Yeah, that's high. I'm 41, perfect driving record since the early 90s, took the MSF course, and the Rebel 500 is my first bike.
I have Geico, minimum liability, plus comprehensive coverage with a $500 deductible.
My annual premium is $108.
I did pay cash for the bike, though, but I did several quotes before I bought the bike, and I think it was around $200 if I was financing.
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2017 Honda Rebel 500 - Black