How much is a used Kawasaki Z650 worth?

A 2023 Kawasaki Z650 in good condition with around 9,000 miles is worth roughly £4,950 (typical range £4,450–£5,400). Dealer asking prices sit higher than private sales, and a full service history, no crash damage and an unbroken theft record are what hold a bike at the top of its range.

How quickly does the Kawasaki Z650 depreciate?

We don't yet hold model-specific depreciation for the Kawasaki Z650. Our default estimate for machines of this kind is a loss of about 28% over three years, against a 25–32% norm for bikes generally — treat it as a starting point rather than a measurement of this model. Bikes hold value considerably better than cars, which typically lose 40–50% over the same period.

Can you ride the Kawasaki Z650 on an A2 licence?

Only if restricted. The Kawasaki Z650 is an unrestricted category A machine as sold, but it can be restricted to A2 limits. A restricted example is worth checking carefully — the paperwork matters to insurers, and a derestricted bike on an A2 licence is not road legal.

How much does it cost to insure a Kawasaki Z650?

Expect around £820 a year to insure a Kawasaki Z650, typically £640–£1,100. That assumes age 30, 3yrs NCB, suburban postcode. It sits in motorcycle insurance group 10 of 17. Bike premiums move far more on licence tier, rider age and postcode than car premiums do, so treat this as a starting point rather than a quote.

What goes wrong on a used Kawasaki Z650?

The wear and failure points we track for the Kawasaki Z650 are: stock fork springs (soft) (any, £150 progressive upgrade); chain stretch (around 18-20k mi, £250); regulator/rectifier (pre-2022) (around 30k+ mi, £200). We don't publish a reliability score for bikes — the MOT dataset behind our car scores doesn't support one at model level — so treat these as the specific things to inspect rather than a verdict. A full service history and a fresh MOT without advisories remain the best protection.

What does a Kawasaki Z650 cost to run?

Expect around 60 mpg, about £363 a year in fuel or energy, £240 for an annual service, £320 a pair for tyres every 6,500 miles, £250 for a chain and sprockets every 19,000 miles. Figures assume 3,000 miles a year, the UK average from DfT travel and traffic statistics, and current DESNZ pump prices. The cost-of-ownership table on the profile breaks this down per year and per mile.

Is the Kawasaki Z650 likely to be stolen?

The Kawasaki Z650 is a moderate theft target. Less targeted than Yamaha MT-series but still on insurance watch-lists. Chain + disc lock advised in London postcodes. Theft is concentrated in E, N postcode areas. A Thatcham-approved chain and ground anchor, a disc lock and a tracker are what insurers look for, and secure overnight storage moves a premium more than almost anything else.

← All bikes

NakedLicense A (Unrestricted)2,600/yr UK

Kawasaki Z650

Kawasaki's MT-07 challenger — and the cheapest middleweight naked you can buy. 649cc parallel-twin, 67 PS, A2-restrictable, light at 187 kg. The Z650 doesn't out-spec the MT-07 anywhere meaningful, but it's £750 cheaper new — which buys a lot of upgraded suspension. Strong choice for buyers who want middleweight naked performance on the tightest budget.

Engine: 649 cc
Power: 67 PS
Weight: 187 kg
Seat height: 790 mm
A2 licence: Restrictable

The short version

54/100

Forecourt score

Value 55 · Insurance 44 · Theft 65

The Kawasaki Z650 costs about average to insure (group 10). Theft risk is moderate. It can be restricted for an A2 licence. We don't yet hold model-specific depreciation for the Kawasaki Z650; our default estimate is around 28% lost over three years.

A bike-specific blend of value retention, insurance and theft risk (weighted 40/35/25). Bikes carry no MOT reliability data, so reliability isn't scored. Higher is better. The value pillar uses our default estimate for this bike, not a model-specific figure.

Variant: Z650

Engine

Petrol · 649cc

Power

67 ps

Torque

64 Nm

Weight

187 kg

Seat

790 mm

Transmission

6-speed manual

Economy

60 mpg

License

A2 restrictable

Volume Z650. 649cc parallel-twin, 67 PS, 64 Nm. 6-speed manual, chain final. 187 kg wet. 790mm seat. A2-restrictable.

Tell us about the one you're looking at

Year of registration2023

20212026

Mileage on the clock9,000 mi

0Expected: 9,00060k

Conditiongood

PoorFairGoodExcellent

Tidy and well looked-after for its age — the typical clean bike.

Estimated market value

£4,931

Range £4,438 – £5,424

HIGH CONFIDENCE

When new (2023)£6,849

Age-based value£4,931

Mileage adjustment+£0

Condition adjustment+£0

Holding value

Bikes hold value far better than cars — typical motorcycle 3-year depreciation is 25–32%, against cars' 40–50%. Some bikes (Hayabusa, Gold Wing, classic Z1000) actually appreciate in the 7–15 year zone as cult demand outstrips supply.

New

£7,099

At 5 years

£4,401

At 10 years

£3,053

Value loss by phase

Each band shows the share of original value lost during that window — not cumulative. Appreciation (green, marked +X% gained) is real for bikes that develop cult status.

Years 0–3First-owner depreciation28% lost

Years 3–7Used-market sweet spot20% lost

Years 7–15Stable / vintage-cult zone24% lost

After year 3: 72% retainedAfter year 7: 52% retainedAfter year 15: 28% retained

UK new price by year

How we estimate this

We don't yet hold model-specific depreciation for this bike. The figures above are our default estimate for machines of this kind, currently applied to 2 models in the catalogue — treat them as a starting point, not a measurement of this model. Bike residuals depend heavily on theft history, service-stamp count and crash-damage signatures. Figures assume a clean, fully-stamped example.

What it costs to own

Over

Indicative running costs at 3,000 miles a year — the UK average from DfT travel and traffic statistics. Chain-drive bikes carry a chain/sprocket consumable line; tax (typically £25–£100/yr) and depreciation are excluded — see the section above for value retention.

3-year total

£2,459

Per year

£820

Per mile

£0.27

Servicing£720

Tyres (pair)£443

Chain & sprockets£118

MOT£89

Fuel / energy£1,089

Service costs assume independent specialist labour and OE parts. Tyre intervals reflect typical UK road riding — track-day usage burns through rear tyres in <2,000 miles. Fuel uses the variant MPG at the current DESNZ pump price of £1.60/L (week commencing 03/08/2026). Electric bikes are costed from battery capacity and published range at the current domestic electricity price; where a bike has no published range we show no energy line rather than guess. Lower-mileage riders see proportionally lower totals; higher-mileage commuters pay roughly linearly more.

Estimated insurance

Group 10 of 17 (high — performance) · Comprehensive · 5 yr NCB

Indicative annual comprehensive premiums for this bike. Bike insurance is far more sensitive to licence tier and rider age than cars — pick the combination closest to your circumstances.

Licence

Age

No-claims bonus

5 years

0 yearsBaseline: 5 years15+

Risk profile

Estimated annual premium · typical, age 30-39

£820/ year

Roughly £68 per month

Typical

Suburban postcode, 3+ years NCB, standard security (Thatcham chain + disc lock), no recent claims.

Age band	Lower risk	Typical	Higher risk
Age 17-21	£1,353	£1,804	£2,526
Age 22-29	£830	£1,107	£1,550
Age 30-39Selected	£615	£820	£1,148
Age 40-49	£541	£722	£1,010
Age 50+	£492	£656	£918

How we estimate this

Premiums combine licence tier, rider age, no-claims bonus and a risk-profile multiplier on top of a bike-specific baseline. Bike insurance is materially more sensitive to licence tier (CBT / A1 / A2 / A) than car insurance, and young riders pay considerably more than older riders even on the same machine. Always get individual quotes before buying.

Theft risk

Bike-specific · Met Police + insurance reporting

UK bike theft rates are an order of magnitude higher than car theft. Nakeds and supersports lose more to professional gangs; large adventure bikes and tourers are statistically much safer.

Theft risk score · 1 to 4

2/4Medium risk

1 — Low2 — Medium3 — High4 — Very high

Medium risk

Some theft pattern, particularly in urban postcodes. Thatcham-approved chain plus disc lock recommended; secure overnight parking helps premiums.

Theft hotspot postcodes

Postcode prefixes only; full London hot zone runs across E, N, NW, SE, SW, W boroughs depending on the model.

What this means for you

Less targeted than Yamaha MT-series but still on insurance watch-lists. Chain + disc lock advised in London postcodes.

How we set this band

Bands derived from Met Police bike-theft reporting (most-stolen lists) cross-referenced with insurance industry underwriting data. Model + postcode are the two biggest factors in motorcycle theft risk in the UK, materially more than vehicle value.

What goes wrong

5 known issues · sorted by severity

Documented failure modes from UK owner forums, dealer service bulletins, and aggregated mechanic feedback. Mileages are approximate — different riders see different intervals depending on use and maintenance. Always address "high"-severity items before resale.

High severity

Medium

Low / cosmetic

Severity	Part / issue	Typical mileage	Cost
medium	Chain stretch 18-20k mi	18-20k mi	£250
medium	Regulator/rectifier (pre-2022) 30k+ mi	30k+ mi	£200
low	Stock fork springs (soft) any	any	£150 progressive upgrade
low	Fork seals 25k mi	25k mi	£120
low	Battery every 3 years	every 3 years	£80

How we score severity

High — strands the bike or causes consequential damage if left. Medium — service item that affects ride quality or risks failure. Low — cosmetic or minor inconvenience. Costs are independent-specialist UK rates for parts and labour together; main dealer prices typically run 30–50% higher.

Safety recalls

Manufacturers occasionally issue safety recalls to fix a fault free of charge. You can check whether the Kawasaki Z650, or your exact vehicle, has any outstanding recalls on the official DVSA service.

Check on GOV.UK

Opens the Driver & Vehicle Standards Agency recall checker. Choose the make, model and year of manufacture — no registration needed.

Variant comparison

Z650

New: £7,099Fuel/yr: £3633yr depreciation: 28%

The budget middleweight naked. Cross-shop Yamaha MT-07 (£750 more, more character, more theft-prone), Honda CB650R (inline-four, £1.4k more), Triumph Trident 660 (more power, more refined, £1.2k more). Z650 wins on price; loses to MT-07 on residuals and character.

Known issues

Stock suspension soft — most owners upgrade fork springs (£150)
Chain stretch at 18-20k mi (£250)
Regulator/rectifier on early bikes (improved 2022+)
Fork seals at 25k mi (£120)
Otherwise extremely reliable — proven Kawasaki twin

Strengths

+Cheapest middleweight naked — £750 less than MT-07
+A2-restrictable to 35kW
+Light at 187 kg — friendly for newer riders
+Kawasaki reliability — proven 649cc twin
+Strong residuals on the used market

Watch-outs

−Less power than MT-07 (67 vs 73 PS) and Trident (80 PS)
−Stock suspension softer than rivals — upgrade money needed
−TFT dash optional, not standard until SE trim
−Kawasaki dealer network smaller than Yamaha/Honda

Value this bike All bikes

Related bikes

Common questions

Kawasaki Z650, answered from the data

How much is a used Kawasaki Z650 worth?: A 2023 Kawasaki Z650 in good condition with around 9,000 miles is worth roughly £4,950 (typical range £4,450–£5,400). Dealer asking prices sit higher than private sales, and a full service history, no crash damage and an unbroken theft record are what hold a bike at the top of its range.
How quickly does the Kawasaki Z650 depreciate?: We don't yet hold model-specific depreciation for the Kawasaki Z650. Our default estimate for machines of this kind is a loss of about 28% over three years, against a 25–32% norm for bikes generally — treat it as a starting point rather than a measurement of this model. Bikes hold value considerably better than cars, which typically lose 40–50% over the same period.
Can you ride the Kawasaki Z650 on an A2 licence?: Only if restricted. The Kawasaki Z650 is an unrestricted category A machine as sold, but it can be restricted to A2 limits. A restricted example is worth checking carefully — the paperwork matters to insurers, and a derestricted bike on an A2 licence is not road legal.
How much does it cost to insure a Kawasaki Z650?: Expect around £820 a year to insure a Kawasaki Z650, typically £640–£1,100. That assumes age 30, 3yrs NCB, suburban postcode. It sits in motorcycle insurance group 10 of 17. Bike premiums move far more on licence tier, rider age and postcode than car premiums do, so treat this as a starting point rather than a quote.
What goes wrong on a used Kawasaki Z650?: The wear and failure points we track for the Kawasaki Z650 are: stock fork springs (soft) (any, £150 progressive upgrade); chain stretch (around 18-20k mi, £250); regulator/rectifier (pre-2022) (around 30k+ mi, £200). We don't publish a reliability score for bikes — the MOT dataset behind our car scores doesn't support one at model level — so treat these as the specific things to inspect rather than a verdict. A full service history and a fresh MOT without advisories remain the best protection.
What does a Kawasaki Z650 cost to run?: Expect around 60 mpg, about £363 a year in fuel or energy, £240 for an annual service, £320 a pair for tyres every 6,500 miles, £250 for a chain and sprockets every 19,000 miles. Figures assume 3,000 miles a year, the UK average from DfT travel and traffic statistics, and current DESNZ pump prices. The cost-of-ownership table on the profile breaks this down per year and per mile.
Is the Kawasaki Z650 likely to be stolen?: The Kawasaki Z650 is a moderate theft target. Less targeted than Yamaha MT-series but still on insurance watch-lists. Chain + disc lock advised in London postcodes. Theft is concentrated in E, N postcode areas. A Thatcham-approved chain and ground anchor, a disc lock and a tracker are what insurers look for, and secure overnight storage moves a premium more than almost anything else.

Answers are generated from this bike's Forecourt data — curated specifications, our valuation model and the week's DESNZ fuel and energy prices — and update with the weekly data refresh.