My insurance is $75 a year through Progressive.
It's all liability/medical - no money for replacing the bike if it gets wrecked.
I figure if that happens I would be happy just to walk away from it. If I can't walk away, I have bigger concerns than paying for the replacement cost of the cycle.
Even if the frame of the bike is wrecked, the motor and controller were half the cost of the whole thing, and both of those should both be prefectly fine even after a collision to reuse in another project.
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