Err...what? My post said "If you get in an accident and land on your head without a helmet...", to further explain the first sentence. Did you seriously stop at the first sentence, and then form a reply? I actually never said my insurance rates were high...I said insurance rates and taxes (as a whole, not mine) are higher than they should be because of things like this. Seriously, I'm trying not to be offensive, but it's like you're reading a few words or a sentence out of each of my posts and replying with a smartass response. 1) I'm 30, so "young" no-longer pertains to my age 2) I'm male, but since we have that in common it would have no effect on any perceived difference in our insurance costs (perceived, because you have no idea what I pay) 3) High risk for a crash -- anyone with a sportbike is classified as this to the insurance companies 4) Not very smart? Good one lol I have multiple graduate degrees and make a fairly good amount of money. I was also special operations in the air force, which is one of the hardest positions in the military to achieve and then succeed in (physically, sure, but mentally, as well). Taxes are affected by the lack of proper riding gear because everyone that is severely injured or killed while operating any type of vehicle on public roads increases the need (according to the government) for a "rehabilitation pocket" fund. These funds are basically where the money comes from that contributes to the government assistance people in those situations are afforded. As the need for those funds increases, the pot that contains those funds is necessarily grown. It's not a linear relationship, but it's a fact that tax rates are increased because of higher motor vehicle accident rates. Some states even have "financial responsibility" laws, which directly increase the amount of taxes or payments required when operating certain types of vehicles, because of the accident rates. Texas is a huge proponent, which collects more money for registration because of those rates.