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Key Takeaways
- The annual cost of 18-year-old motorbike insurance is $945.
- Motorcycle insurance costs are generally high for 18-year-olds since they are on the higher end of crashes,
- To lower insurance costs for 18-year-old motorbike riders, compare quotes, choose the right bike based on age and engine strength.
Cheapest motorcycle insurance companies for 18-year-olds
18-year-old motorbike insurance costs $945 annually, influenced by location, coverage, driving record, and gender. Savings can be achieved through multiple quotes, discounts, and parent coverage.
| Company | Liability-Only | Full Coverage |
|---|---|---|
| Dairyland | $328 | $598 |
| Markel | $378 | $1,797 |
| Nationwide | $417 | $1,883 |
| Progressive | $263 | $741 |
Motorcycle insurance for 18-year-olds by state
| State | Full coverage (40-Year-Old) | Full coverage (18-Year-Old) | Increase vs. 40-Year-Old | % Increase vs. 40-Year-Old |
|---|---|---|---|---|
| Alabama | $273 | $573 | $300 | 110% |
| Alaska | $200 | $373 | $174 | 87% |
| Arizona | $380 | $862 | $482 | 127% |
| Arkansas | $411 | $740 | $329 | 80% |
| California | $380 | $901 | $521 | 137% |
| Colorado | $321 | $710 | $389 | 121% |
| Connecticut | $349 | $699 | $349 | 100% |
| Delaware | $466 | $1,096 | $630 | 135% |
| Florida | $297 | $573 | $276 | 93% |
| Georgia | $399 | $957 | $558 | 140% |
Why Is Motorcycle Insurance Expensive for an 18-Year-Old?
Younger riders are statistically more likely to be in crashes. Insurance companies see this information as showing that 18-year-olds are some of their most dangerous customers. And as you know, more risk means more money for insurance.
States That Allow Insurance Stacking
States allowing both single-policy and multiple-policy stacking -
| Alabama | Arkansas |
| Colorado | Florida (must opt-in when purchasing) |
| Hawaii (must opt-in when purchasing) | Indiana |
| Kentucky | Mississippi |
| Missouri | Montana |
| Nevada | New Hampshire (must opt-in when purchasing) |
| New Mexico | Ohio |
| Pennsylvania (must opt-in when purchasing) | Rhode Island |
| South Carolina | Vermont |
| Virginia | West Virginia |
| Wisconsin | Wyoming |
States only allowing multiple-policy stacking:
| Delaware | Georgia |
| New Jersey | New York |
| North Carolina | Oklahoma |
| Oregon | Tennessee |
| Texas | Utah |
How can 18-Year-Olds save money on motorcycle Insurance?
To lower insurance costs for 18-year-old motorbike riders, consider the following tips:
- Compare quotes from multiple insurance companies to find the best deal.
- Choose the right bike based on its age and engine strength.
- Sign up for your parents' health insurance to save on rates.
- Consider a liability-only policy if you've already paid off your bike.
- Take advantage of discounts, such as motorcycle safety courses, riding group discounts, full payment discounts, anti-theft discounts, and paperless bill savings.
- Consider buying seasonal insurance, if necessary, as some companies allow "lay-up" or "sunny day" exceptions for riders during cold winter.
By following these tips, you can potentially save money on your motorbike insurance costs.
Motorcycle Insurance coverage to consider for 18-year-old
Insurance for bikes typically only covers liability and doesn't cover the bike itself. All riders need to have enough coverage to cover all repairs.
- Collision coverage ensures bike safety in accidents, while uninsured or underinsured drivers can be protected.
- 15% of US drivers lack insurance coverage, affecting coverage for damage caused by another driver. Uninsured/Under-insured motorist coverage protects against smaller minimum requirements or worse injuries.
- Comprehensive coverage covers harm from fire, wind, water, theft, and vandalism, among other things.
- Custom bike accessories policies offer coverage for accessories like saddlebags, backrests, seats, and metal parts.
- Custom parts coverage covers unique items like tanks and pipes. Custom parts and equipment (CPE) can be a mix of these types of coverage.
Frequently Asked Questions
How much is motorcycle insurance for an 18-year-old?
An 18-year-old's motorcycle insurance costs $79. a month on average. At $811 a year, Dairyland has the lowest price.
How much is motorcycle insurance for an 18-year-old male?
The average cost of motorcycle insurance for a guy aged 18 is $939 per year, which is only $13 less than the cost for a woman aged 18. Your gender can also have a small effect on how much your motorcycle insurance costs.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
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