What Is the Average Motorcycle Insurance Price for a 16-Year-Old?

What Is the Average Motorcycle Insurance Price for a 16-Year-Old?

Find Cheap Motorcycle Insurance Quotes in Your Area

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The price of motorcycle insurance for 16-year-olds is often more expensive than it is for older drivers. After collecting quotes from across the country, we found that the average cost of motorcycle insurance for 16-year-olds is $877 per year.

Your location plays a large part in determining your rates, but insurers also look at your driving history and the make and model of your motorcycle. You can commonly save money on your policy by comparing quotes offered by different companies — though some 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. We obtained quotes from multiple providers in three of the country's largest cities to illustrate how the cost of coverage changes. Despite collecting rates for the same limits, bike and rider, we still saw annual rates vary by as much as $610.

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

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

If you receive quotes that are too expensive, we recommend you compare the price of motorcycle insurance from more than one provider.

The difference between providers can be stark. Motorcycle insurance for 16-year-olds can cost as much as $1,074 per year from Progressive, while Nationwide charges only about $530 on average — that's a difference of $544 per year. However, it's not always easy to get the best price as a 16-year-old rider.

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

While collecting quotes, we discovered that a few of the nation's largest motorcycle insurance providers don't offer individual coverage 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 attach themselves to an adult's policy might have to settle for more expensive motorcycle insurance.

If you have no other options, you can usually reduce your premiums with discounts, which are offered by most motorcycle insurance providers. While most of the savings opportunities offered by insurers are experience-based, some are easy for anyone to qualify for:

  • 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.

Compare Motorcycle Insurance Quotes from Providers Near You

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Why is the average price of motorcycle insurance for 16-year-olds high?

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 accumulate moving violations or get into accidents.

How much is 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 coverage, one of the best ways to get scooter insurance is by inquiring with a conventional provider.

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. Then, we calculated the average rate overall and by city.

Our sample driver had a used 2016 Honda Rebel. The rates reflect the following coverage limits:

  • 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
Andrew Hurst

Andrew Hurst is a Data Writer at ValuePenguin who writes about insurance. His analysis has been featured in Forbes, MSN and USA News, among others. He's also appeared in interviews broadcast by ABC and the CW. He previously taught composition and research at Wright State University.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.