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Average Cost of Motorcycle Insurance For an 18 Year Old

average cost of motorcycle insurance for 18 year old

Motorcycle insurance for a young driver can be expensive. Many factors go into the price, including location, insurance company, gender, and driving history. Taking a look at the average cost of motorcycle insurance for an 18-year-old will give you an idea of what to expect. Below we’ll look at some of the most popular insurance plans for young drivers. This may surprise you! Read on to find out more!


Most companies quote the same rates for men and women, but the Dairyland region has the biggest difference in the average cost of motorcycle insurance. Geico offers the lowest average cost of motorcycle insurance for 18 year olds, at $382 per year. However, if you are under 18, you will have to pay more than an experienced 30-year-old with a clean driving record. It is important to compare rates from several different insurance companies to find the lowest quote for your age group.

Motorcycle insurance companies base their rates on statistics on crashes and collisions. For example, if you take a motorcycle safety course, you can qualify for a discount of up to 10% on the yearly policy cost with Geico. Ask your insurance agent for additional discounts and other options to save money on your motorcycle policy. The cost of motorcycle insurance can vary significantly by state. An 18 year old in Florida could pay as little as $358 per month, while an 18-year-old in California would pay $851 per month.

Another factor that can affect the cost of motorcycle insurance is the rider’s habits. Some companies offer discounts for good students, but they are not universal. Most states require that the rider carry liability insurance, which is the bare minimum. However, it will only cover the costs of another car or motorcycle if you are at fault in an accident. Comprehensive insurance, on the other hand, is much more expensive. A typical 18-year-old male will pay up to $550 for this type of insurance.


It is very important to understand the factors that determine how much Progressive motorcycle insurance for an 18-year-old costs before you purchase a policy. Age is a huge factor, as young drivers are more likely to be involved in an accident. As a result, they will likely have to pay more than a 30-year-old with a perfect driving record. However, if you are looking for the best deal possible, you should make sure to shop around online for rates.

When it comes to calculating a premium, many insurance companies look at your gender and risk factors when determining your policy costs. Women tend to pay less than men, so Progressive can provide affordable motorcycle insurance for young drivers. State Farm, on the other hand, charges slightly higher rates for people with bad credit than those with good credit. However, Progressive is not as expensive as the two top competitors. By shopping around, you can find a better deal on your insurance policy and pay less for it.

Some insurers offer a good student discount, but not all of them do. This discount is available to students who maintain a GPA above 3.0. Another consideration is the fact that a bike that is unlikely to be stolen is unlikely to cost much. Taking a safety course could save you hundreds of dollars a year. However, you should keep in mind that your state will also affect the cost of motorcycle insurance. If you live in Florida, for example, you may be required to pay $358 per year. In California, you would pay $851.


When looking for motorcycle insurance for your 18-year-old son or daughter, the most important features to consider are the cost, the type of coverage, and the company’s reputation. These factors affect your premium and the coverage you receive. Geico’s plan covers only sports bikes and cruisers; its other options include mopeds, touring bikes, and custom motorcycles. You can choose a policy that offers standard coverage and roadside assistance, or you can customize it with coverage for your custom or vintage bike.

Another insurer offering motorcycle insurance for 18-year-olds is Foremost. They offer similar coverage to Farmers, and they offer three main packages. Each plan comes with customizable options that meet your needs. They also offer first-accident forgiveness, helmet and safety apparel coverage, and replacement cost coverage. Elite coverage offers extra features like roadside assistance and permissive use rental benefits. You can also opt to insure your custom or vintage bike.

Motorcycle insurance for 18-year-olds costs much more than that of an older rider. The average cost for a liability-only policy costs $313 per year, while a full-coverage plan will set you back $10124. Your exact rate will vary depending on your location, the insurance company you choose, and whether you have a clean driving record. As long as you follow the above-mentioned tips, you should be able to get quality motorcycle insurance at affordable rates.

Progressive’s uninsured motorist coverage

If you’re shopping for motorcycle insurance for your teenaged son or daughter, you need to compare policies carefully. Full coverage policies cover the costs of damages, but they won’t cover your custom upgrades. Rather, they’ll cover the cost of repairs and replacement parts – up to the cost of the deductible. A top motorcycle insurance provider for young drivers is Progressive, which offers an extensive list of discounts and free online quotes. In addition to full replacement costs, Progressive’s policies cover OEM parts during repairs and include full OEM parts.

While all car insurance companies have different prices, Progressive’s average rate hike for drivers with poor credit is $528. It’s the second lowest overall among top competitors. The price of insurance for young drivers with bad credit will likely be higher than for experienced drivers. Regardless of the insurer you choose, comparison shopping is the best way to save money on motorcycle insurance for 18 year olds.

For teenagers, Progressive’s Snapshot program offers discounts based on your driving history. The program can be downloaded to your phone or received as a plug-in device. It tracks your driving habits for six months. Although Snapshot users often see their Progressive rate increase, it’s worth it for the savings. However, make sure you do your research and don’t opt for the cheapest plan.

California’s minimum liability coverage

California’s minimum liability coverage for motorcycle insurance requires a policy of $15,000 in damages and bodily injury to the other party. However, it is possible to get more coverage for a lower premium. The insurance company will consider your driving history and level of competency when setting your premium. If you have a low mileage per day, this may also reduce your premiums. Likewise, you can get a more comprehensive coverage plan for your motorcycle for as little as $1000 a year. If you have a sports bike, you can also get up to three times the coverage required in California.

Liability motorcycle insurance is mandatory in California. Depending on your age, you can get a plan that covers you up to a certain amount per accident, which will depend on the state you live in. In addition to California’s minimum coverage, most states require that motorcycle riders get a policy. If you’re under 18, you can get a low-cost plan through a motorcycle insurance provider. If you’re 18 or younger, you should check out Progressive. It has great rates and a list of discounts. You can also get a plan that covers your custom parts up to a certain amount, as long as you use an OEM part.

You’ll also need medical payment coverage. If you’re hit by an uninsured motorist, this coverage will help pay for your medical expenses. In addition, medical payment coverage will help bridge the gap if the other party doesn’t have enough insurance coverage to cover the entire costs. You should also look for additional coverages like uninsured or underinsured motorist. You don’t want to be responsible for more damages than you’ve paid.


As a young rider, motorcycle insurance is not cheap. There are several factors that can affect the overall cost. Your location, gender, driving history, and auto insurance company can all influence the final cost. Here is a breakdown of how much you should expect to pay. The average cost of motorcycle insurance for 18 year olds is about $382 per year. There are some exceptions to this rule, though.

First of all, you must choose a type of coverage. Comprehensive coverage will cover third-party and property damage, theft, and no-fault accidents. The first option, third-party only, is probably the cheapest, but comprehensive insurance is required to get a motorcycle loan. Comprehensive coverage is the most expensive type of policy and will typically cost $500 or more per month for an 18-year-old male.