Motorcycle insurance for an 18-year-old rider costs a monthly average of $105 for a full coverage policy and $35 for a minimum liability-only policy. However, these are national averages for a driver with no violations, so what you pay may differ according to your location and driving record.
How Much Is Motorcycle Insurance For a 18-Year-Old?
Updated: April 20, 2025
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Key Takeaways
Depending on your location, motorcycle insurance for 18-year-olds can vary anywhere from $41 per year to $4,320 on average.
The cheapest national motorcycle insurer for 18-year-olds is Progressive with average annual rates of $631 for full coverage and $268 for minimum coverage plans.
Saving on motorcycle insurance as an 18-year-old involves joining a family plan, taking advantage of discount programs, and shopping around.
Average Motorcycle Insurance Cost For 18-Year-Olds
Coverage Category | Average Monthly Rate | Average Annual Rate | % Difference From National Average |
|---|---|---|---|
Minimum Liability Coverage | $35 | $422 | 174% |
Full Coverage | $105 | $1,255 | 120% |
*Rates presented are for a driver with a clean driving record driving a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost For 18-Year-Olds by State
Below you can review how much motorcycle insurance costs by state for 18-year-olds:
State | Average Minimum Coverage Premium | Average Full Coverage Premium |
|---|---|---|
Alabama | $245 | $904 |
Alaska | $208 | $432 |
Arizona | $619 | $2,431 |
Arkansas | $364 | $1,572 |
California | $953 | $1,837 |
Colorado | $326 | $1,239 |
Connecticut | $571 | $1,475 |
Delaware | $747 | $1,215 |
Florida | $418 | $1,518 |
Georgia | $391 | $1,616 |
Hawaii | $296 | $837 |
Idaho | $303 | $598 |
Illinois | $527 | $1,893 |
Indiana | $337 | $1,575 |
Iowa | $249 | $771 |
Kansas | $358 | $994 |
Kentucky | $338 | $1,219 |
Louisiana | $410 | $2,103 |
Maine | $433 | $650 |
Maryland | $546 | $1,439 |
Massachusetts | $763 | $2,339 |
Michigan | $703 | $2,151 |
Minnesota | $307 | $990 |
Mississippi | $290 | $1,428 |
Missouri | $494 | $1,330 |
Montana | $249 | $358 |
Nebraska | $337 | $782 |
Nevada | $575 | $2,005 |
New Hampshire | $576 | $1,232 |
New Jersey | $623 | $1,608 |
New Mexico | $491 | $1,607 |
New York | $370 | $805 |
North Carolina | $252 | $801 |
North Dakota | $271 | $459 |
Ohio | $218 | $980 |
Oklahoma | $333 | $1,154 |
Oregon | $551 | $1,845 |
Pennsylvania | $293 | $1,305 |
Rhode Island | $333 | $987 |
South Carolina | $443 | $1,244 |
South Dakota | $283 | $702 |
Tennessee | $393 | $1,377 |
Texas | $344 | $1,901 |
Utah | $495 | $1,421 |
Vermont | $308 | $545 |
Virginia | $900 | $1,632 |
Washington | $273 | $770 |
Washington D.C. | $476 | $1,641 |
West Virginia | $319 | $778 |
Wisconsin | $325 | $808 |
Wyoming | $291 | $713 |
Cheapest Motorcycle Insurance For 18-Year-Olds
If you are in, their service area, Shelter insurance offers the cheapest minimum liability motorcycle insurance for 18-year-olds with an annual rate of $90 or $7 per month. However, if you are not Progressive offers the most affordable bike insurance for the age group with an average rate of $22 monthly for minimum liability policies and $53 for full coverage.
Cheapest Company | Average Monthly Minimum Coverage Rate | Average Monthly Full Coverage Rate |
|---|---|---|
Shelter Insurance | $7 | $59 |
Progressive | $22 | $53 |
Geico | $25 | $95 |
Dairyland | $30 | $118 |
Markel | $43 | $155 |
Cheapest Motorcycle Insurance for 18-Year-Olds by State
In most states, Progressive is the standout as the cheapest motorcycle insurance provider for 18-year-olds, having the most affordable rates in 21 out of 50 states. However, there are a large variety of providers that earned this title in other states, so we have summarized the lowest cost companies below.
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Geico | $17 |
Alaska | Geico | $17 |
Arizona | Geico | $17 |
Arkansas | Shelter Insurance | $8 |
California | Geico | $26 |
Colorado | Shelter Insurance | $5 |
Connecticut | Geico | $20 |
Delaware | Dairyland | $43 |
Florida | Markel | $17 |
Georgia | Progressive | $18 |
Hawaii | Progressive | $24 |
Idaho | Geico | $17 |
Illinois | Shelter Insurance | $20 |
Indiana | Shelter Insurance | $5 |
Iowa | Shelter Insurance | $3 |
Kansas | Shelter Insurance | $13 |
Kentucky | Shelter Insurance | $6 |
Louisiana | Geico | $11 |
Maine | Progressive | $19 |
Maryland | Progressive | $25 |
Massachusetts | Geico | $17 |
Michigan | Progressive | $39 |
Minnesota | Progressive | $18 |
Mississippi | Shelter Insurance | $6 |
Missouri | Shelter Insurance | $7 |
Montana | Progressive | $18 |
Nebraska | Shelter Insurance | $5 |
Nevada | Progressive | $18 |
New Hampshire | Geico | $20 |
New Jersey | Progressive | $25 |
New Mexico | Progressive | $18 |
New York | Progressive | $18 |
North Carolina | Geico | $19 |
North Dakota | Progressive | $18 |
Ohio | Shelter Insurance | $5 |
Oklahoma | Shelter Insurance | $7 |
Oregon | Progressive | $24 |
Pennsylvania | Geico | $17 |
Rhode Island | Progressive | $18 |
South Carolina | Progressive | $18 |
South Dakota | Progressive | $18 |
Tennessee | Shelter Insurance | $3 |
Texas | Geico | $18 |
Utah | Progressive | $18 |
Vermont | Geico | $19 |
Virginia | Progressive | $32 |
Washington | Geico | $17 |
Washington D.C. | Progressive | $30 |
West Virginia | Geico | $15 |
Wisconsin | Progressive | $18 |
Wyoming | Progressive | $18 |
How Can 18-Year-Olds Save Money on Motorcycle Insurance?
As an 18-year-old motorcycle rider, insurance tends to be costly. Fortunately, there are some key steps you can take to reduce your rates significantly and get the best bike insurance for your situation:
- 1
Shop Around
Because insurance premiums vary widely, be sure to shop around and get multiple quotes from different companies.
- 2
Choose the Right Bike
Some bikes cost more to insure than others. Bikes that are older or have less powerful engines tend to be relatively inexpensive to insure. On the other hand, sportbikes cost a great deal to insure. Cruisers and tourers fall somewhere in between. Choose your bike wisely.
- 3
Join Your Parent’s Insurance Policy
One advantage to being an 18-year-old motorcycle rider is that you might be able to hop onto your parent’s car insurance policy. Your parents probably earn more discounts from their insurance company, such as bundling home and auto insurance and having multiple vehicles, so their rates will be lower.
- 4
Consider a Liability-Only Policy
If you’ve already paid off your bike, you might want to consider a liability-only policy. Keep in mind that liability-only insurance won’t cover repairs to your motorcycle if you’re at fault in an accident. However, if you’re a safe rider and have the funds to repair your bike in a worst-case scenario, the low premiums associated with this plan might be worth the risk.
- 5
Use Discounts to Your Advantage
Take advantage of as many discounts as you can. Most insurance companies offer many opportunities for savings, including:
- Motorcycle safety course discounts
- Riding association discounts
- Pay-in-full discounts
- Anti-theft discounts
- Paperless billing discounts
Ask your insurance company what discounts you qualify for.
- 6
Purchase Seasonal Insurance, if Applicable
If you don’t ride your bike in the cold winter months, some insurance companies allow a “lay-up” period, which means you keep your insurance when you’re not using your motorcycle. Some even have a provision for a “sunny day” exclusion, meaning you can ride your bike once or twice if it’s unseasonably warm. However, keep in mind that every company in every state doesn’t offer this type of policy.
18-Year-Old Motorcycle Insurance Cost: Bottom Line
While it can be hard to find affordable motorcycle insurance for 18-year-olds, there are providers out there with low rates. Our top three cheapest motorcycle insurance picks for 18-year-olds are Shelter Insurance, Progressive and Geico. However, we still recommend that you compare provider quotes for yourself to find the best deal for your situation.
18-Year-Old Motorcycle Insurance: FAQ
Here are our expert answers most frequently asked questions about motorcycle insurance for 18-year-olds:
How much does motorcycle insurance cost, on average, for an 18-year-old?
Just like car insurance, 18-year-old riders pay more for motorcycle insurance than someone over 25. The average annual cost for a liability-only policy for an 18-year-old is $422, while a full coverage plan is $1,255. However, rates can range as widely from as low as $41 annually to up to $4,320 per year.
Who has the cheapest motorcycle insurance cost for an 18-year-old?
Shelter Insurance offers the cheapest annual quote for an 18-year-old on a liability-only policy at $90 for those in their service area, otherwise Progressive is the most affordable. Progressive has the most affordable full coverage policy at $631 per year.
Can an 18-year-old rider be on their parent’s policy?
Yes, an 18-year-old rider can stay on their parent’s insurance policy. There is no age limit to how long you can stay on your parent’s auto policy, as long as you live at the same address. Once you move out, you’ll need to purchase your own policy.
How does motorcycle insurance work for an 18-year-old?
Like car insurance, the two factors that have the biggest impact on your motorcycle insurance rates are age and location. Maintaining a good riding record and credit score can also help lower your rates.
How We determined 18-Year-Old Motorcycle Insurance costs
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 Gail Kellner
Gail Kellner is a finance writer at MoneyGeek, specializing in life insurance, auto insurance and personal finance. She also has a 23-year experience in the health sector.
Kellner has a Master of Science from Indiana State University and a Bachelor of Arts in Psychology from Western Connecticut State University.