You all are going to hate me for this but to insure a 2019 BMW 310R for the year is just $75.00. I bought the bike cash a few years ago so no theft or collision just basic liability insurance and some extra under insured motorist coverage. I have an acquantance that was hit by a car, his injuries required multiple surgeries and the car owner that hit him only haf a max of $250,000 of coverage. They ran thru that quickly and now he is disabled and has to sue the driver to attempt to recover anything above that amount. He is now living back with his parents at 48 years old, unable to work and still needing further surgery. Protect yourselves!