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I am from NJ I also use Rider. My quote for a my 2009 Max was $480 year full coverage. An yes it is a cruiser.
Where are you from in NJ?
 
FWIW - Here in west central FL I pay about $150.00 a year for basic liability & uninsured motorist - no collision - Geico :ummm:
 
I pay 364.00 a year to progressive full coverage plus some extras
here in Mich with 250.00 deductible
 
I am getting bent over for $50 a month, which means $600.00 a year, but I have full everything and extra coverage so that if I get killed or permanently injured riding the dragon they wil pay off a lot of my bills. I can always replace the bike, but if I get trashed, at least the kids will get a good check.
 
I pay $250 a year in Michigan for full coverage through progressive. I have the basic coverage that is required for the loan. This no-fault **** sux
 
$75 for minimum coverage from Progressive. I'm 40 and been licenesed since 1993-1994 so that probably help a bit too.
 

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