Honda CRF, Yamaha YZ, KTM SX — Which Dirt Bikes Cost the Most to Insure?
By Josh Cotner
Your Dirt Bike's Make and Model Affects Your Insurance Rate
One of the biggest factors in your dirt bike insurance cost is the specific bike you ride. Insurance companies base their rates on replacement cost, theft risk, claim frequency, and repair costs — all of which vary significantly between brands and models.
Here is how the most popular dirt bike brands compare for insurance rates in 2026.
Honda CRF Series — Moderate Insurance Costs
Honda CRF models are among the most popular dirt bikes in the world, which works in your favor for insurance pricing. High production volumes mean plentiful parts availability and lower repair costs.
CRF50F / CRF110F (Youth bikes):
- Estimated value: $1,500 - $3,000
- Typical insurance cost: $75 - $120/year (basic), $120 - $200/year (full)
- Low replacement cost makes these the cheapest to insure
- Estimated value: $5,000 - $8,000
- Typical insurance cost: $120 - $200/year (basic), $200 - $360/year (full)
- Popular with youth racers — solid middle-ground pricing
- Estimated value: $9,000 - $10,500
- Typical insurance cost: $180 - $300/year (basic), $300 - $540/year (full)
- Higher value means higher comprehensive and collision premiums
Yamaha YZ Series — Similar to Honda
Yamaha YZ models are direct competitors to Honda CRF and carry very similar insurance rates. Yamaha's reputation for reliability can sometimes result in slightly lower rates.
YZ85 / YZ125 (Two-stroke race bikes):
- Estimated value: $4,000 - $7,500
- Typical insurance cost: $100 - $180/year (basic), $180 - $320/year (full)
- Estimated value: $8,000 - $10,500
- Typical insurance cost: $160 - $280/year (basic), $280 - $480/year (full)
- Estimated value: $6,000 - $10,000
- Typical insurance cost: $140 - $250/year (basic), $240 - $420/year (full)
KTM SX / XC Series — Higher Insurance Costs
KTM is the premium European dirt bike brand, and their bikes carry higher replacement costs. Parts are more expensive, and specialized mechanics charge more for repairs. This translates to higher insurance rates across the board.
KTM SX-F (Motocross flagship):
- Estimated value: $10,000 - $12,000
- Typical insurance cost: $200 - $360/year (basic), $360 - $600/year (full)
- Highest-value production motocross bike — expect top-tier premiums
- Estimated value: $10,000 - $13,000
- Typical insurance cost: $200 - $380/year (basic), $360 - $600/year (full)
- Street-legal models may need additional coverage types
- Estimated value: $8,000 - $11,000
- Typical insurance cost: $180 - $320/year (basic), $300 - $540/year (full)
- Electric drivetrain is expensive to replace — factor that into coverage decisions
Kawasaki KX Series — Competitive Rates
Kawasaki KX models sit in the middle of the pack for insurance costs. They are slightly less expensive than KTM but comparable to Honda and Yamaha.
KX85 / KX100 (Youth motocross):
- Estimated value: $4,000 - $6,000
- Typical insurance cost: $90 - $160/year (basic), $160 - $280/year (full)
- Estimated value: $8,000 - $10,000
- Typical insurance cost: $160 - $280/year (basic), $280 - $480/year (full)
Husqvarna, GasGas, and Beta — Premium European Pricing
Husqvarna (owned by KTM's parent company Pierer Mobility) and GasGas share many components with KTM, which means similar replacement costs and insurance rates. Beta is a smaller Italian brand with higher parts costs due to lower U.S. production volumes.
Husqvarna FC / TC / FE Series:
- Typical insurance cost: 5-10% higher than equivalent KTM models
- Parts overlap with KTM helps keep repair costs manageable
- Typical insurance cost: Slightly lower than KTM (positioned as value brand)
- Growing popularity means improving parts availability
- Typical insurance cost: 10-15% higher than Japanese brands
- Specialty Italian parts command premium prices
How to Get the Best Rate for Your Specific Bike
No matter what you ride, here is how to get the lowest possible rate:
1. Know your bike's actual value. Check NADA, Kelley Blue Book, or recent sold listings on Craigslist and Facebook Marketplace. Insuring for actual value — not more — keeps your premium accurate.
2. Choose the right deductible. A $500 deductible instead of $250 can save you 15-25% on collision and comprehensive coverage. Make sure you can afford the out-of-pocket cost if you need to file a claim.
3. Compare carriers. This is the single biggest factor. The same bike can have quotes that differ by 40% or more between insurance companies. An independent agent shops multiple carriers for you automatically.
4. Bundle your policies. If you have auto, homeowners, or other insurance, bundling with your dirt bike policy can save 10-20%.
5. Keep your bike secure. Storing your bike in a locked garage, using a disc lock, and keeping it out of sight in your truck or trailer reduces theft risk — and can lower your comprehensive premium.
Get a Quote for Your Bike
Ready to see what your specific bike costs to insure? Fill out our quick quote form with your bike's year, make, model, and estimated value. We will compare rates from multiple carriers and send you a personalized quote within 15 minutes.
Honda, Yamaha, Kawasaki, KTM, Husqvarna, GasGas, Beta, Suzuki, TM — we insure them all. Licensed in all 50 states.