I was planning on getting a 990 Adventure when it comes out either this year or next year and I figure that the 950 Adventure would have about the same insurance rate. I was also planning on buying my niece a Ninja 250 next year for her high school graduation. I figured I'll buy the Ninjette now and break it in for her. and make sure that it's ready to go comes next summer. Anyway, the insurance quote came back as $196/year for the Ninjette and get this, $78/year for the 950 Adventure. So, a $3000 smallbore bike costs me 2.5 times as much to insure as would a much more powerful bike that costs five times as much.