Minimum liability motorcycle coverage costs an average of $425 monthly for minimum coverage and $1,337 for full coverage policies for 17-year-olds.
How Much Is Motorcycle Insurance For a 17-Year-Old?
Updated: April 20, 2025
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Key Takeaways
Motorcycle insurance costs for 17-year-olds range widely from annual rates as low as $207 on average to up to $4,422 per year.
Progressive consistently ranks as the cheapest provider for 17-year-olds across 43 of 51 states, with average rates of just $19 monthly for minimum coverage and $86 monthly for full coverage.
Comparing quotes from multiple providers, joining a parent's policy, choosing a beginner bikes instead of sport models, and opting for liability-only can save you money on motorcycle insurance costs.
Average 17-Year-old Motorcycle Insurance Cost
Coverage Type | Average Monthly Premium | Average Annual Premium | % Difference From National Average |
|---|---|---|---|
Minimum Liability Coverage | $35 | $425 | 176% |
Full Coverage | $111 | $1,337 | 134% |
Average 17-Year-Old Motorcycle Insurance Cost By State
Motorcycle insurance rates for 17-year-old riders vary significantly by location. Washington state offers the cheapest minimum coverage at $214 per year, while Delaware is most expensive at $896 annually. These differences reflect each state's unique regulations, accident rates, and risk factors.
The table below shows minimum coverage costs across states to help teen riders understand how their location affects insurance affordability.
State | Monthly Minimum Coverage Rate | Monthly Full Coverage Rate |
|---|---|---|
Alabama | $8 | $33 |
Alaska | $7 | $19 |
Arizona | $17 | $85 |
Arkansas | $10 | $57 |
California | $22 | $66 |
Colorado | $9 | $45 |
Connecticut | $14 | $49 |
Delaware | $24 | $49 |
Florida | $12 | $54 |
Georgia | $11 | $59 |
Hawaii | $9 | $36 |
Idaho | $10 | $27 |
Illinois | $16 | $68 |
Indiana | $10 | $60 |
Iowa | $8 | $29 |
Kansas | $10 | $35 |
Kentucky | $11 | $48 |
Louisiana | $12 | $75 |
Maine | $12 | $25 |
Maryland | $16 | $51 |
Massachusetts | $19 | $70 |
Michigan | $21 | $84 |
Minnesota | $9 | $33 |
Mississippi | $9 | $58 |
Missouri | $15 | $51 |
Montana | $8 | $14 |
Nebraska | $10 | $30 |
Nevada | $14 | $63 |
New Hampshire | $15 | $42 |
New Jersey | $18 | $55 |
New Mexico | $14 | $54 |
New York | $10 | $31 |
North Carolina | $8 | $39 |
North Dakota | $8 | $20 |
Ohio | $9 | $40 |
Oklahoma | $10 | $43 |
Oregon | $17 | $71 |
Pennsylvania | $9 | $48 |
Rhode Island | $14 | $46 |
South Carolina | $13 | $43 |
South Dakota | $8 | $25 |
Tennessee | $11 | $49 |
Texas | $15 | $86 |
Utah | $15 | $62 |
Vermont | $11 | $26 |
Virginia | $24 | $54 |
Washington | $8 | $32 |
Washington D.C. | $15 | $68 |
West Virginia | $12 | $35 |
Wisconsin | $10 | $31 |
Wyoming | $8 | $27 |
Cheapest Motorcycle Insurance For 17-Year-Olds
The cheapest overall motorcycle insurance is offered by Progressive for 17-year-olds with average rates of $19 a month for minimum coverage and $86 monthly for full coverage.
Provider | Monthly Minimum Coverage Rate | Monthly Full Coverage Rate |
|---|---|---|
Progressive | $19 | $86 |
Geico | $19 | $118 |
Nationwide | $32 | $131 |
Cheapest Motorcycle Insurance For 17-Year-Olds By State
Progressive is also better overall for affordability regardless of state in most cases, ranking 1st in 43 out of 51 states and territories. Below you can review the cheapest bike insurance providers for your state.
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Progressive | $19 |
Alaska | Progressive | $19 |
Arizona | Progressive | $19 |
Arkansas | Progressive | $19 |
California | Geico | $30 |
Colorado | Progressive | $19 |
Connecticut | Geico | $22 |
Delaware | Progressive | $54 |
Florida | Progressive | $19 |
Georgia | Progressive | $19 |
Hawaii | Progressive | $24 |
Idaho | Progressive | $19 |
Illinois | Nationwide | $20 |
Indiana | Geico | $19 |
Iowa | Progressive | $19 |
Kansas | Progressive | $19 |
Kentucky | Progressive | $20 |
Louisiana | Progressive | $18 |
Maine | Geico | $21 |
Maryland | Progressive | $25 |
Massachusetts | Progressive | $18 |
Michigan | Progressive | $40 |
Minnesota | Progressive | $19 |
Mississippi | Progressive | $19 |
Missouri | Progressive | $31 |
Montana | Progressive | $19 |
Nebraska | Progressive | $19 |
Nevada | Progressive | $19 |
New Hampshire | Geico | $22 |
New Jersey | Progressive | $26 |
New Mexico | Progressive | $19 |
New York | Progressive | $19 |
North Carolina | Nationwide | $16 |
North Dakota | Progressive | $19 |
Ohio | Progressive | $19 |
Oklahoma | Progressive | $19 |
Oregon | Progressive | $24 |
Pennsylvania | Progressive | $19 |
Rhode Island | Progressive | $19 |
South Carolina | Progressive | $19 |
South Dakota | Progressive | $19 |
Tennessee | Progressive | $19 |
Texas | Progressive | $20 |
Utah | Progressive | $19 |
Vermont | Progressive | $19 |
Virginia | Progressive | $33 |
Washington | Progressive | $16 |
Washington D.C. | Progressive | $31 |
West Virginia | Geico | $17 |
Wisconsin | Progressive | $19 |
Wyoming | Progressive | $18 |
How Can 17-Year-Olds Save Money on Motorcycle Insurance?
Below we've summarized a few tips to help you save on a 17-year-old's motorcycle policy and get the best coverage possible.
- 1
Shop Around and Get Multiple Quotes
Based on our analysis, 17-year-old riders 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
Choosing a cheaper bike with more safety features can save you more on motorcycle insurance. This is due to the lower chance of accident and a lower replacement cost for repairs and your bike if it gets damaged.
- 3
Join Your Parent’s Policy
Joining a family policy gives an easy discount that will be applied to both a 17-year-old and their parent's policy. However, often this only makes sense if both people are riders.
- 4
If Your Bike Is Paid Off, Consider Liability-Only Insurance
Liability insurance is much less expensive than full coverage if you're willing to not have the protection for your bike. While you'll be covered for medical expenses if you're not at fault, if you are, you'll be on the hook for your own medical costs and damages to your motorcycle.
How Much Does Motorcycle Insurance Cost For a 17-Year-Old?: Bottom Line
While motorcycle insurance for 17-year-olds is extremely expensive, you can find the best rates with Progressive. Even so, we recommend that you do your own research into providers, get plenty of quotes, take advantage of discounts, and review coverage options available.
17-Year-Old Motorcycle Insurance: FAQ
MoneyGeek answered some of the most common questions on 17-year-old motorcycle insurance below:
How much does motorcycle insurance cost on average for a 17-year-old?
On average, the rate for motorcycle insurance for a 17-year-old is $1,337 per year for full coverage. For liability-only coverage, the average rate is $425 per year.
Who has the cheapest motorcycle insurance cost for a 17-year-old?
Progressive offers the cheapest overall motorcycle insurance for a 17-year-old, with average annual rates of $1,026 for full coverage and $225 for liability-only coverage.
How does motorcycle insurance work for a 17-year-old?
Not all insurers offer motorcycle insurance for a 17-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 17-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.