How Much Is Motorcycle Insurance For An 18-Year-Old?

For motorcyclists under the age of 18, motorbike insurance is more expensive than it is for older riders. Happily, there are several actions that young riders may do to ensure reasonable prices and thorough coverage, including learning about their alternatives and the variables that determine premiums. The top motorbike insurance plans for 18-year-olds have been assembled by MoneyGeek to make it easier for you to compare options and choose the one that’s ideal for you.

An 18-year-motorcycle old’s insurance typically costs $945 annually. Geico offers the lowest motorbike insurance for drivers under the age of 18 at $811 a year, although state-by-state costs might differ dramatically.

Your motorbike insurance premiums also rely on your coverage, driving record, and gender in addition to your region. Even though 18-year-old motorcyclists typically pay higher motorcycle insurance rates, you can still save money by comparing quotes, being eligible for particular discounts, and signing up for your parent’s policy.

How much does 18-year-old motorcycle insurance cost?

An 18-year-insurance old’s typically cost roughly $400 a year. In general, female passengers pay $400 while male passengers pay roughly $440, according to GEICO.

A Teen Showing License

Males pay approximately $305 for insurance through Progressive, while females pay $290, which is a little less expensive than many of its competitors. The main cause of the pricing disparity is the ability of American insurance firms to account for gender when estimating risk. Men and women both pay the same fee because this is illegal in various regions of the world.

What Does Motorcycle Insurance Cost?

In the United States, the average price for a liability-only motorbike insurance policy ranges from $175 in North Dakota to $400 in Michigan.

The cost of each motorcyclist’s insurance is influenced by a number of variables, such as their driving record and place of residence. In general, a rider who has been on the road for at least three years will earn less than someone who is still learning.

Although there are many variables that affect an insurance quote, the rider’s age is one of the most important ones for motorcycle coverage.

It can be pricey to purchase a policy if you or a loved one is 18 years old and wants to ride a motorcycle yet needs insurance. In the US, a motorcycle insurance policy costs $519 on average. There are a number of variables involved, though. Depending on the state you live in, your gender, your driving history, and the insurer, this might vary by as much as $400 to $500.

It doesn’t typically take long to research insurance coverage, and you can quickly get an idea of what you might anticipate paying in your state by using online estimators and calculators.

Remember that age does affect your cost; if you’re 18 years old and have a spotless driving record, you’ll pay extra. You’ll be off to a smart start if you compare prices and, if it’s possible, purchase a bike with a lower insurance cost.


The cost of motorbike insurance is affected by your gender. For instance, a male 18-year-old may spend $443 for insurance with Geico, whereas a female 18-year-old may only pay $339 with the same carrier.

This is a result of crash and collision statistics. However, some organizations, like Geico, provide motorcyclists who successfully complete a motorcycle safety course a discount.

This can reduce the annual cost of your insurance by up to 10%. Make sure to ask the agents about any possible discounts and how to apply for them.


One of the most important determining factors for the cost of your motorbike insurance coverage can be the state in which you reside. For instance, an 18-year-old could pay $358 in Florida while $851 in California. For the same rider at a different place, that is a $493 difference.

Unfortunately, certain areas of the country are simply more expensive to live in than others.

It can give you peace of mind to know that you’re not the only one in your neighborhood paying a lot for insurance, even though you probably won’t relocate simply because of the expense.

Checking out lesser-known insurance firms through a registered agent is especially important if you reside in a pricey area like California or New York. In states like California, firms like Geico and Markel are some of the most reasonably priced options.

On the lower end of the price spectrum, North Dakota, Iowa, and Oklahoma are among the states with the cheapest motorcycle insurance. On average, North Dakota is roughly $283, and Iowa is around $323.

Type of Bike

Additionally, a lot will depend on what you plan to ride. A new Harley-Davidson will cost more to insure than a used motorcycle, thus that person will pay more. Similar to this, a rider of a single-seat motorcycle could have to pay less for liability insurance than a rider of a three-wheel motorcycle with a sidecar. The worth of your bike, its safety features, the crash rate for that particular model, and its theft rate are a few things insurance companies take into account when figuring out your insurance quote.

According to your insurance, a trial bike can fall under the sport bike or dirt bike category.

This can also reduce the cost because most dirt motorcycles and sports bikes are utilized on trails or racing courses in nature rather than on the road alongside other vehicles. In the US, a dirt bike insurance policy typically costs $99 a year. Although it will normally increase for an 18-year-old, the cost may still be less than conventional motorcycle insurance coverage.

The rates of accidents and theft will also have a major impact on your cost. Because insurance providers believe you are more likely to file a claim when operating one of these motorcycles, bikes with greater crash or theft rates will have higher annual insurance costs.

Checking the collision and theft rates of various motorbike models is important if you haven’t yet bought your motorcycle. The price of your bike will have a significant impact on the cost of insurance, much like a car. While the cost of insurance for a Yamaha V Star can be as little as $400 per year, it can cost up to $3,200 per year for a SuperSport Ducati.

Insurance Company

The motorbike insurance provider you choose will have a significant impact on your pricing. In New York, for instance, drivers would spend $345 for Geico, $367 for Nationwide, $704 for Progressive, and a whopping $861 for Markel.

Biker insurance in Hawaii is about $314 with Geico, but it can reach $600 with Progressive. A motorcycle rider in California might spend $511 with Markel but a staggering $1,080 with Dairyland Insurance. Riders might expect to spend about $305 for Geico in Louisiana, one of the most costly states for motorcycle insurance, but almost $1,500 for Progressive. It is obvious that before choosing insurance, every biker should compare rates.

Based on Rider Age, Motorcycle Insurance Rates

If you’re under 25, your insurance premiums will probably be higher than those of an older person.

If you maintain a clean driving record, stay out of traffic tickets, and don’t make any claims, your annual rates will decrease as you reach new birthday milestones.

Your age and location are the two main variables that affect the price of motorbike insurance. You can only continue to live for a while if you don’t change your age. Furthermore, there isn’t much you can do about where you live because, let’s face it, you aren’t going to relocate only to find motorbike insurance that is more affordable.

According to our research, the price of motorbike insurance for an 18-year-old can vary significantly between large cities, from $57.08 in Chicago to $111.58 in Los Angeles. The rate came to $87.50 in New York.

It came out to $685 annually in Chicago, $1,050 in New York, and $1,339 in Los Angeles, to put that into context. Based solely on geography, that represents a yearly variation of $654.

Click here for general information on insurance costs that do not apply specifically to 18-year-olds.

Why are the costs of motorcycle insurance so high?

Thus, why the high cost? There are many variables that will affect this. To help you better understand how your motorbike insurance costs are determined, we’ve included a number of them.

How to Reduce the Cost of Motorcycle Insurance

The objective is to keep your insurance rates as low as possible while preserving the coverage you need when you reside in a high-cost state.

There are certain steps that each age group can take to reduce their rates. Consider putting one or more of these suggestions into practice if you get a price that looks excessively high to see if your estimate decreases.

Under 18 years old With the majority of providers at this age, you can reduce your insurance expenses in two ways. The first choice is to earn good marks, which are those with a GPA of 3.0 or better. Taking a safety course or a defensive driving school with an emphasis on motorcycle use is the second approach to saving money.

aged 19 to 25. In this age range, keeping a spotless driving record is your best bet. To keep prices low, try to accumulate at least three years of riding experience without any claims, accidents, or violations.
ages 26 to 54 Think about buying only the motorcycle insurance you require. If the bike wasn’t financed, then you might simply have liability insurance. If you don’t travel in the winter, you might consider seasonal options.

Over 55 years old. Think about increasing the deductible on your motorcycle insurance. Your rates will normally be lower because you’ll assume more of the financial risk if something unfortunate occurs.

All motorcyclists may choose from certain alternatives. Ask for a price that includes everything if your insurer offers coverage for numerous things, such as other cars or homes. The rates aren’t always better, although the savings range from 5% to 15%.

When a rider completes a recognized course and receives certification, their insurance may be discounted. Your premium may be decreased in part by taking a defensive driving course.

To keep your prices down, you can also restrict the coverage of custom add-ons or accessories. Trip interruption, total loss, and roadside emergency services are a few common exclusions to consider. If your state permits its removal, it can be worthwhile for people who have access to dependable healthcare to forego medical insurance.

Your finances are guarded against unforeseen circumstances through motorcycle insurance. When you take measures to keep prices low and make policy choices that match your riding preferences, you’ll find the right balance between necessity and affordability.


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