I'm 22, with one point on my record, and I have State Farm liability for $40 a month. It will supposedly go down drastically next year when I turn 23 and my point drops off my record. Previous owner of my bike was paying $35 a month for State Farm full coverage but was 29. It's not that bad considering that i spend like $15 on gas a month because I barely ride it, so it's way better than when I had my Nissan 350Z, haha.