I have my bikes, cars, house, boat, etc insured with State Farm. The 919 costs me $150/yr for full coverage with a $500 deductible. I don't know if they're always the cheapest but they seem to be competitive and the few times we've had a claim over the last 25 years they've been outstanding on taking care of it. We're in the midst of a $60K+ hail damage claim right now and they're excellent compared to a lot of the horror stories I'm hearing from my neighbors with different companies. I don't mind paying a bit more if I know they're going to offer excellent service when the time comes.