Im from Canada, our rates are a lot different then yours. I also live in the 4th largest city in North America, so that i think has something to do with it too.$136 amonth HOLY S**T !!! Thats alittle high bro especially with you being 25. I have state farm and I pay $52 a month for full coverage and my bike is paid for. I got full coverage so I could have theft and crash coverage instead of just liability.
Thats high dude I would shop around if I were you