How Much Is Motorcycle Insurance For a 16-Year-Old?

Key Takeaways

Monthly premiums vary widely. Insurance for 16-year-old motorcyclists costs between $17-$344 per month depending on provider, coverage level, and location.

Most affordable monthly options. Geico offers the lowest minimum coverage at $20 monthly while Progressive provides the cheapest full coverage at $90 monthly for 16-year-olds.

Strategies to lower monthly payments. 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.

Average 16-Year-old Motorcycle Insurance Cost

MoneyGeek's research shows 16-year-old riders pay higher insurance premiums than more experienced motorcyclists. Minimum liability coverage costs an average of $25 monthly ($297 annually), which is double (100% higher) than the national average for all riders. For full protection, young riders face even steeper costs, with full coverage averaging $121 monthly ($1,446 annually)—a dramatic 153% increase over what typical adult riders pay.

The differences reflect insurance companies' assessment of teen riders as higher risk due to their limited experience and riding history. While premiums vary significantly by state, coverage type, and motorcycle model, our data consistently shows that 16-year-olds pay some of the highest rates in the insurance market across all categories.

Coverage Type	Average Monthly Premium	Average Annual Premium	% Difference From National Average
Minimum Liability Coverage	$25	$297	100%
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 is the most affordable provider for minimum coverage, offering teenage riders policies for just $20 monthly ($240 annually). For teens requiring full protection, Progressive delivers the best value with monthly premiums averaging $90 ($1,085 annually).

Geico's minimum coverage rates represent a 20% discount from the national average for 16-year-olds ($25 monthly), while Progressive's full coverage option saves young riders a significant 26% compared to typical full coverage costs ($121 monthly).

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 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.

Read Full Bio »

How Much Is Motorcycle Insurance For a 16-Year-Old?

Key Takeaways

Compare Motorcycle Insurance Rates

Average 16-Year-old Motorcycle Insurance Cost

Average 16-Year-Old Motorcycle Insurance Cost By State

READ MORE ABOUT MOTORCYCLE INSURANCE

Cheapest Motorcycle Insurance For 16-Year-Olds

Cheapest Motorcycle Insurance For 16-Year-Olds By State

How Can 16-Year-Olds Save Money on Motorcycle Insurance?

Shop Around and Get Multiple Quotes

Choose a Cruiser or Beginner Bike, Instead of a Sport Bike

Join Your Parent’s Policy

If Your Bike Is Paid Off, Consider Liability-Only Insurance

16-Year-Old Motorcycle Insurance: FAQ

How much does motorcycle insurance cost on average for a 16-year-old?

Who has the cheapest motorcycle insurance cost for a 16-year-old?

How does motorcycle insurance work for a 16-year-old?

How We Determined 16-Year-Old Motorcycle Insurance Rates