HomeAutomotive LawWhat is Motorcycle Insurance Cost for an 18-Year-Old?

What is Motorcycle Insurance Cost for an 18-Year-Old?

Getting your bike license feels amazing. Now, you can enjoy the freedom to go on long rides, travel whenever you want without stressing about transit schedules and expenses, and make your plans. Bikes are affordable, enjoyable, and give you a sense of liberation. It is important to remember that while bikes are cheap to run and require little maintenance, some costs are beyond these factors. One such type of cost is Motorcycle Insurance.

Having insurance means that you’re covered in case of unexpected events or accidents while you’re out enjoying your rides. While it might add a bit to your expenses, having insurance provides peace of mind and financial protection. It’s a responsible way to ensure that you can continue enjoying the freedom and fun of riding without worrying too much about potential risks. Plus, as you gain more experience on the road, insurance can become even more valuable. So, make sure to explore insurance options to ride with confidence.

If you or someone close to you is 18 years old and wants to ride a motorcycle, it is important to ensure that the teen’s bike is properly insured. It can be a daunting yet important task for any teen motorcycle rider to understand the concept of motorcycle insurance. Similar to car insurance, it is a legal requirement in most states of the US to have your motorcycle insured. Riding an uninsured motorcycle can get you in a lot of trouble, both financially and legally. Hence, it is important to understand the complex world of motorcycle insurance so that you can make informed decisions, choose the right coverage for your needs, and ride with confidence that you’re protected on the road.

Understanding the basics of Motorcycle Insurance

Motorcycle Insurance is regarded as a “financial responsibility” while riding on public roads. It covers damage to your vehicle and other property and resulting injuries. It shares many terms with car insurance, and in a lot of ways, both are similar. The claims process is also similar to car insurance. You file a claim by notifying your insurer once your motorcycle is damaged or stolen. The insurance company will analyze the incident and accordingly decide on the payout amount.

Each state has its own rules and regulations related to motorcycle insurance. All of them have the minimum liability coverage you need to stay legal while riding a motorcycle. It is important to note that this coverage is enough to fulfill legal requirements, but it will not provide complete coverage in all scenarios. In such scenarios, the insurance will not cover your expenses or damages, and you will be required to pay hefty sums out of your pocket.

Types of Motorcycle Insurance

Let’s look at what kind of coverage options are available and how much coverage you require.

  • State minimum policy: This is the minimum coverage you need to stay legal while driving a motorcycle. You need $25000 for bodily injury or death of one person in any one accident, $50000 for bodily injury or death of any two persons in any one accident, and $10000 for injury to or destruction of property of others in any one accident. The amounts mentioned can vary from state to state.
  • Bodily Injury Liability Coverage: This is coverage for the damage you do to another person in a wreck. Liability coverage comes into play to fulfill your legal obligation to the other party involved. The bodily injury claim refers to coverage for that person’s medical bills and lost wages. The liability coverage also pays for a lawyer who will defend you in case you get sued.
  • Property Damage Liability Coverage: As the name suggests, it is coverage for the damage you are responsible for to another person’s vehicle or its contents. It also kicks in case the other party has a rental car for the “loss of use” claim.
  • Uninsured or Underinsured Motorist Bodily Injury Coverage: This coverage is very important to understand, and it can greatly benefit you. It kicks in when someone is responsible for an accident and they don’t have any insurance or enough insurance. This coverage will pay for what the other person should have paid, up to the limits of your coverage.
  • Uninsured or Underinsured Motorist Property Damage Coverage: This coverage is for any damage caused by an uninsured or underinsured driver to your vehicle and its contents.
  • Personal Injury Protection (PIP) Coverage: This coverage will pay for medical bills, funeral and burial bills, income continuation, and any loss of services incurred because of such an event. This is a no-fault type of coverage, which means it does not matter what caused you to get hurt. It can be your fault, the other party’s fault, or no one’s fault. This coverage will greatly help you if you either don’t have medical insurance or if it does not pay for the required type of treatment. It is relatively cheap, and sometimes it is the only coverage that pays.
  • Collision Coverage: This coverage is also no-fault, and it covers damage from any collision, regardless of the reason. However, there are a few things to understand before asking what it covers. Firstly, there is a difference between a wreck where your bike is totaled and a wreck where your bike is repairable. The term “totaled” means that the cost of repairing your bike is more than its actual value.
  • Comprehensive Coverage: This coverage takes care of accidental damage to your motorcycle caused by losses such as fires, thefts, etc.—all those other than collisions. 
  • Towing and Storage Coverage: This coverage policy kicks in when your motorcycle is not in a condition to be operated. In such a situation, you will need someone to take it somewhere. If you store it somewhere, then those charges will also be covered under this policy.

What is the Average Cost of Motorcycle Insurance?

The average cost of Motorcycle Insurance is $519 in the US. But it can fluctuate around $400-$500 depending on different factors. In some cases, motorcycle riders may pay over $1000 annually due to various additional coverage options included in their insurance plan. Someone will be paying around $100 annually for having only a state minimum policy.

Factors Influencing the Cost of Motorcycle Insurance

The age of the driver, the brand and model of the vehicle, the state in which they live, and their driving record all affect the price of motorbike insurance. Insurance companies offering to insure motorcycles check these various factors to calculate the risk level of the driver and then offer insurance quotes. The thought process behind each factor is explained below:

Driver’s Age and Gender

Similar to car insurance, age, and driving experience heavily impact the cost. An 18-year-old will receive a higher quote when compared to a 30-year-old with a clean driving record for the same plan. Some statistics show that female bikers tend to get cheaper plans compared to their male counterparts of the same age.


Motorcycle type, model, and base price highly affect the ultimate cost of the insurance quote. Expensive motorcycles have expensive insurance plans because they cost more to repair or replace. Similarly, if you have a sports bike, it will cost more to insure it because sports bikes are more likely to be involved in accidents. Finally, bikes with additional safety and anti-theft features will be cheaper to insure.


Some states have more expensive motorcycle insurance premiums than others. This is affected by the rules and regulations of the states. Another point here is the winter seasons in different states. In the US, motorcycle riding is seasonal, which leads to expensive plans in states with milder winter seasons and cheaper plans in states with harsher winter seasons.

Driving Record

People with clean driving records will receive cheaper quotations. On the other hand, people with poor records can expect higher rates for the same plans. Some insurers might refuse to insure their vehicle in some extreme cases. Insurers can determine by judging how much of a risk you are while driving.

Driving Record

Why is Motorcycle Insurance so Expensive for an 18-Year-Old?

Insurance companies look at your past driving experiences to decide how much to charge you and assess the level of risk you might pose. Because 18-year-old riders haven’t been riding for long, they often end up paying higher insurance rates. Young drivers are also more prone to getting into accidents, as they might not fully grasp the risks and may not recognize dangerous situations, and adults do.

Riding a motorcycle requires unique skills and awareness than driving a car, especially for young and new riders. When you’re 18 and just got your license, you might not have much experience with various road conditions, tricky weather, and busy traffic situations. Because of this, insurance companies see you as having a higher risk of accidents. New riders might find it challenging to predict and respond well to potential dangers on the road.

Best Practices for Saving Money on Motorcycle Insurance

Being 18 and riding a motorcycle can make insurance expensive. Luckily, there are things you can do to make the cost lower.

Clean Driving Record

At 18 years old, someone may not have much driving experience, but over the next few years of driving, their driving record will start to paint a full picture. So, it’s important to drive carefully and adopt safe riding practices. While you may start with expensive insurance due to your age, you can make it cheaper over the next few years by demonstrating that you are not a risk while riding a motorcycle.

Bike Type

Sportier bikes often fascinate young people who are getting into bike riding. While they may enjoy the thrill of riding fast bikes, insurance companies can see it as an increased risk. As a result, they may charge you higher premiums. So, it is advisable to begin your bike riding journey with safer bikes, demonstrate your safe riding skills, and ultimately secure more affordable insurance plans.

Comparing Rates

To make your insurance cheaper, always check prices from different companies before buying motorcycle insurance. Some companies advertise a lot, and that makes their insurance more expensive. But just because they advertise more doesn’t mean they’re better than smaller companies. If a company has been around for a long time and has a good reputation, it’s usually a good choice.

Joining Parent’s Insurance Policy

If you’re 18 and ride a motorcycle, one good thing is you could join your parents’ car insurance. Your parents likely get discounts because they bundle home and auto insurance and have more than one vehicle, making their insurance costs lower. Check if their insurance plans have this option.


It can be annoying to pay extra for insurance just because you’re 18. But if you shop smart and make careful choices, you can reduce how much you have to pay. Like when you buy something important, it’s crucial to look into it carefully and choose wisely.

Frequently Asked Questions

What happens if you don’t have Motorcycle Insurance?

If you ride your motorcycle without insurance and get caught, you might lose your license and registration. You could also get fined or even go to jail, depending on the rules in your state. The consequences of not having motorcycle insurance are usually similar to those of not having car insurance.

Why is the cost of Motorcycle Insurance cheaper for experienced riders?

The cost of motorcycle insurance is often cheaper for experienced riders because insurance companies consider experienced riders to be less risky. Riders who have more experience on the road are generally seen as safer and less likely to be involved in accidents.

Are Sports Motorcycles expensive to insure?

Yes, sports motorcycles are often more expensive to insure compared to other types of motorcycles because of their increased performance, risk of accidents, and valuable targets for theft.

Legal Geekz
Legal Geekz
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