There are variables in insurance. Those that figure the variables are called actuaries. Actuaries are the guys the f-up our rates. They use age, zip code, bike model, and violations to figures rates. Some now use credit scoring- like the auto insurance side of life. So- your question is stated in a manner that you cannot get an accurate answer from the peanut gallery. I have been doing bike insurance in the southeast for 8 years and ususally can get within $50 or so of where a a good quote should be, but variables are everything. You have to disclose all violations, if you're a homeowner (companies give discounts for it), if you've taken safety classes or belong to any motorcycle association and many other things that when added up can save you money on annual premium. Contact me personally and I will assist you even if you don't live in the southeast.