CHEAPEST ???
I don't think it is a good idea to look for CHEAP!!
We talk about this all the time with my fellow riders.
Make sure you look at the policy and check your coverage.( apples for apples )
I live in Pa. and sure don't have state min.
My son has state min BUT he really has no assets to speak of so if he was to be sued you can't get blood from a stone.
I myself have a insurance agent and she knows what i need to be PROTECTED!
My 2008 Ultra full coverage is 500 a year.
It my seem to be high but I have very good coverage.
Good luck and ride safe