Average monthly motorcycle insurance rates for 16-year-olds are around $38 for minimum liability policies and $121 for full coverage. This means minimum coverage rates are 194% over the national average and full coverage premiums are 153% higher than national averages for the coverage type.
How Much Is Motorcycle Insurance For a 16-Year-Old?
Updated: April 20, 2025
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Key Takeaways
Insurance for 16-year-old motorcyclists costs between $17 and $386 per month depending on provider, coverage level, and location.
Geico offers the lowest minimum coverage at $20 monthly while Progressive provides the cheapest full coverage at $90 monthly for 16-year-olds.
Compare multiple quotes, choose beginner-friendly bikes instead of sport models, join a parent's policy, and consider liability-only coverage for paid-off motorcycles to save on your policy.
Average 16-Year-old Motorcycle Insurance Cost
Coverage Type | Average Monthly Premium | Average Annual Premium | % Difference From National Average |
|---|---|---|---|
Minimum Liability Coverage | $38 | $453 | 194% |
Full Coverage | $121 | $1,446 | 153% |
Average 16-Year-Old Motorcycle Insurance Cost By State
Costs for motorcycle insurance differ drastically by state and may not align closely with the national average. For example, rates can vary as low as $241 per year for minimum coverage in Washington state but can reach as $901 in Delaware on average for 16-year-olds. Below, we've summarized average costs by state for the age group.
State | Average Annual Minimum Coverage Rate | Average Monthly Minimum Coverage Rate |
|---|---|---|
Alabama | $242 | $756 |
Alaska | $239 | $506 |
Arizona | $359 | $1,559 |
Arkansas | $241 | $1,286 |
California | $468 | $1,686 |
Colorado | $243 | $1,129 |
Connecticut | $331 | $991 |
Delaware | $952 | $1,515 |
Florida | $311 | $1,598 |
Georgia | $261 | $1,480 |
Hawaii | $340 | $979 |
Idaho | $308 | $815 |
Illinois | $400 | $1,314 |
Indiana | $313 | $1,486 |
Iowa | $241 | $527 |
Kansas | $241 | $836 |
Kentucky | $361 | $1,187 |
Louisiana | $243 | $1,720 |
Maine | $317 | $641 |
Maryland | $443 | $1,174 |
Massachusetts | $237 | $852 |
Michigan | $620 | $2,048 |
Minnesota | $250 | $826 |
Mississippi | $293 | $1,595 |
Missouri | $456 | $1,367 |
Montana | $249 | $453 |
Nebraska | $273 | $849 |
Nevada | $288 | $1,263 |
New Hampshire | $344 | $919 |
New Jersey | $399 | $1,393 |
New Mexico | $260 | $1,071 |
New York | $250 | $886 |
North Carolina | $259 | $1,222 |
North Dakota | $288 | $531 |
Ohio | $339 | $877 |
Oklahoma | $241 | $1,461 |
Oregon | $536 | $1,959 |
Pennsylvania | $250 | $1,245 |
Rhode Island | $570 | $1,386 |
South Carolina | $342 | $1,025 |
South Dakota | $250 | $589 |
Tennessee | $241 | $1,014 |
Texas | $620 | $2,608 |
Utah | $492 | $1,914 |
Vermont | $367 | $763 |
Virginia | $537 | $1,055 |
Washington | $228 | $992 |
Washington D.C. | $550 | $1,932 |
West Virginia | $454 | $969 |
Wisconsin | $267 | $762 |
Wyoming | $245 | $682 |
Cheapest Motorcycle Insurance For 16-Year-Olds
Geico and Progressive are the most affordable motorcycle insurance providers for minimum coverage, offering 16-year-old riders' policies for just $20 monthly ($240 annually). For those in this age group needing full coverage, Progressive delivers the best value with monthly premiums averaging $90 ($1,085 annually).
Provider | Monthly Minimum Coverage Rate | Monthly Full Coverage Rate |
|---|---|---|
Progressive | $20 | $90 |
Geico | $20 | $126 |
Nationwide | $34 | $145 |
Cheapest Motorcycle Insurance For 16-Year-Olds By State
While Geico has the overall cheapest rates for minimum coverage, Progressive is better overall for affordability, ranking 1st in 26 out of 51 states and territories. Below you can review the cheapest providers for your state.
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Geico | $20 |
Alaska | Geico | $20 |
Arizona | Geico | $20 |
Arkansas | Geico | $20 |
California | Geico | $31 |
Colorado | Geico | $20 |
Connecticut | Nationwide | $23 |
Delaware | Progressive | $58 |
Florida | Progressive | $20 |
Georgia | Progressive | $20 |
Hawaii | Progressive | $26 |
Idaho | Progressive | $20 |
Illinois | Nationwide | $21 |
Indiana | Geico | $20 |
Iowa | Geico | $20 |
Kansas | Geico | $20 |
Kentucky | Progressive | $22 |
Louisiana | Geico | $19 |
Maine | Geico | $22 |
Maryland | Progressive | $27 |
Massachusetts | Progressive | $20 |
Michigan | Progressive | $44 |
Minnesota | Progressive | $20 |
Mississippi | Geico | $20 |
Missouri | Progressive | $33 |
Montana | Geico | $20 |
Nebraska | Geico | $20 |
Nevada | Progressive | $20 |
New Hampshire | Geico | $23 |
New Jersey | Progressive | $28 |
New Mexico | Progressive | $20 |
New York | Progressive | $20 |
North Carolina | Nationwide | $17 |
North Dakota | Progressive | $20 |
Ohio | Geico | $20 |
Oklahoma | Progressive | $20 |
Oregon | Progressive | $26 |
Pennsylvania | Geico | $20 |
Rhode Island | Progressive | $20 |
South Carolina | Progressive | $21 |
South Dakota | Progressive | $20 |
Tennessee | Geico | $20 |
Texas | Geico | $21 |
Utah | Progressive | $20 |
Vermont | Progressive | $21 |
Virginia | Progressive | $35 |
Washington | Nationwide | $17 |
Washington D.C. | Progressive | $34 |
West Virginia | Geico | $18 |
Wisconsin | Progressive | $20 |
Wyoming | Nationwide | $19 |
How Can 16-Year-Olds Save Money on Motorcycle Insurance?
Here are a few tips to find the cheapest and best motorcycle insurance for a 16-year-old rider.
- 1
Shop Around and Get Multiple Quotes
Our data suggests a shopper can save up to 90% on motorcycle insurance by comparing quotes from multiple companies.
- 2
Choose a Cruiser or Beginner Bike, Instead of a Sport Bike
One of the key factors insurance companies look at when determining insurance rates is the type of vehicle you own and how safe it is. So choosing a cheaper bike with more safety features can save you more on motorcycle insurance.
- 3
Join Your Parent’s Policy
In most cases, you’ll pay much cheaper rates by adding a 16-year-old rider to a parent’s existing insurance policy.
- 4
If Your Bike Is Paid Off, Consider Liability-Only Insurance
This option can help you save significantly since liability insurance is much less expensive than full coverage. However, keep in mind that you’ll also have to cover your own medical costs, as well as the cost to replace your bike if you’re at fault in an accident.
16-Year-Old Motorcycle Insurance: FAQ
MoneyGeek answered some of the most common questions on 16-year-old motorcycle insurance below:
How much does motorcycle insurance cost on average for a 16-year-old?
On average, the rate for motorcycle insurance for a 16-year-old is $1,446 per year for full coverage. For liability-only coverage, the average rate is $297 per year.
Who has the cheapest motorcycle insurance cost for a 16-year-old?
According to our research, Progressive offers the cheapest overall motorcycle insurance for a 16-year-old, with average annual rates of $1,085 for full coverage and $243 for liability-only coverage.
How does motorcycle insurance work for a 16-year-old?
Not all insurers offer motorcycle insurance for a 16-year-old rider and the providers that do require the teenager to be added to their parent’s existing car insurance policy. However, some companies offer stand-alone policies for a 16-year-old motorcycle rider, although they usually are more expensive.
How We Determined 16-Year-Old Motorcycle Insurance Rates
MoneyGeek calculated the sample rates on this page by gathering quotes for a 2023 Honda CRF450RL rider with a good driving record. Our sample premiums reflect minimum liability limits for each state and the following full coverage limits:
- $100,000 per person for bodily injury coverage
- $300,000 per accident for bodily injury coverage
- $50,000 per accident for property damage coverage
- $1,000 deductible for collision and comprehensive protection
About Karon Warren
Karon Warren is a finance journalist at MoneyGeek and a member of the American Society of Journalists and Authors. She has over two decades of experience covering personal finance, health insurance, home insurance, car insurance, mortgages and banking.
Warren earned her journalism degree from the University of Southern Mississippi. She creates in-depth, well-researched finance content that educates people and helps them make informed financial decisions.