The Kawasaki Ninja 250R is the company’s entry-level sportbike. Also known simply as the Ninja 250, the bike was first introduced in the 1980s and remained largely unchanged for decades. In 2008 the bike underwent an extensive redesign and has since been replaced by the Ninja 300 in some markets.
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The ninja name is synonymous with high performance street bikes. While this 250cc model isn’t as expensive to insure as some of the bigger ninja brethren, it’s worth doing your research and comparing rates.
Most national insurers offer ninja 250 insurance; however, rates can vary widely from company to company. For example, here’s a real-life example of a 37-year-old Texas rider, new driver, no tickets, who was receiving full coverage and liability quotes for his Ninja 250R:
- geico: $167/month
- statewide: $100/month
- state farm: $42/month
- milk yard: $37.50/month
- progressive: $23/month
- bike brand and model
- handling log
- rider age
- state you live in
- credit score
other users have reported fees of $15-$25 per month.
Let’s take a look at the history of the ninja 250r, some of the types of insurance coverage you may need, and some ways you can keep your insurance costs down.
a brief history of the ninja 250r
The original Ninja 250, also known as the EX250, first arrived on North American shores in 1986-1987. the bikes came with a 6-speed transmission and air-cooled 248cc counterbalanced straight-twins. the smaller ninja was good for a quarter mile of 14.6 to 15.4 seconds and a top speed of 94 mph.
in 2008, the ninja 250r was completely redesigned. cosmetic updates brought the style into the 2000s, and while the new bike had slightly less peak power than its predecessor, the new ninja 250r boasted a 30% increase in mid-range power, making it the bike was much easier to handle.
cover recommendations for the kawasaki ninja 250
Nearly all states require motorcycle insurance coverage. At a minimum, a liability policy is normally required. These policies do not cover the bike, just any damage in case you are at fault in an accident. If you finance your Ninja, your lender will generally require you to have more coverage than the state minimums. the risk of having to pay for repairs out of pocket and bank requirements are why all passengers should have more coverage than just a liability policy. the coverage you may need includes collision, comprehensive, and uninsured motorist. this is of particular importance for a sportbike like the ninja, whose fairings can be incredibly expensive to replace even in the event of a minor crash.
ninja 250r insurance rates
Certain factors affect motorcycle insurance premiums. these include:
We’ve seen ninja 250r insurance rates as low as $100 per year. however, this is typically for liability coverage only, not collision or comprehensive. other users have reported fees ranging from $280 to $2000 per year. With these factors in mind, there are ways to lower your premiums.
keep your coverage affordable
Take a basic motorcycle safety course
Graduating from an MSF weekend course will not only improve your driving skills, it will lower your premiums. you can visit the msf website to find a course near you.
good discount for students
If you’re still in high school or college, most insurance companies offer a discount for maintaining a high GPA, usually above 3.0. but you should contact the insurer about it; they do not grant this discount automatically.
maintain a clean driving record
without thinking. citations for driving under the influence, reckless operation, and speeding are guaranteed to raise your premiums for years.
insure all vehicles with the same company
multi-vehicle discounts can lower your premiums by up to 25 percent.
compare rates before buying
The best way to keep your premiums under control is to compare your coverage. That’s why we’ve created an easy-to-use tool so you can get quotes from multiple companies that offer sports bike coverage.