Compare Honda motorcycle insurance estimates from NZ's top providers. Whether you ride a CB300R, Africa Twin, Gold Wing, or Rebel 500, find the right cover at the right price - comprehensive, third party, or fire & theft.
Star Insure is NZ's specialist motorcycle insurer, underwritten by Berkshire Hathaway Specialty Insurance (BHSI). They offer tailored cover for Honda riders across the full range - from learner bikes to touring machines.
Honda is the world's largest motorcycle manufacturer and one of the most popular motorcycle brands in New Zealand. From LAMS-approved learner bikes like the CB300R through to the flagship Gold Wing tourer, Honda offers a motorcycle for virtually every rider and every budget.
From an insurance perspective, Honda motorcycles are generally affordable to insure compared to many other brands. Parts are widely available through Honda's extensive NZ dealer network, repair costs are competitive, and the sheer volume of Hondas on NZ roads means insurers have excellent claims data to work with. Smaller-capacity models like the CB300R and Rebel 500 are among the cheapest motorcycles to insure in New Zealand.
All major NZ motorcycle insurers cover Honda models, including specialist insurer Star Insure, as well as AA Insurance, AMI, and Tower. Whether you are a learner rider looking for your first policy or an experienced tourer, you will find competitive options available.
Honda's reputation for reliability also works in riders' favour - fewer mechanical issues generally means fewer claims, which can be reflected in premiums. See our full NZ motorcycle insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Honda motorcycle models in New Zealand. Based on a 35-year-old rider with a clean record and full licence in Auckland.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Honda CB300R | Naked / Learner | $7,000-$9,000 | $300-$550 | Low | Popular LAMS-approved learner bike. One of the cheapest motorcycles to insure in NZ. |
| Honda CB500F | Naked | $9,000-$13,000 | $350-$600 | Low | Versatile middleweight naked. LAMS-approved and affordable to insure. |
| Honda CB650R | Naked | $13,000-$17,000 | $450-$750 | Low-Mid | Neo-sports cafe style with inline-four engine. Moderate insurance costs. |
| Honda CBR600RR | Supersport | $15,000-$22,000 | $600-$1,100 | Mid-High | Supersport with higher premiums due to performance category and rider profile statistics. |
| Honda Africa Twin | Adventure | $20,000-$30,000 | $500-$900 | Mid | Popular adventure tourer. Moderate premiums given its touring focus and rider demographic. |
| Honda Gold Wing | Touring | $40,000-$55,000 | $700-$1,200 | Mid | Flagship touring motorcycle. Higher value but mature rider demographic keeps premiums reasonable. |
| Honda Rebel 500 | Cruiser / Learner | $9,000-$13,000 | $350-$600 | Low | LAMS-approved cruiser popular with new riders. Low premiums and easy to insure. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical rider profiles as of early 2026. Actual premiums vary based on your motorcycle, location, riding history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Compare motorcycle insurance providers that cover Honda in New Zealand.
NZ's specialist motorcycle insurer. Underwritten by BHSI, Star Insure offers tailored cover for Honda riders from learner bikes to touring machines.
One of NZ's most trusted insurers. AA Insurance offers comprehensive motorcycle cover with multi-policy discounts for AA members.
Part of the IAG group, AMI offers straightforward motorcycle insurance with competitive pricing, particularly for lower-capacity Honda models.
State offers motorcycle insurance with a focus on value. Part of the IAG group with solid claims handling and competitive rates for Honda riders.
Tower offers motorcycle insurance with flexible cover options and competitive pricing. Their modern online platform makes managing your Honda policy straightforward.
One of NZ's largest general insurers, Vero offers motorcycle cover through brokers and intermediaries with comprehensive policy options for Honda owners.
Disclaimer: Provider ratings are editorial assessments based on publicly available information including product features, claims processes, and customer feedback. They do not constitute financial advice. Always verify details directly with the provider.
Understanding these factors can help you find more affordable Honda insurance in NZ.
A CB300R is significantly cheaper to insure than a CBR600RR. Engine capacity, performance category, and vehicle value all directly influence your premium.
Learner and restricted licence holders pay more. Riders under 25 face higher premiums. A full licence with years of claim-free riding earns the best rates.
Auckland and Wellington typically have higher motorcycle premiums than smaller centres due to higher theft rates, more traffic, and greater accident frequency.
Garaging your Honda overnight and using approved locks or alarms can help reduce your premium. Street-parked bikes generally cost more to insure.
Some insurers offer lower premiums for riders who cover fewer kilometres per year. If you only ride recreationally or on weekends, this could save you money.
Build up a no-claims discount over claim-free years. This can save you up to 65% on your Honda motorcycle insurance premium with some NZ providers.
Practical ways to reduce your Honda motorcycle insurance premium without sacrificing cover.
LAMS-approved Honda models like the CB300R and Rebel 500 are among the cheapest to insure. Building up a no-claims history on a learner bike will help you get better rates when you upgrade.
Honda premiums can vary significantly between providers. Always compare at least three estimates - specialist insurer Star Insure alongside mainstream providers like AA Insurance and Tower.
Raising your excess from $500 to $750 or $1,000 can save 10-20% on your premium. Only do this if you can afford the higher excess when you claim.
If you have car or home insurance, bundling your Honda motorcycle policy with the same provider can earn you multi-policy discounts of 5-15%.
Garaging your Honda, using a quality disc lock or chain, and fitting an approved alarm can all help lower your premium. Always let your insurer know about your security measures.
Most NZ insurers charge a loading for monthly payments. Paying your Honda motorcycle insurance annually can save 5-10% - that could be $30-$80 depending on your premium.
Common questions about insuring your Honda motorcycle in New Zealand.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit the Financial Markets Authority (FMA).
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