
Find the Right Coverage for Your Kawasaki
Understanding insurance data is the first step, but the final quote is all about you. Whether you ride a brand-new Ninja® ZX™-4RR or a trusted Concours® 14, the right protection provides peace of mind on every journey.
*Source: All data is based on an internal analysis of motorcycle insurance premiums issued by Boundless Rider Insurance. Rates are illustrative and individual premiums may vary based on location, driving record, age, and other factors. Last updated July 2025.