Compare Honda motorcycle insurance estimates from leading Australian providers. Whether you ride a CB300R, Africa Twin, Gold Wing, or Rebel 500, find comprehensive, third party, or fire & theft cover that suits your riding style and budget.
Swann Insurance is Australia's dedicated motorcycle insurance specialist, offering purpose-built policies for Honda riders at every experience level. From LAMS-approved learner bikes through to heavyweight tourers, Swann provides cover tailored specifically for riders.
Honda remains one of the top-selling motorcycle brands on Australian roads, with a model range stretching from entry-level LAMS machines to the iconic Gold Wing tourer. With roughly 870,000 registered motorcycles in Australia, Honda consistently accounts for a significant share of that total.
Insuring a Honda in Australia is typically straightforward and cost-effective. Parts supply through Honda's extensive Australian dealer network keeps repair bills competitive, and the sheer popularity of Honda models gives insurers a deep pool of claims data to price policies accurately. Entry-level bikes such as the CB300R and Rebel 500 sit among the least expensive motorcycles to insure nationwide.
All major Australian motorcycle insurers cover Honda, including specialist provider Swann Insurance, enthusiast-focused Shannons, and mainstream insurers QBE and AAMI. Regardless of whether you hold a learner permit or a full licence, competitive options are available.
Honda's well-documented dependability also works in your favour when it comes to premiums - fewer breakdowns and warranty claims translate to a favourable risk profile. Keep in mind that CTP insurance (also called a green slip in NSW) is compulsory for every registered motorcycle in Australia and is separate from your comprehensive or third party policy.
Estimated annual comprehensive insurance costs for popular Honda motorcycle models in Australia. Based on a 35-year-old rider with a clean record and full licence in Sydney.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Honda CB300R | Naked / Learner | $7,500-$9,500 | $350-$600 | Low | One of the most popular LAMS-approved bikes in Australia. Consistently among the cheapest motorcycles to insure. |
| Honda CB500F | Naked | $9,500-$13,500 | $400-$650 | Low | A versatile middleweight that qualifies under LAMS in most states. Insurance costs remain very manageable. |
| Honda CB650R | Naked | $14,000-$18,000 | $500-$800 | Low-Mid | Neo-sports cafe styling with a smooth inline-four. Sits in a moderate insurance bracket for its class. |
| Honda CBR600RR | Supersport | $16,000-$24,000 | $700-$1,200 | Mid-High | Supersport classification pushes premiums higher due to performance rating and historical claims data for sport bikes. |
| Honda Africa Twin | Adventure | $22,000-$32,000 | $550-$950 | Mid | Hugely popular adventure tourer in Australia. Moderate premiums thanks to its touring orientation and mature rider base. |
| Honda Gold Wing | Touring | $42,000-$58,000 | $750-$1,300 | Mid | Honda's flagship tourer carries a high replacement value, but its experienced rider demographic helps moderate premiums. |
| Honda Rebel 500 | Cruiser / Learner | $9,500-$13,500 | $400-$650 | Low | LAMS-approved cruiser with strong appeal among new riders. Low premiums and straightforward to insure. |
Disclaimer: All figures shown are indicative estimates drawn from publicly available data and typical rider profiles as of early 2026. Your actual premium will depend on your motorcycle, location, riding history, and chosen level of cover. These are not quotes. Always obtain a personalised quote directly from the insurer. If you spot an error, please let us know.
Compare motorcycle insurance providers that cover Honda bikes across Australia.
Australia's dedicated motorcycle insurance specialist, Swann builds policies from the ground up for riders. Honda owners benefit from cover options designed around two-wheel risks, including riding gear protection and agreed value.
Shannons has built a loyal following among motorcycle enthusiasts in Australia. Their policies cater to riders who value their Honda as more than just transport, with features like agreed value and multi-vehicle discounts.
QBE provides motorcycle cover as part of its broad general insurance offering. Honda riders can access comprehensive, third party fire and theft, or third party property damage policies through QBE's established claims network.
AAMI is one of Australia's best-known insurance brands, offering motorcycle policies with competitive pricing for Honda riders. Their straightforward online quoting process makes it easy to compare cover levels.
Disclaimer: Provider ratings reflect editorial assessments based on publicly available information, product features, claims processes, and customer feedback. They do not constitute financial advice. Always confirm details with the provider directly.
Understanding these factors can help you secure more affordable Honda insurance in Australia.
A CB300R costs substantially less to insure than a CBR600RR. Engine capacity, performance classification, and bike value all feed directly into your premium calculation.
Riders on a learner permit or provisional licence typically face higher premiums. Under-25 riders also pay more. Progressing through L, P1, P2, and onto a full licence with claim-free years earns the best pricing.
Premiums in Sydney and Melbourne are generally higher than in regional areas, driven by greater theft incidence, heavier traffic, and increased accident frequency in metropolitan zones.
Storing your Honda in a locked garage and fitting an approved immobiliser, disc lock, or alarm system can help bring your premium down. Bikes parked on the street typically attract higher costs.
Some Australian insurers adjust premiums based on estimated annual kilometres. Weekend-only or recreational riders may qualify for reduced rates compared to daily commuters.
Each claim-free year earns you a no-claims discount, which can grow to save you a significant portion of your premium. Some insurers also offer Rating One protection as an add-on.
Practical ways to lower your Honda motorcycle insurance costs without compromising on cover.
LAMS-approved Honda models such as the CB300R and Rebel 500 attract some of the lowest premiums available. Building a claim-free track record on a learner-approved bike puts you in a stronger position when you move up to a larger capacity model.
Honda insurance pricing varies noticeably between providers. Collect at least three estimates - try Swann Insurance as a motorcycle specialist alongside mainstream options like AAMI and QBE to see the spread.
Lifting your voluntary excess from $500 to $750 or $1,000 can trim your premium by 10 to 20 percent. Only choose an excess you could comfortably pay if you needed to make a claim.
Holding your motorcycle, car, and home insurance with a single provider can unlock multi-policy savings of 5 to 15 percent. Ask each insurer about bundling discounts when you request your quote.
Parking your Honda in a locked garage, fitting a disc lock or heavy-duty chain, and installing an approved alarm are all measures that insurers reward. Make sure you declare your security setup when applying.
Most Australian insurers add a surcharge for monthly instalment plans. Paying your premium in one annual lump sum can save between 5 and 10 percent, which could mean $40 to $90 back in your pocket.
Common questions about insuring your Honda motorcycle in Australia.
Disclaimer: The information on this page is general in nature and does not constitute financial advice. While we work to keep content accurate, insurance products, pricing, and terms are subject to change. Always confirm details directly with the insurer before making a decision. If you require personalised guidance, consider consulting a licensed financial adviser. For further information, visit MoneySmart or AFCA.
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