Average Motorcycle Insurance Cost for a 21-Year-Old

Find the Cheapest Motorcycle Insurance Quotes in Your Area

Currently insured?
{"id":6,"isAgeFieldVisible":true,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"customEventLabel":"","defaultZip":"","defaultProduct":"motorcycle","quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","trackingKey":"_motorcycle-insurance-cost-21-year-o","title":"Find the Cheapest Motorcycle Insurance Quotes in Your Area","vendor":"vp"}

We analyzed quotes from top insurers across the U.S. and found that the average cost of motorcycle insurance for a 21-year-old is $450 per year or about $38 per month. However, we also found that insurance rates varied by city. For example, average motorcycle insurance quotes for 21-year-olds in New York City are 55% greater than they are for riders in Chicago.

Motorcycle Insurance Cost for a 21-Year-Old by City

How much a 21-year-old will pay for motorcycle insurance will depend largely on where they live. In Chicago, which was the cheapest city we surveyed, rates were 36% less than in New York City, where insurance costs averaged $552 per year. And at $443 per year in Los Angeles, the rate was just a few dollars shy of the national average.

Comparing insurance costs by city for a 21-year-old motorcycle rider.

21-Year-Old Motorcycle Insurance Cost by Gender

Gender affects motorcycle insurance rates for 21-year-olds, although we found that whether men or women can expect to pay more varied based on the rider's location. However, on average, we found that young female motorcyclists can expect to pay slightly more for motorcycle coverage than young men do. Our sample 21-year-old man pays $448 per year and our 21-year-old woman pays $452 per year for a policy.

Rider profile

ChicagoLos AngelesNew YorkAverage
21-year-old male$355$454$537$448
21-year-old female$358$431$567$452
Annual difference in rates for men compared to women-1%5%-5%-1%

In Chicago and New York, motorcycle insurance costs were 4% higher for female riders than they were for male riders. In Los Angeles, however, we found this trend was reversed. Based on the quotes we gathered, 21-year-old men in Los Angeles pay $22 more per year for motorcycle insurance than female riders of the same age pay.

What Affects Motorcycle Insurance Rates?

Insurance companies consider many factors when setting motorcycle insurance rates, including your age, where you live and the bike you ride. Anything insurers can use to assess the risk of covering you and your bike can raise or lower your premiums. If an insurer can link a factor with an increased likelihood that you will get into an accident and file a claim that costs them money, they will charge you more for coverage.

  • Your age: Younger riders typically pay more for motorcycle insurance because they are more frequently involved in motorcycle accidents.
  • How long you've been riding motorcycles: Individuals with more riding experience have been proven to be safer than novice riders, and therefore they pay less for coverage.
  • Where you live: If you live in an area that is known for having a high frequency of vehicle accidents, motorcycle insurance rates will be higher to account for the increased likelihood that you will get in an accident and file a claim. Additionally, premiums will be more expensive in areas with a high incidence of theft if you have a policy that includes comprehensive insurance, which covers theft.
  • The motorcycle you are insuring: Motorcycles that are more often in accidents—such as high-performance sports bikes—will typically have more expensive premiums to account for the heightened risk. Additionally, bikes that cost more to repair or replace will cost more to insure, if you opt for comprehensive and collision coverage.

Cheapest Motorcycle Insurance for 21-Year-Olds

Our survey of quotes revealed that, on average, the company that offered the cheapest motorcycle insurance to 21-year-old riders was Nationwide. But in Los Angeles, Dairyland provided the lowest-cost motorcycle insurance quote. 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.

Insurance company

ChicagoLos AngelesNew YorkAverage annual motorcycle insurance cost

* Nationwide was not able to provide a quote for our 21-year-old California motorcycle owners.

For riders in both New York and Chicago, Nationwide's motorcycle quotes were the cheapest among the insurers we considered, with rates 43% lower than the average. This amounted to an annual cost difference of $165 in New York and $201 in Chicago compared to the citywide averages.

In Los Angeles, 21-year-old motorcycle riders should consider Dairyland, which offered the cheapest rates. Based on our research, Dairyland's annual premiums were 71% cheaper than the Los Angeles average.

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 is nearly seven times cheaper. That's mainly because claims are often much cheaper 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 just so much smaller and lighter.


Rates represent the cost of a motorcycle insurance policy for 21-year-old riders living in New York, Los Angeles and Chicago, with a 2015 Kawasaki Ninja 300 motorcycle. The policy limits include bodily injury, property damage, uninsured motorist bodily injury liability coverages as well as any other coverages required by the state.

Comments and Questions

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.