about $1000 for my 1krr, with allstate. full coverage, I think $200k/$400k coverage. I'd have to look. I work in a very wealthy city, I can see my bike hitting an AMG... Have yet to hit the ground though. my zx6r 09, full coverage is $350, but when I only had my zx6r it was $700-$800. so they get you either way.
$3800 is ridiculous? do you have points on your record?