I currently pay 308.00 a year for full coverage on a BMW R1150R, 2004, thru American Modern Home, which also insures my house. I used to pay under 300.00 for the same coverage till the ABATERS in Pennsylvania got the state to drop mandatory helmets, then my insurance went up to almost 400.00 a year. I switched policies, and then attended the "advanced riders course", and it has been decreasing a little each year. It helps that I have no claims, and am 57 years old.