1. You’re under 25 = cruddy rates for everything
2. Do you own a car = Multiple vehicle discounts are nice
3. Have you taken a MSF course? classes = discounts
4. Are you with a motorcycle club = Honda Enthusiasts, etc. = discount
There’s much more factors to insurance than you might realize, but that does sound a bit high. I’m turning 28 in April, and I’m only paying $75/yr.