Average Motorcycle Insurance Price for a 16-Year-Old

Average Motorcycle Insurance Price for a 16-Year-Old

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The average cost of motorcycle insurance for 16-year-olds is $877 per year, and Nationwide offers the cheapest bike insurance quotes at $530 per year. In addition to your age, insurance companies base motorcycle rates on your driving history, location and the make and model of your motorcycle. 16-year-olds can save money on motorcycle insurance by comparing multiple quotes, though some companies don't offer coverage to 16-year-old riders.

How much is motorcycle insurance for 16-year-olds?

On average, motorcycle insurance for 16-year-old riders costs $877 per year, or around $73 per month.

Along with your age, your location can strongly influence the cost you're charged for motorcycle insurance. Annual rates can vary by as much as $610.

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

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

The difference between providers can be stark. Motorcycle insurance for 16-year-olds costs $530 on average from Nationwide, the cheapest company, while Progressive charges $1,074 per year for 16-year-olds — that's a difference of $544 per year.

Average cost of motorcycle insurance for 16-year-olds by company
Average cost of motorcycle insurance for 16-year-olds by company

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However, it's not always easy to get the best rates as a 16-year-old rider. When comparing motorcycle insurance quotes, a few of the nation's largest motorcycle insurance companies don't offer individual policies to 16-year-olds. At Geico and Dairyland, 16-year-olds can only get coverage as additions to a parent's policy.

This means 16-year-old riders who are looking for their own policies have fewer choices for cheap motorcycle insurance among nationally recognized brands. 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.

Motorcycle insurance companies also offer discounts to help almost anyone qualify for cheaper quotes, such as:

  • Complete a safety course
  • Request a quote before your policy's start date
  • Sign up for automatic payments or paperless billing
  • Carry a valid motorcycle endorsement on your license
  • Own a bike with anti-lock brakes or theft deterrents

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 premiums most people see. This is because insurers view more inexperienced motorcycle riders as more likely to engage in risky behavior.

A bar graph showing the average costs of motorcycle insurance as you age
A bar graph showing the average costs of motorcycle insurance as you age

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 long as you don't get tickets or get into accidents.

Scooter insurance for 16-year-olds

Stand-alone scooter insurance is rarely offered. Instead, companies include scooters or mopeds under a normal motorcycle insurance policy. For 16-year-olds looking for insurance for a scooter or moped, you can get scooter insurance quotes the same way you'd shop for motorcycle insurance.

Methodology

To find the cost of motorcycle insurance for 16-year-olds, we collected quotes from Allstate, Nationwide and Progressive in New York, Los Angeles and Chicago for a rider with a used 2016 Honda Rebel. Then, we calculated the average rate overall and by city.

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • All other coverages: Not included

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