Im 19 and have been quoted at $450 a year for insurance. Thats only liability though. It not your record that is effecting the prices its were you live and the theft insurance that is raising it so much. If you drop the theft I wouldn't be surprised if your cost went down by $1000. My neighbor who rides a cruiser is paying $230 a year for his insurance, again only liability. The other major component is insurance on the bike itself. Sportbikes have a high mark on this as well due to the speeds and the way they are ridden. If your looking to save money, and your bike isn't all that expensive, just drop everything but liability. In florida liability is all thats required.