How Much Does Motorcycle Insurance Cost for an 18-Year-Old?

Find the Cheapest Motorcycle Insurance Quotes in Your Area

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Motorcycle insurance for 18-year-olds is expensive—in fact, you can expect to pay $416 per year, based on our sample. However, that price will depend on many factors, including your gender, location and driving history. In fact, we found that motorcycle insurance rates for 18-year-olds in different states can vary by more than $490 per year. While motorcycle insurance rates are typically high for young drivers, you can save money by comparing quotes, qualifying for certain discounts and by getting your parents to purchase the policy.

How Much Does Motorcycle Insurance for 18-Year-Olds Cost?

The average price of motorcycle insurance for 18-year-olds is $416 per year, according to our sample. That equals an average monthly motorcycle insurance cost of approximately $35. While age is a factor that companies use when determining your motorcycle insurance rates, there are other factors at play, such as where you live, your driving record and your gender. In fact, we found that the average motorcycle insurance rate for an 18-year-old man was $435 per year, which is $38 greater than the average motorcycle insurance cost for an 18-year-old woman.

Though a lot of the factors impacting the cost of motorcycle insurance are out of your control, you are free to choose your motorcycle insurance company. The cost of motorcycle insurance coverage can vary significantly with each company, which is why it's important to compare rates from multiples insurers.

Based on our sample, we found the difference between the best motorcycle insurance quote and the worst one to be $250 per year for an 18-year-old male. For an 18-year-old woman, we found the difference to be $209 per year. The table below outlines annual motorcycle insurance rates for 18-year-olds of both genders across some of the best motorcycle insurance companies.

Motorcycle RiderGEICOProgressiveDairylandAverage
18-Year-Old Male$443$306$556$435
18-Year-Old Female$399$291$500$397

Beyond age, a number of other factors impact motorcycle insurance rates, such as your location. To highlight this, below we provide two sample quotes offered by the same company for the same 18-year-old driver in two different states. Despite getting insurance quotes for the same motorcycle and driver, rates vary by $493, showing just how much of an impact your location can have on your motorcycle insurance rates.

State of DriverGEICO's Annual Premium for Motorcycle Insurance
California$851
Florida$358
Difference$493

Why Are Motorcycle Insurance Costs for 18-Year-Olds so High?

Younger drivers are more likely to be involved in accidents, so 18-year-olds pose a greater risk to motorcycle insurance companies than middle-aged drivers. Insurance companies reflect this greater risk by offering higher-priced motorcycle insurance quotes to young drivers.

Insurance companies pegging high rates to young drivers isn't exclusive to motorcycle insurance—it's a practice throughout the auto insurance industry. Keep in mind that as drivers age, they will become more experienced and therefore are likely to receive more favorable rates—as long as they don't incur moving violations.

How to Save on Motorcycle Insurance as an 18-Year-OId

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

Comparing Rates

One of the most effective ways to save money on motorcycle insurance, even as an 18-year-old, is to compare rates before committing to a company. The typical motorcycle insurance policy is valid for one year, making it even more critical to compare rates before committing. As highlighted above, there are large price differences in insurance rates even among some of the best motorcycle insurance companies.

If you're having trouble finding cheap motorcycle insurance, consider contacting an independent agent. An independent agent may be able to sell you coverage from a regional insurance company or one that specializes in high-risk motorcycle insurance in your area. Furthermore, independent agents make it easy to compare quotes since they're able to sell policies from multiple insurance companies.

Utilizing Discounts

Most motorcycle insurance discounts are difficult to get for 18-year-olds. For example, insurance companies typically offer loyalty and homeowner discounts, both of which are unattainable for most 18-year-olds. The motorcycle insurance discounts that offer tremendous value to 18-year-olds are those for completing a motorcycle safety course. GEICO offers a 10% discount on your annual motorcycle insurance policy after you complete such a course. Depending on how much you pay for motorcycle insurance, this discount offers great savings, especially in the long run. The discount isn't limited to GEICO, as most motorcycle insurance companies offer a similar discount, including Progressive and Markel.

Anti-lock and anti-theft discounts also offer great opportunities for young drivers to save money. For the former, you typically just need anti-lock brakes equipped on your motorcycle. The latter requires adding a device to your bike, like an electric alarm or a tracking system to deter theft. Ultimately, these discounts are great because a driver's age isn't a limiting factor.

Getting Your Parents to Purchase Coverage, if Possible

If your parents have an existing auto insurance policy, consider getting them to purchase motorcycle insurance coverage with their current insurer. Doing this is cost-effective for 18-year-old drivers when compared to a stand-alone policy. This is because your parents' insurance rates are likely lower than yours, and they'll get the benefit of a bundle discount. There are two main drawbacks to this strategy: It requires your parents to have a good driving record, and your parents must agree to add you to their policy.

What About Moped Insurance and Scooter Insurance for 18-Year-Olds?

Almost all insurance companies cover mopeds and scooters under their motorcycle insurance policies. While there are insurance policies for mopeds and scooters specifically, they are quite uncommon. Therefore, if you're an 18-year-old looking for moped or scooter insurance, your best bet is to search for coverage from a motorcycle insurance company.

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