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You guys are lucky you don't live in Michigan. We have a mandatory medical fund that all must pay into. It's set by law per vehicle, car or motorcycle same. It varies every year. This year it is $170 per vehicle.
"All insured Michigan drivers are required to pay Michigan's Catastrophic Claims Association fee. The fee is unique to Michigan and ensures all insured drivers will have unlimited medical coverage when injured in a car accident. The only insured vehicles not required to have the MCCA fee are vehicles in storage with comprehensive coverage only listed on the policy."
That $170 is the starting point. I'm in the lowest risk category, so the cheapest possible insurance. $325 per bike per year. And believe me, I've shopped around.
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