How Much Is Motorcycle Insurance for an 18-Year-Old?

How Much Is Motorcycle Insurance for an 18-Year-Old?

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The average cost of motorcycle insurance for an 18-year-old is $1,052 per year. Geico has the cheapest motorcycle insurance for 18-year-old drivers at $382 per year, but premiums can vary significantly depending on your state.

In addition to location, your motorcycle rates depends on your coverage, driving history and gender. While motorcycle insurance rates tend to be high for 18-year-old riders, you can save money by comparing quotes, qualifying for certain discounts and joining a parent's policy.

How much does motorcycle insurance for 18-year-olds cost?

The average cost of motorcycle insurance for 18-year-olds is $1,052 per year, or $88 per month.

While companies use age to determine motorcycle insurance rates, there are other factors responsible for the typical cost of motorcycle insurance, including where you live. Rates can vary by more than $900 per year among several major American cities.

Average cost of motorcycle insurance for 18-year-olds by city

Your gender can slightly influence the price of motorcycle insurance, too. Typically, insurers quote both genders the same or nearly the same figure. We found that the average price for motorcycle insurance for an 18-year-old man is $1,046 per year, only about $25 cheaper per year than coverage for an 18-year-old woman.

Most companies quote similar motorcycle insurance rates for men and women, with a difference of only 2%. The widest gap between genders comes from Dairyland, with a difference of $71 between 18-year-old men vs women.

Insurer
18-year-old man
18-year-old woman
Percentage difference for men
Geico$384$3791%
Progressive$1,172$1,1720%
Allstate$944$9440%
Nationwide$1,710$1,768-3%
Dairyland$1,021$1,092-6%

Cheapest motorcycle insurance companies for 18-year-olds

Geico has the cheapest motorcycle insurance quotes for 18-year-olds, at $382 per year.

According to our quote data for 18-year-old motorcycle riders, the difference between the lowest and highest rates is $1,326 per year for men and $1,389 per year for women.

Average costs of motorcycle insurance for 18-year-olds by company

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Many large motorcycle insurance companies make it easy to compare quotes directly through their websites. Often, with companies such as Progressive, Geico and Nationwide, you can request a quote and purchase motorcycle insurance online in under five minutes.

Why is the average cost of motorcycle insurance for 18-year-olds so high?

Statistically, younger drivers are more likely to be involved in accidents. Insurance companies interpret this data to mean that 18-year-olds are among their riskiest customers — and higher risk means a higher cost of insurance.

Because young drivers are most likely to get into accidents, insurers raise the cost of your insurance until you gain more driving experience.

Insurance companies giving high rates to young drivers isn't exclusive to motorcycle insurance — it can be difficult to find cheap auto insurance for young drivers, too. However, as drivers age, they are more likely to receive lower rates, as long as they maintain a clean driving record.

How to save on motorcycle insurance as an 18-year-old

While motorcycle insurance is generally expensive for 18-year-olds, there are a few methods you can use to save money on motorcycle insurance. Some of the simplest ways to reduce your motorcycle insurance price are to compare rates, take advantage of discounts and purchase the policy through your parents.

Ask for discounts

It's common for motorcycle insurance companies to offer discounts to more-experienced riders or to policyholders renewing their coverage, making these discounts impossible to get for 18-year-olds. However, there are many discounts that are easy for even young riders to qualify for, including:

  • Request a quote a couple days before your policy's start date
  • Sign up for automatic payments
  • Complete a driving safety course
  • Get a valid motorcycle endorsement on your license
  • Have a bike with anti-lock brakes or an anti-theft device
  • Be part of some school-affiliated honors organizations

Combine coverage through your parents

If your parents have an existing auto insurance policy, consider asking them to purchase motorcycle insurance coverage with their current insurer. Joining a parent's policy is cheaper for 18-year-old drivers compared to the price of getting your own stand-alone policy, especially if your parents can qualify for an insurance bundle discount.

How much is moped insurance and scooter insurance for 18-year-olds?

Insurance companies almost always cover mopeds and scooters under a motorcycle insurance policy. If you're an 18-year-old looking for moped or scooter insurance, your best bet is to get coverage through a company that sells motorcycle insurance.

Methodology

We calculated our motorcycle insurance rates for 18-year-olds using addresses in New York City, Los Angeles and Chicago by getting online quotes from top motorcycle companies:

  • Progressive
  • Geico
  • Dairyland
  • Allstate
  • Nationwide

To keep things consistent across quotes, we got rates for a 2022 Honda Rebel for both male and female 18-year-old riders. We insured this bike for:

  • Bodily injury liability: $100,000 per person / $300,000 per accident
  • Uninsured/underinsured motorist coverage (UIM): $100,000 per person / $300,000 per accident
  • Property damage liability: $50,000 per incident

We typically recommend getting more insurance than the state's minimums to protect yourself and your assets. Although it can be a good idea to carry comprehensive or collision protection in addition to basic protection, adding this protection for an 18-year-old driver causes rates to increase dramatically.

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