Luckily those who feel seatbelt & helmet laws are BS are a minority in most states, bad news is that one of the exceptions is my home state, Connecticut, where we have a seatbelt law of course, but no helmet law! (duh!!!)
Now honestly, I don't want to seem too harsh but if you've been riding for a few years & understand the risk but are still stupid enough to ride without a lid and other protective gear like leather or kevlar jacket, you pretty much deserve the pain & suffering you have coming WHEN you go down! (note I don't say "if")
My problem is the morons I see weaving traffic at 90+ wearing shorts, sneakers & little else, never mind helmets.. often with an equally dumb female perched on the rear of the bike... its obvious most of these idiots have no idea what it feels like when the nurse in the ER cleans the gravel out of your road-rash with a scrub-brush! (And thats if your lucky!) Connecticut needs a helmet law to protect these idiots.
I've been riding for 20 years & have seen many wipeout's and gone down myself several times, I've personally witnessed somone die going down at about 30mph because he wasn't wearing a helmet & I've also seen someone grind the entire lower half of their full-face Bell away while sliding down I-95 after coming off at over 100mph, then get up & walk away... anyone who tells you its not safer riding with a helmet is retarded!
Finally, (& more on-topic!

) insuring my 1200cc sportbike costs about $400 per year in Connecticut, despite the fact that I have a clean driving record & again have been riding for a long time... in NY State they have a helmet law & the same year of insurance is about $175... just what do you suppose we can attribute the extra cost to?