I have everything (house, cars, bikes) with State Farm so get some pretty good discounts. I do know that the annual premium for my 2011 800XC was exactly the same as the 2002 Suzuki 1200 Bandit that it replaced. That was weird when they told me that, but hell if I was going to complain. I'm 39 with a pretty clean record. State Farm goes by engine size and year more than anything else so I can see how a 2011 800cc could end up very similar to a 2002 1200cc. I don't have my statement here, but I know it's less than $400 a year and I think it was like $335 or similar. Again, I get some pretty big discounts for having everything through them. That's for full coverage... I think a $100 ded on Comp and $500 ded on Collision.