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My insurance for Teresa is like $33 per year, much less than the YARDIS' - but I've had 5 years without accident on Teresa, and the YARDIS is new to me, that's why. OK, it's Hungary, everything different here, you can't compare directly. Gas costs ~ twice of yours, so it shifts the proportions again.
The only thing I really can't compare yet (will need a few years to come to a conclusion) is maintenance cost. Tires, oil changes, batteries, belts for the bike (chains for most other bikes), other tear and wear, possible future breakdowns with any of the vehicles, etc... now it's a bit more than gas cost with Teresa. I think I have mentioned it earlier.
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