How much is Motorcycle Insurance for an 18-year-old

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.

Motorcycle insurance for 18-year-olds by state

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 -

States only allowing multiple-policy stacking:

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.