Average Motorcycle Insurance Price for a 16-Year-Old

Average Motorcycle Insurance Price for a 16-Year-Old

The average cost of motorcycle insurance for 16-year-olds is $103 per month, or $1,232 per year.

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Nationwide offers the cheapest bike insurance quote for young drivers at $85 per month.

In addition to your age, insurance companies base motorcycle rates on your driving history, location and the make and model of your motorcycle. Some major insurers don't offer individual coverage to 16-year-old riders, so you may want to consider sharing a policy with your parents.

How much is motorcycle insurance for a 16-year-old?

On average, motorcycle insurance for 16-year-old riders costs $1,232 per year, or around $103 per month.

Along with your age, your location can strongly influence the amount you pay for motorcycle insurance. Motorcycle insurance for 16-year-old riders in New York costs $722 per year, on average, while those living in California pay $1,786 per year — an annual difference of more than $1,000.

A bar graph showing the average cost of motorcycle insurance for 16-year-olds by state

Where you live plays a large role in determining the cost of your insurance because companies consider factors like the number of accidents and vehicle theft statistics in your area.

State
Average monthly rate
New York$60
Pennsylvania$65
Georgia$95
Texas$121
California$149

How to find the best motorcycle insurance rates for 16-year-olds

The difference in price between insurers can be stark for 16-year-old bikers. A policy costs $1,020 per year on average from Nationwide, the cheapest company, while Allstate charges $1,561 per year for 16-year-olds — that's a difference of $541 per year.

Graph showing the average cost of motorcycle insurance for 16-year-olds by company

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Riders who are 16 years old should also compare quotes from Progressive — at $1,116 per year, a policy is 9% cheaper than average.

Company
Average monthly rate
Nationwide logo
Nationwide$85
Progressive logo
Progressive$93
Average$103
Allstate logo
Allstate$130

Two of the nation's largest motorcycle insurance companies — Geico and Dairyland — don't offer individual policies to 16-year-olds. That means you can only get coverage as an addition to a parent's policy, and teenagers whose parents don't have car insurance or who can't stay on an adult's policy might have to settle for more expensive motorcycle insurance.

This makes it even more important for 16-year-old riders to look for discounts when comparing motorcycle insurance quotes.

Many companies will offer you a discount for:

  • Completing a safety course
  • Requesting a quote before your policy's start date
  • Signing up for automatic payments or paperless billing
  • Carrying a valid motorcycle endorsement on your license
  • Owning a bike with anti-lock brakes or theft deterrents
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Why is the average price of motorcycle insurance for 16-year-olds so expensive?

Generally, the cost of motorcycle insurance for young riders is more expensive than the typical rates for older riders. This is because insurers view inexperienced motorcycle riders as more likely to engage in risky behavior.

Age
Average monthly rate
16$103
18$79
20$62
21$53

It can be equally difficult for young drivers to find inexpensive car insurance. Compared to older drivers, 16-year-old drivers can pay thousands of dollars more per year for coverage. Fortunately, as with motorcycle riders, your insurance rates will likely decrease as you get older, as long as you don't get a ticket or cause an accident.


Scooter insurance for 16-year-olds

Most companies don't offer stand-alone scooter insurance. Instead, insurers include scooters or mopeds under a normal motorcycle insurance policy. If you are a 16-year-old looking for insurance for a scooter or moped, you can get scooter insurance quotes the same way you'd shop for motorcycle insurance.


Frequently asked questions

What is the cheapest motorcycle insurance for a 16-year-old?

Nationwide offers the cheapest motorcycle insurance quotes for 16-year-old riders. A policy costs $85 per month, or $1,020 per year, on average.

How much is motorcycle insurance for a 16-year-old?

The average cost of motorcycle insurance for a 16-year-old is $103 per month, or $1,232 per year. That's nearly double the cost of insurance for a 21-year-old rider.

Can a 16-year-old get a motorcycle license?

Yes, a 16-year-old can get a motorcycle license. However, it's important to check your state's requirements — in many states, a 16-year-old rider has to have a learner's permit for three to six months and take a safety course before they can get a motorcycle license.

Methodology

To find the cost of motorcycle insurance for 16-year-olds, we collected quotes from Allstate, Nationwide and Progressive in 5 states for a rider with a 2020 Harley-Davidson Street 500.

Rates are based on the following coverage limits or the minimum requirements in each state, whichever is higher:

Coverage
Limit
Bodily injury liability$25,000 per person/$50,000 per incident
Property damage liability$25,000 per incident
Comprehensive and collision$500 deductible

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