I will not ride with out it and will not ride in a group if any of them do not have insurance.That being said. If any (and most of are) ex service you should check out USAA web site. I got better insurance at 1/2 the price I was paying and better coverage for my 2008 vn 900 lt..Also got a good deal on both my trucks.I live in tampa and insurance is high here.Just put this out for you all to look in if you need insurance. Have a great ride. Davego2 tampa fl.