Average Motorcycle Insurance Cost for a 21-Year-Old

Average Motorcycle Insurance Cost for a 21-Year-Old

We analyzed quotes from top insurers across the U.S. and found that the cost of motorcycle insurance for 21-year-olds can be as low as $381. However, depending on your location and insurance provider, we discovered that 21-year-olds could pay more than $900 more for motorcycle insurance.

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In addition to location, motorcycle insurance companies determine price based on your driving history, the model of bike you're insuring and the coverage limits you select. While your gender may also affect the cost of your motorcycle insurance, it's usually not a significant factor.

How Much Does Motorcycle Insurance Cost For 21-Year-Olds?

The average motorcycle insurance cost for 21-year-olds is $714 per year, or about $60 per month.

A 21-year-old's motorcycle insurance cost will depend largely on where they live. In Chicago, the most affordable city for motorcycle insurance we surveyed, rates are 42% cheaper than in Los Angeles. In L.A., motorcycle insurance costs an average of $954 per year. New York's prices, on the other hand, are the closest to the national average cost of coverage for 21-year-old riders — about $677 per year in the Big Apple.

A bar graph showing the average costs of motorcycle insurance for 21-year-olds in Chicago, Los Angeles and New York

Gender can affect motorcycle insurance rates for 21-year-olds, but nationally the effect isn't significant. While we found that female riders can expect to pay slightly more for motorcycle coverage than young men, our 21-year-old female rider pays only $7 more per year than her male counterpart.

Rider profile
Progressive motorcycle insurance
Geico motorcycle insurance
Dairyland motorcycle insurance
Allstate motorcycle insurance
Nationwide motorcycle insurance
21-year-old man$796$778$892$534$381$676
21-year-old woman$796$778$928$534$381$683
Annual difference in rates for men compared to women0%0%-4%0%0%-1%

Depending on the city, the cost disparity can be higher: In New York, motorcycle insurance costs are 4% higher for female riders than for male riders. In Chicago, the difference is less than 1%.

Cheapest Motorcycle Insurance for 21-Year-Olds

On average, the company that offered the cheapest motorcycle insurance to 21-year-old riders is Nationwide. However, the cheapest insurer overall may not have the most affordable policies in your city, or may not offer service in your area. Since rates can vary greatly by region, the only way to ensure you get the cheapest rates in your area is to compare quotes from multiple companies.

A bar graph showing the average costs of motorcycle insurance for 21-year-olds with prices from large insurers

For example in Chicago, Nationwide's motorcycle quotes are the cheapest among the insurers we considered,. Nationwide has an annual cost difference of about $600 in Chicago compared to the most expensive provider, Geico. Across all cities, the average difference between the highest rates and the lowest is $574 per year.

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How To Save On Motorcycle Insurance Rates As A 21-Year-Old

One of the best ways to save money on your motorcycle insurance premiums is to compare companies. Many large providers, such as Nationwide, Allstate and Progressive, have online forms that allow you to receive a quote, adjust your coverages and purchase a policy within minutes.

How are your rates decided?: Insurance companies consider many factors when setting motorcycle insurance prices, including your age, where you live and the bike you ride. Any detail that signals a higher risk can raise your premiums.

When you compare motorcycle insurance companies, you should also look at the array of discounts offered by each provider. We've found that Progressive tends to offer the most discounts of large providers, while Geico offers the fewest. Typically with each company, there are a number of ways to qualify for a discount, such as:

  • Electing to receive your policy information and bills electronically.
  • Paying your bills automatically or purchasing a policy in-full.
  • Completing a safety course on your bike.
  • Renewing a policy or switching from another provider.
  • Bundling with your car insurance provider.

Why Is Motorcycle Insurance So Cheap Compared To Car Insurance?

Compared to the average cost of insuring a car, which is $3,057 per year for a 21-year-old driver, getting motorcycle coverage isn't as expensive. In fact, it's about one-fourth of the cost. That's mainly because claims are often much smaller for motorcyclists than for car drivers.

The bodily injury and property damage liability, which are the most commonly required motorcycle insurance coverages, portions of premiums are cheaper for motorcyclists than for car owners because you are less likely to cause substantial damage to other motorists and their property on a bike than in a car. This is mainly due to the fact that motorcycles are much smaller and lighter than cars.


We collected motorcycle insurance quotes for sample male and female profiles. We selected the following coverage limits:

  • Bodily injury liability: $100,000 per person/$300,000 per incident
  • UIM: $100,000 per person/$300,000 per incident
  • Property damage liability: $50,000 per incident

Our quotes were sourced from Chicago, Los Angeles and New York from Progressive, Geico, Dairyland, Allstate and Nationwide for a 2016 Honda Rebel.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.