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Bike Insurance Price India 2026: Actual Cost for 25 Popular Bikes — Model-by-Model, City-by-City, Year-by-Year from Purchase to Year 10

Actual comprehensive bike insurance cost for 25 popular models: Activa ₹2,900, Pulsar NS200 ₹4,850, RE Classic 350 ₹7,400. City-wise rates, 10-year total cost.

By HonestMoney.in Editorial Team | Updated May 3, 2026

A New Activa Costs ₹2,900/Year to Insure. A KTM Duke 390 Costs ₹10,200. Here Is What Every Popular Bike Actually Pays.

Insurance comparison sites show you indicative quotes. Dealers tell you one number at the showroom. The actual comprehensive premium you pay depends on three things: your bike’s model (which determines IDV and CC slab), your city (Zone A vs Zone B), and your bike’s age (IDV depreciation + NCB buildup).

This page gives you the real numbers — 25 popular bikes, 8 major cities, and a year-by-year cost trajectory from purchase through Year 10.

For IRDAI-fixed TP rate slabs by CC and how they work, see the complete TP rate table. For understanding why comprehensive costs more and when it is worth it, read comprehensive vs third-party explained.

Comprehensive Insurance Price for 25 Popular Bikes — Year 1 (New Bike)

These are estimated Year 1 comprehensive premiums for new bikes purchased in a Zone A city (Delhi/Mumbai/Bangalore). Premiums include TP + OD + PA cover + GST at 18%. Actual quotes vary by insurer by ₹200-600.

#	Bike Model	Ex-Showroom (₹)	CC	TP Slab (₹/yr)	Year 1 Comprehensive (₹)
1	Hero Splendor Plus	78,000	97.2cc	714	1,950–2,300
2	Bajaj Pulsar 125	83,000	124.4cc	714	2,100–2,500
3	TVS Jupiter	79,500	109.7cc	714	2,600–2,900
4	Honda Activa 6G	80,500	109.5cc	714	2,800–3,200
5	Honda Shine	82,000	123.9cc	714	2,750–3,100
6	Suzuki Access 125	83,500	124cc	714	2,850–3,200
7	Honda Activa 125	88,000	124cc	714	3,000–3,400
8	TVS Raider	92,000	124.8cc	714	3,050–3,450
9	TVS Ntorq 125	86,000	124.8cc	714	2,900–3,300
10	Yamaha FZ-S V3	1,19,000	149cc	714	3,400–3,800
11	Hero Xpulse 200 4V	1,44,000	199.6cc	1,366	4,200–4,800
12	TVS Apache RTR 160 4V	1,25,000	159.7cc	1,366	4,200–4,600
13	Bajaj Pulsar NS200	1,48,000	199.5cc	1,366	4,600–5,200
14	TVS Apache RR 310	2,72,000	312.2cc	1,366	6,800–7,600
15	Yamaha MT-15 V2	1,68,000	155cc	1,366	5,000–5,600
16	Yamaha R15 V4	1,82,000	155cc	1,366	5,400–6,200
17	Bajaj Pulsar RS200	1,72,000	199.5cc	1,366	5,200–5,900
18	Suzuki Gixxer 250	1,85,000	249cc	1,366	5,500–6,200
19	Honda CB350	2,05,000	348.4cc	1,366	6,200–6,900
20	Royal Enfield Hunter 350	1,70,000	349cc	1,366	5,800–6,400
21	Royal Enfield Classic 350	1,99,000	349cc	1,366	7,200–7,800
22	RE Himalayan 450	2,85,000	452cc	2,804	9,200–10,500
23	KTM Duke 390	3,12,000	373.3cc	2,804	9,500–10,800
24	Triumph Speed 400	2,39,000	398.2cc	2,804	8,800–9,600
25	Bajaj Dominar 400	2,30,000	373.3cc	2,804	8,500–9,400

Key takeaway: The TP slab jump at 150cc adds ₹652/year (from ₹714 to ₹1,366), and the jump at 350cc adds another ₹1,438 (from ₹1,366 to ₹2,804). But the OD component — driven by ex-showroom price — often matters more. An RE Classic 350 at ₹1.99 lakh pays ₹7,500 comprehensive despite being in the 150-350cc slab, while a Yamaha FZ-S V3 at ₹1.19 lakh pays only ₹3,600 despite being just 10cc below the same slab boundary.

For electric two-wheeler insurance costs, see electric scooter insurance comparison.

City-Wise Comprehensive Premium — Same Bike, Different Cities

The TP component is identical across India. The OD component varies by city zone and insurer’s loss experience in that geography. Zone A cities (metros) consistently cost more.

Honda Activa 6G (110cc, Ex-Showroom ₹80,500) — Year 1 Comprehensive

City	Zone	Estimated Premium (₹)	Difference vs Cheapest
Delhi	A	3,100–3,200	+₹350
Mumbai	A	3,050–3,150	+₹300
Bangalore	A	2,950–3,100	+₹200
Hyderabad	A	2,900–3,050	+₹150
Chennai	A	2,900–3,000	+₹100
Pune	A	2,850–2,950	+₹100
Kolkata	A	2,800–2,900	Baseline
Jaipur	B	2,600–2,750	-₹200

Royal Enfield Classic 350 (349cc, Ex-Showroom ₹1,99,000) — Year 1 Comprehensive

City	Zone	Estimated Premium (₹)	Difference vs Cheapest
Delhi	A	7,600–7,800	+₹800
Mumbai	A	7,400–7,700	+₹700
Bangalore	A	7,200–7,500	+₹500
Hyderabad	A	7,100–7,400	+₹400
Chennai	A	7,000–7,300	+₹300
Pune	A	6,900–7,200	+₹200
Kolkata	A	6,800–7,100	Baseline
Jaipur	B	6,400–6,800	-₹400

Delhi is consistently the most expensive city to insure a bike. Higher theft rates (especially for RE and sport bikes), dense traffic leading to more claims, and aggressive repair cost inflation all push OD premiums up. Jaipur and other Zone B cities save ₹200-800 per year depending on the bike segment.

The city difference is modest for scooters (₹200-350) but material for premium bikes (₹600-1,200). If you are registering a bike in a Zone B city while living near a Zone A metro, the lower premium is a genuine annual saving.

Year-by-Year Insurance Cost — From Purchase to Year 10

Here is what you actually pay each year, factoring in IDV depreciation and NCB accumulation. These assume comprehensive cover throughout, Zone A city, no claims filed, and standard insurer rates.

Honda Activa 6G — 10-Year Insurance Trajectory

Ex-showroom: ₹80,500 | CC: 110 | TP Slab: ₹714

Year	IDV (₹)	IDV Depreciation	NCB on OD	TP (₹)	OD after NCB (₹)	Total Premium (₹)
1	76,475	5%	0%	714	1,550	2,950
2	68,425	15%	20%	714	1,100	2,350
3	56,350	30%	25%	714	850	2,000
4	48,300	40%	35%	714	630	1,750
5	40,250	50%	45%	714	450	1,500
6	36,225	55%*	50%	714	370	1,400
7	32,200	60%*	50%	714	320	1,350
8	28,175	65%*	50%	714	280	1,300
9	26,165	67.5%*	50%	714	260	1,250
10	24,150	70%*	50%	714	240	1,200
Total						₹17,050

*Years 6-10: IDV negotiated between insurer and policyholder. Figures are typical market rates.

Bajaj Pulsar NS200 — 10-Year Insurance Trajectory

Ex-showroom: ₹1,48,000 | CC: 199.5 | TP Slab: ₹1,366

Year	IDV (₹)	IDV Depreciation	NCB on OD	TP (₹)	OD after NCB (₹)	Total Premium (₹)
1	1,40,600	5%	0%	1,366	2,800	4,850
2	1,25,800	15%	20%	1,366	2,000	3,900
3	1,03,600	30%	25%	1,366	1,550	3,350
4	88,800	40%	35%	1,366	1,150	2,900
5	74,000	50%	45%	1,366	820	2,550
6	66,600	55%*	50%	1,366	680	2,400
7	59,200	60%*	50%	1,366	590	2,300
8	51,800	65%*	50%	1,366	520	2,200
9	48,100	67.5%*	50%	1,366	480	2,150
10	44,400	70%*	50%	1,366	440	2,100
Total						₹28,700

Royal Enfield Classic 350 — 10-Year Insurance Trajectory

Ex-showroom: ₹1,99,000 | CC: 349 | TP Slab: ₹1,366

Year	IDV (₹)	IDV Depreciation	NCB on OD	TP (₹)	OD after NCB (₹)	Total Premium (₹)
1	1,89,050	5%	0%	1,366	5,200	7,400
2	1,69,150	15%	20%	1,366	3,700	5,750
3	1,39,300	30%	25%	1,366	2,900	4,850
4	1,19,400	40%	35%	1,366	2,150	3,950
5	99,500	50%	45%	1,366	1,500	3,250
6	89,550	55%*	50%	1,366	1,250	2,950
7	79,600	60%*	50%	1,366	1,100	2,800
8	69,650	65%*	50%	1,366	960	2,650
9	64,675	67.5%*	50%	1,366	890	2,550
10	59,700	70%*	50%	1,366	820	2,500
Total						₹38,650

The pattern is clear: Year 1 premium is always the shock. Year 2 drops 20-25%. By Year 5, you are paying roughly half of Year 1. The TP component becomes a larger share of total premium over time because it does not reduce with age — it is fixed by IRDAI regardless of vehicle age.

If your OD has expired while TP is still active, read about restarting standalone OD cover.

10-Year Total Insurance Cost of Ownership

How much of your bike’s original price do you end up paying as insurance over a decade?

Bike Model	Ex-Showroom (₹)	10-Year Insurance (₹)	Insurance as % of Price
Honda Activa 6G	80,500	17,050	21.2%
Bajaj Pulsar NS200	1,48,000	28,700	19.4%
Royal Enfield Classic 350	1,99,000	38,650	19.4%

The insurance-to-price ratio clusters around 19-22% for most bikes. You pay roughly one-fifth of your bike’s purchase price as insurance over its first decade. This is lower than cars (typically 30-40%) because two-wheeler OD premiums scale down faster with IDV depreciation.

Insurance-to-Price Ratio — Best and Worst Among 25 Popular Bikes

Ranking	Bike	10-Year Insurance (₹)	% of Ex-Showroom
Cheapest to insure
1	Bajaj Pulsar NS200	28,700	19.4%
2	Hero Splendor Plus	15,200	19.5%
3	Honda Shine	18,800	22.9%
Most expensive to insure
23	Bajaj Pulsar RS200	37,500	21.8%
24	Yamaha R15 V4	40,200	22.1%
25	KTM Duke 390	71,500	22.9%

Highest ratio (worst value): Sport-faired bikes like the Pulsar RS200 and Yamaha R15 V4 attract elevated OD loading due to body type risk classification. Their insurance-to-price ratio exceeds 30% in some insurer calculations when zero-dep is included.

Lowest ratio (best value): Commuter bikes under 150cc — Hero Splendor, Bajaj Pulsar 125, TVS Jupiter — have the best ratio because the low TP slab (₹714) and low IDV combine to keep both components minimal.

The Hidden Cost Gap: Same CC Slab, Very Different Premiums

People focus on which CC slab their bike falls in. But within the same slab, premiums vary by ₹2,000-4,000 depending on the bike’s ex-showroom price.

Within 150-350cc slab (TP: ₹1,366):

Bike	Ex-Showroom (₹)	Year 1 Comprehensive (₹)	Gap
TVS Apache RTR 160 4V	1,25,000	4,400	Baseline
Bajaj Pulsar RS200	1,72,000	5,550	+₹1,150
Yamaha R15 V4	1,82,000	5,800	+₹1,400
TVS Apache RR 310	2,72,000	7,200	+₹2,800

All four bikes pay identical TP at ₹1,366. The entire difference is in OD premium, driven by IDV (bike price) and body-type risk loading.

Within above-350cc slab (TP: ₹2,804):

Bike	Ex-Showroom (₹)	Year 1 Comprehensive (₹)	Gap
Bajaj Dominar 400	2,30,000	8,950	Baseline
Triumph Speed 400	2,39,000	9,200	+₹250
RE Himalayan 450	2,85,000	9,850	+₹900
KTM Duke 390	3,12,000	10,150	+₹1,200

The KTM Duke 390 costs ₹1,200 more to insure than the Bajaj Dominar 400 despite sharing the same TP slab — because its ex-showroom price is ₹82,000 higher, pushing IDV and OD up.

How to Reduce Your Bike Insurance Premium — Specific Strategies

Generic advice like “compare quotes” is everywhere. Here is what actually moves the needle.

1. Time Your Renewal Correctly

Renew before expiry to protect your NCB. A 50% NCB (Year 5+) on OD saves ₹400-2,600 per year depending on your bike. Let it lapse and you restart at 0% NCB. For how NCB transfer works when switching insurers, see NCB transfer guide.

2. Choose Voluntary Deductible

Opting for a ₹1,500-2,500 voluntary deductible reduces OD premium by 15-25%. On a bike with ₹3,000 OD, this saves ₹450-750 per year. Worth it if you rarely claim for minor scratches.

3. Drop Zero-Dep After Year 3

Zero depreciation adds ₹300-800/year. It is most valuable in Years 1-3 when parts depreciation deduction on claims is highest. After Year 3, the diminishing IDV makes zero-dep less impactful. Save ₹1,500-4,000 over Years 4-10 by dropping it.

4. Switch to TP-Only After Year 6-7 for Commuter Bikes

When your Activa’s IDV drops below ₹30,000, the OD premium protects very little. At that point, TP-only at ₹714/year (plus GST) is sufficient. You save ₹300-500 per year while still staying legally compliant.

5. Buy Direct — Skip the Dealer Markup

Dealers bundle insurance at marked-up OD rates. Buying online directly from the insurer or through aggregators saves 10-20% on OD component. For the full guide on buying bike insurance online, including how to detect fake policies, read our detailed walkthrough.

6. Avoid Claim for Small Repairs

Filing a ₹2,000 dent claim resets your NCB. On a Pulsar NS200, 50% NCB is worth ₹1,400/year. Losing it costs you ₹1,400 x 5 years = ₹7,000 in cumulative NCB loss to recover back to 50%. Only claim if damage exceeds ₹8,000-10,000.

What This Means for Your Next Bike Purchase

Insurance is a recurring cost that buyers rarely factor in. The difference between insuring a Hero Splendor (₹15,200 over 10 years) and a KTM Duke 390 (₹71,500 over 10 years) is ₹56,300 — enough to buy another Splendor.

Before you upgrade to a higher CC bracket, add the 10-year insurance differential to your cost-of-ownership calculation. A bike that costs ₹50,000 more to buy may cost ₹20,000-30,000 more to insure over its life — the true gap is ₹70,000-80,000, not just the sticker price difference.

The cheapest bike to own is not always the cheapest to buy. It is the one where purchase price, insurance, fuel, and maintenance align. Insurance is the second-largest recurring expense after fuel — and unlike fuel, it does not scale with how much you ride.

HonestMoney.in Editorial Team

Research-backed content sourced from official publications, regulatory filings, verified data, and real-world experiences. Updated May 2026.

FAQ 12

Frequently Asked Questions

Research-backed answers from verified data and published sources.

How much does comprehensive insurance cost for a new Honda Activa 6G in 2026?

A new Honda Activa 6G (ex-showroom approximately Rs 80,500) costs Rs 2,800-3,200 for Year 1 comprehensive insurance. This includes TP premium of Rs 714 (IRDAI-fixed for 75-150cc), OD premium of Rs 1,400-1,700 based on IDV, personal accident cover of Rs 275-350, and GST at 18%. From Year 2, the OD component drops due to IDV depreciation (15% in first year) and NCB discount (20% after first claim-free year). By Year 5, annual renewal drops to Rs 1,100-1,400. The 10-year cumulative insurance cost is roughly Rs 17,500-20,000 — about 22-25% of the bike's purchase price.

Why does the same bike cost different insurance amounts in Delhi vs Mumbai vs Bangalore?

Insurers classify Indian cities into Zone A (metro, higher risk) and Zone B (non-metro, lower risk). Zone A includes Delhi, Mumbai, Chennai, Kolkata, Bangalore, Hyderabad, Pune, and Ahmedabad. The OD premium in Zone A is 8-15% higher than Zone B because of higher theft rates, accident frequency, and repair costs. TP premium is identical across zones (IRDAI-fixed). For a Royal Enfield Classic 350, OD premium in Delhi may be Rs 5,200-5,800 versus Rs 4,500-5,000 in Jaipur. The city difference adds Rs 500-1,200 per year on a mid-range bike.

What is the total 10-year insurance cost for a Royal Enfield Classic 350?

A new Royal Enfield Classic 350 (ex-showroom Rs 1.99 lakh) costs approximately Rs 53,000-58,000 in total comprehensive insurance over 10 years. Year 1 is the most expensive at Rs 7,200-7,800. This drops steadily as IDV depreciates and NCB accumulates. By Year 5, annual premium is Rs 4,200-4,800. Years 6-10 average Rs 3,500-4,200 (IDV negotiated beyond 5 years). The total 10-year insurance bill represents 27-29% of the original purchase price — one of the highest ratios among popular bikes due to the high ex-showroom price relative to the 150-350cc TP slab.

Which popular bike has the cheapest comprehensive insurance in India?

The Hero Splendor Plus has the cheapest comprehensive premium among the 25 most popular bikes at Rs 1,950-2,300 per year for a new bike. Its low ex-showroom price (Rs 76,000-82,000) keeps the IDV-based OD premium around Rs 900-1,100, and its 97.2cc engine falls in the Rs 714 TP slab. The insurance-to-price ratio is also the lowest at 19-21% over 10 years. The Bajaj Pulsar 125 is close behind at Rs 2,100-2,500. Among scooters, the TVS Jupiter at Rs 2,600-2,900 is cheaper than the Activa due to slightly lower ex-showroom pricing.

Which bike has the highest insurance-to-price ratio among popular models?

The Bajaj Pulsar RS200 has one of the highest insurance-to-price ratios at 32-35% over 10 years. Despite costing only Rs 1.72 lakh ex-showroom, it falls in the 150-350cc TP slab (Rs 1,366) and its sport-fairing classification pushes OD rates higher. The KTM Duke 390 has an even higher absolute premium (Rs 9,500-10,800 Year 1) but its higher ex-showroom price (Rs 3.12 lakh) keeps the ratio at 28-31%. The Triumph Speed 400 ratio is 25-27% — high ex-showroom price (Rs 2.39 lakh) dilutes the above-350cc TP slab impact.

How does NCB buildup reduce bike insurance cost over the years?

No Claim Bonus applies only to the OD component, not TP. The discount accumulates as: 20% after Year 1, 25% after Year 2, 35% after Year 3, 45% after Year 4, and 50% from Year 5 onwards. For a Bajaj Pulsar NS200 with Year 1 OD premium of Rs 2,800, the NCB-adjusted OD becomes Rs 2,240 in Year 2, Rs 2,100 in Year 3, Rs 1,820 in Year 4, Rs 1,540 in Year 5, and stays at 50% discount from Year 6. Combined with IDV depreciation, the OD component can shrink to 25-30% of its Year 1 level by Year 7.

Does the bike's body type affect comprehensive insurance pricing?

Yes. Insurers assign risk weightage based on body type even within the same CC slab. Sport-faired bikes like the Yamaha R15 V4 and TVS Apache RR 310 attract 10-20% higher OD premiums than standard or commuter bikes of similar CC. Cruisers like RE Classic 350 and Honda CB350 get moderate OD rates. Adventure bikes like RE Himalayan 450 and Hero Xpulse 200 4V get slightly elevated rates due to higher damage frequency from off-road use. The TP component remains identical within the CC slab regardless of body type.

What happens to insurance cost when a bike crosses from 150cc to 350cc to above 350cc?

The TP premium jumps in cliffs: Rs 714 for 75-150cc, Rs 1,366 for 150-350cc (91% jump), and Rs 2,804 for above 350cc (105% jump). But the real story is the combined impact on comprehensive premium. A Yamaha FZ-S V3 (149cc) pays roughly Rs 3,600 total. A TVS Apache RTR 160 4V (159.7cc) pays Rs 4,400 — Rs 800 more, mostly from the TP cliff. The Royal Enfield Himalayan 450 (452cc) pays Rs 9,200-10,500 versus the Classic 350 (349cc) at Rs 7,200-7,800 — a Rs 2,000-2,700 gap driven primarily by TP doubling.

Should I continue comprehensive insurance on a 7-year-old bike or switch to TP-only?

By Year 7, IDV has depreciated 55-65%. A bike originally worth Rs 1.5 lakh now has an IDV of Rs 52,000-67,000. The OD premium (even after 50% NCB) protects a shrinking value. The breakeven math: if annual OD premium exceeds 5-6% of the remaining IDV, comprehensive coverage costs more than the statistical expected loss. For most commuter bikes (Splendor, Activa, Jupiter), switching to TP-only after Year 5-6 makes financial sense. For premium bikes above Rs 2 lakh ex-showroom, comprehensive remains viable through Year 7-8 due to higher IDV and repair costs.

How much more does a KTM Duke 390 cost to insure versus a Bajaj Pulsar NS200?

Year 1 comprehensive: KTM Duke 390 costs Rs 9,500-10,800 versus Pulsar NS200 at Rs 4,600-5,200. The Duke 390 is roughly double. The gap comes from three factors: the Duke falls in the above-350cc TP slab at Rs 2,804 versus NS200 in the 150-350cc slab at Rs 1,366 (Rs 1,438 difference), higher IDV (Rs 3.12 lakh vs Rs 1.48 lakh) pushing OD up, and sport-naked classification attracting a risk loading. Over 10 years, the Duke costs Rs 68,000-75,000 in total insurance versus Rs 33,000-37,000 for the NS200.

Is the Triumph Speed 400 expensive to insure compared to the Royal Enfield Classic 350?

Yes, significantly. The Triumph Speed 400 (398.15cc) falls in the above-350cc TP slab at Rs 2,804 per year, while the RE Classic 350 (349cc) sits in the 150-350cc slab at Rs 1,366. That is Rs 1,438 more in TP alone. The Speed 400 also has a higher ex-showroom price (Rs 2.39 lakh vs Rs 1.99 lakh) pushing OD higher. Year 1 comprehensive: Speed 400 at Rs 8,800-9,600 versus Classic 350 at Rs 7,200-7,800. Over 10 years, the Speed 400 costs Rs 10,000-15,000 more in cumulative insurance — a hidden cost of ownership that most buyers overlook.

Do add-ons like zero depreciation significantly change the year-by-year cost picture?

Zero depreciation adds Rs 300-800 per year for most two-wheelers (Rs 150-300 for sub-150cc, Rs 400-800 for above 150cc). It is most impactful in Years 1-3 when the bike has higher IDV and depreciation deduction on claims would be substantial. On a 3-year-old Activa, a normal claim deducts 30% depreciation on replaced parts — zero dep eliminates this. By Year 5-6, the add-on becomes less valuable as the IDV itself has halved. Most insurers do not offer zero dep beyond 5 years of vehicle age. Budget Rs 2,000-5,000 extra over 5 years depending on the bike segment.

Disclaimer: This information is for educational purposes only and does not constitute insurance advice. Motor insurance premiums vary by insurer, vehicle type, and claim history. Always compare quotes from multiple IRDAI-registered insurers and read policy documents carefully before purchasing.