I'm also in a no-helmet state with a 600cc sport bike and the liability/medical combo is very cheap (I just bumped mine up to 500k coverage and it only rose to $150 a year). Comprehensive isn't very much either (but I don't have it). The pricy part is the Collision coverage (if I had that, I'd be at $500/yr). Buying an ABS bike helps. When I was bike shopping last, adding ABS to a bike cost around $500 extra, but would save $200 every year on the collision insurance!