All of our bikes and 4 wheelers are insured through state farm. Cost averages about 150.00 per year. Recently had a bad crash doing roughly 2800.00 dollar worth of damage to my 2005 crf 250r. 500.00 deductible and the rest was covered-well worth it. May not be covered if you are participating in a race though. State Farm also offers a 1500.00 injury coverage as an addition which has helped pay several deductibles on health insurance at the emergency room. I don't remember the exact cost of this coverage but it wasn't real high.