Insurance varies depending on where you live, brand, size of motor, and type of bike. Type of coverage and amount of coverage.Just for fun ask your insurance agent how much for full coverage for a '11 Hyabusa vs a '11 250 honda.Average maintenance will also vary depending on how much use the bike gets. And who does the work, you or the dealer. An average bike in good condition used for 5k miles a year ,you can expect a tune up every two years or so. Then there's oil changes and filter changes, brakes and other stuff. Tire life varies also, but expect more life from front tires then rear tires. 10-12k on a rear is about average, depending how hard it's ridden. Then it's a cable adjustment or light bulb now and then. The cost vary so much depending on the bike you have. A Harley will cost more to maintain then a 250 Honda, so it really depends on the bike you get.,,