MoneyGeek's nationwide analysis found 21-year-old motorcyclists pay average monthly premiums of $22 for basic liability-only coverage and $80 for comprehensive protection. While still higher than rates for riders in their 40s, these premiums represent a substantial improvement over teen rates.
How Much Is Motorcycle Insurance For a 21-Year-Old?
Updated: April 20, 2025
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Key Takeaways
Motorcycle insurance costs for 21-year-olds range widely from annual rates as low as $41 on average to up to $3,437 per year.
Among national insurers, Progressive offers the cheapest motorcycle insurance for 21-year-olds overall with average rates of $155 per year for minimum coverage and $596 for full coverage.
To get the most affordable rates as a 21-year-old, consider joining a family policy, insuring a less expensive bike, and comparing multiple provider quotes.
Average Motorcycle Insurance Cost For 21-Year-Olds
Coverage Type | Average Monthly Rate | Average Annual Rate | % Difference From National Average |
|---|---|---|---|
Minimum Liability Coverage | $22 | $267 | 73% |
Full Coverage | $80 | $955 | 67% |
*Rates are for a rider with no driving violations who drives a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost For 21-Year-Olds by State
While we've provided overall national costs above, rates vary widely depending on the state you reside in. So below, we've summarized average minimum liability and full coverage motorcycle rates by state:
State | Average Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
Alabama | $154 | $664 |
Alaska | $158 | $407 |
Arizona | $363 | $1,778 |
Arkansas | $227 | $1,147 |
California | $562 | $1,347 |
Colorado | $200 | $957 |
Connecticut | $339 | $1,062 |
Delaware | $535 | $958 |
Florida | $253 | $1,133 |
Georgia | $237 | $1,256 |
Hawaii | $229 | $787 |
Idaho | $187 | $449 |
Illinois | $347 | $1,520 |
Indiana | $209 | $1,237 |
Iowa | $157 | $584 |
Kansas | $227 | $768 |
Kentucky | $227 | $927 |
Louisiana | $254 | $1,627 |
Maine | $262 | $485 |
Maryland | $344 | $1,056 |
Massachusetts | $439 | $1,586 |
Michigan | $447 | $1,598 |
Minnesota | $190 | $752 |
Mississippi | $185 | $1,086 |
Missouri | $305 | $1,040 |
Montana | $160 | $278 |
Nebraska | $207 | $602 |
Nevada | $349 | $1,390 |
New Hampshire | $342 | $900 |
New Jersey | $413 | $1,247 |
New Mexico | $299 | $1,196 |
New York | $226 | $618 |
North Carolina | $163 | $616 |
North Dakota | $182 | $348 |
Ohio | $141 | $780 |
Oklahoma | $206 | $921 |
Oregon | $351 | $1,391 |
Pennsylvania | $189 | $1,050 |
Rhode Island | $229 | $740 |
South Carolina | $274 | $900 |
South Dakota | $179 | $514 |
Tennessee | $237 | $1,017 |
Texas | $210 | $1,468 |
Utah | $323 | $1,089 |
Vermont | $193 | $407 |
Virginia | $552 | $1,182 |
Washington | $171 | $598 |
Washington D.C. | $386 | $1,542 |
West Virginia | $195 | $589 |
Wisconsin | $202 | $614 |
Wyoming | $184 | $514 |
Cheapest Motorcycle Insurance For 21-Year-Olds
Nationally, you can save the most money on 21-year-old motorcycle insurance with Progressive, who provides savings of 42% for minimum coverage and 40% for full coverage. However, if you are in their service area, Shelter Insurance offers the lowest cost minimum coverage policies at a low $90 per year.
Cheapest Provider | Average Monthly Minimum Coverage Rate | Average Monthly Full Coverage Rate |
|---|---|---|
Progressive | $13 | $50 |
Shelter Insurance | $7 | $59 |
Dairyland | $23 | $76 |
Geico | $24 | $88 |
Harley Davidson | $34 | $98 |
Cheapest Motorcycle Insurance For 21-Year-Olds by State
Progressive also dominates the state landscape with the cheapest rates overall in 36 out of 51 states and territories. However, if you are not in any of these areas, another provider may be cheaper, so we've summarized the top most affordable providers by state below.
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Markel | $10 |
Alaska | Progressive | $10 |
Arizona | Progressive | $10 |
Arkansas | Shelter Insurance | $8 |
California | Dairyland | $15 |
Colorado | Shelter Insurance | $5 |
Connecticut | Progressive | $19 |
Delaware | Dairyland | $23 |
Florida | Progressive | $10 |
Georgia | Progressive | $10 |
Hawaii | Progressive | $14 |
Idaho | Progressive | $10 |
Illinois | Progressive | $17 |
Indiana | Shelter Insurance | $5 |
Iowa | Shelter Insurance | $3 |
Kansas | Progressive | $10 |
Kentucky | Shelter Insurance | $6 |
Louisiana | Shelter Insurance | $11 |
Maine | Progressive | $16 |
Maryland | Progressive | $14 |
Massachusetts | Progressive | $10 |
Michigan | Progressive | $23 |
Minnesota | Progressive | $10 |
Mississippi | Shelter Insurance | $6 |
Missouri | Shelter Insurance | $7 |
Montana | Progressive | $10 |
Nebraska | Progressive | $5 |
Nevada | Progressive | $10 |
New Hampshire | Progressive | $15 |
New Jersey | Progressive | $15 |
New Mexico | Progressive | $10 |
New York | Progressive | $10 |
North Carolina | Dairyland | $10 |
North Dakota | Progressive | $10 |
Ohio | Shelter Insurance | $5 |
Oklahoma | Shelter Insurance | $7 |
Oregon | Progressive | $14 |
Pennsylvania | Progressive | $10 |
Rhode Island | Progressive | $10 |
South Carolina | Progressive | $11 |
South Dakota | Progressive | $10 |
Tennessee | Shelter Insurance | $3 |
Texas | Progressive | $11 |
Utah | Progressive | $10 |
Vermont | Progressive | $11 |
Virginia | Progressive | $18 |
Washington | Progressive | $10 |
Washington D.C. | Progressive | $17 |
West Virginia | Progressive | $14 |
Wisconsin | Progressive | $10 |
Wyoming | Progressive | $10 |
How Can 21-Year-Olds Save Money on Motorcycle Insurance?
While insurance tends to be more expensive the younger you are, there are some measures 21-year-olds can take to score significant savings:
- 1
Compare Quotes
Gather quotes from multiple companies to make sure you’re getting the lowest rate for your motorcycle insurance. When comparing policies, always compare plans that offer identical coverage so you know which is the most affordable.
- 2
Choose Your Bike Carefully
One of the easiest ways to save money on premiums is to use a motorcycle that costs less to insure — insuring a cruiser, moped or other beginner bike costs significantly less than insuring a sports bike.
- 3
Stay On Your Parent’s Policy
Staying on your family policy gives you multiple benefits that can help lower your insurance costs. These include bundling discounts and reduced rates for long-term customers or riders who own a house.
- 4
Consider Liability-Only Coverage
If you’ve paid off your bike and can afford to replace it out of pocket, you could consider carrying liability-only coverage. This option saves you money by eliminating the cost of comprehensive and collision insurance. However, it also means you’re responsible for repairing or replacing your bike in the event of an at-fault accident.
21-Year-Old Motorcycle Insurance cost: Bottom Line
While 21-year-old drivers have rates that are at least 67% higher than the national average, there are still affordable providers you can get quotes from. Our team recommends you reach out to Progressive, Shelter Insurance, and Dairyland for coverage pricing on your motorcycle.
21-Year-Old Motorcycle Insurance: FAQ
Our experts answered some common frequently asked questions about 21-year-old motorcycle insurance below:
How much does motorcycle insurance cost, on average, for a 21-year-old?
According to our research, the average 21-year-old pays $267 per year for liability-only motorcycle insurance and $955 for full coverage. Keep in mind that insurance rates vary based on your driving history and location, which means your rates may be higher or lower than the national average.
Who has the cheapest motorcycle insurance cost for a 21-year-old?
MoneyGeek found that Progressive has the lowest motorcycle insurance rates for 21-year-old drivers overall. However, premiums can vary widely from state to state. Be sure to get multiple quotes to make sure you’re getting the lowest rates available.
Can a 21-year-old rider be on a parent’s policy?
Yes, riders can stay on a parent’s insurance plan as long as they live in the same house. Parents may even be required to list all household residents of driving or riding age on their policy unless they have an individual policy in their name. Insurance company rules and local laws play a big part in determining coverage requirements, so it’s important to do your research if you plan to stay on a parent’s plan.
How does motorcycle insurance work for a 21-year-old?
Generally, motorcycle insurance is more expensive for 21-year-olds than older riders. There are many types of coverage you can add or remove from your motorcycle insurance policy. Researching coverages online or working with an insurance broker can help you figure out the best options for your specific needs.
How We Determined Motorcycle Insurance Rates For 21-Year-Olds
MoneyGeek calculated the sample rates on this page by gathering quotes for a 21-year-old riding a Honda CRF450RL with a good driving record. These rates are for minimum motorcycle insurance requirements in each state and full coverage limits are as follows:
- $100,000 per person for bodily injury coverage
- $300,000 per accident for bodily injury coverage
- $50,000 per accident for property damage coverage
In instances where sample rates were for a full coverage policy, note that the policy includes comprehensive and collision with a $1,000 deductible.
About Rachael Brennan
Rachael Brennan is a licensed insurance agent with over a decade of experience in the industry. She holds a property and casualty (P&C) license across all 50 states and a life, health, and accidental death and dismemberment (AD&D) license in New York and surrounding states. She writes personal finance and insurance content for MoneyGeek, specializing in property, casualty, health, life and accidental death and disability insurance.
Brennan earned her Bachelor of Science in Communications from Texas A&M University-Commerce. As a writer, she uses her insurance and personal finance experience to share practical knowledge and help people make informed financial decisions.