Motorcycle insurance for a 19-year-old rider costs an annual average of $1,203 for a full coverage policy and $337 for a minimum liability-only policy. However, depending on your particular rider profile and vehicle this may differ.
How Much Is Motorcycle Insurance For a 19-Year-Old?
Updated: April 20, 2025
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Key Takeaways
Motorcycle insurance costs for 19-year-olds can vary anywhere from $41 per year to $4,531 on average depending on your location.
The cheapest national motorcycle insurer for 19-year-olds is Progressive with average annual rates of $653 for full coverage and $198 for minimum coverage plans.
If you are 19 years old, you can save on by choosing to insure a lower value bike, going on a family plan and comparing plenty of motorcycle insurance providers.
Average Motorcycle Insurance Cost For 19-Year-Olds
Coverage Category | Average Monthly Rate | Average Annual Rate | % Difference From National Average |
|---|---|---|---|
Minimum Liability Coverage | $28 | $337 | 118% |
Full Coverage | $100 | $1,203 | 111% |
*Rates presented are for a driver with a clean driving record driving a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost For 19-Year-Olds by State
Below you can review motorcycle insurance costs by state for 19-year-olds:
State | Average Monthly Minimum Coverage Rate | Average Monthly Full Coverage Rate |
|---|---|---|
Alabama | $16 | $73 |
Alaska | $15 | $37 |
Arizona | $40 | $188 |
Arkansas | $24 | $120 |
California | $61 | $149 |
Colorado | $21 | $98 |
Connecticut | $37 | $119 |
Delaware | $53 | $101 |
Florida | $27 | $121 |
Georgia | $25 | $130 |
Hawaii | $22 | $71 |
Idaho | $20 | $49 |
Illinois | $36 | $151 |
Indiana | $22 | $123 |
Iowa | $16 | $61 |
Kansas | $24 | $80 |
Kentucky | $23 | $96 |
Louisiana | $27 | $163 |
Maine | $28 | $53 |
Maryland | $36 | $113 |
Massachusetts | $49 | $189 |
Michigan | $47 | $171 |
Minnesota | $20 | $78 |
Mississippi | $19 | $114 |
Missouri | $32 | $107 |
Montana | $17 | $29 |
Nebraska | $22 | $63 |
Nevada | $38 | $158 |
New Hampshire | $37 | $99 |
New Jersey | $43 | $130 |
New Mexico | $32 | $124 |
New York | $24 | $67 |
North Carolina | $17 | $65 |
North Dakota | $19 | $38 |
Ohio | $15 | $78 |
Oklahoma | $22 | $91 |
Oregon | $37 | $144 |
Pennsylvania | $20 | $105 |
Rhode Island | $23 | $79 |
South Carolina | $29 | $100 |
South Dakota | $19 | $56 |
Tennessee | $26 | $108 |
Texas | $22 | $151 |
Utah | $33 | $112 |
Vermont | $20 | $45 |
Virginia | $59 | $129 |
Washington | $18 | $64 |
Washington D.C. | $36 | $139 |
West Virginia | $21 | $64 |
Wisconsin | $21 | $65 |
Wyoming | $19 | $57 |
$28 | $100 | |
$337 | $1,203 |
Cheapest Motorcycle Insurance For 19-Year-Olds
If you are in, their service area, Shelter insurance offers the cheapest minimum liability motorcycle insurance for 19-year-olds with an annual rate of $90 or $7 per month. However, if you are not Progressive offers the most affordable bike insurance overall with an average rate of $17 monthly for minimum liability policies and $54 for full coverage.
Cheapest Company | Average Monthly Minimum Coverage Rate | Average Monthly Full Coverage Rate |
|---|---|---|
Shelter Insurance | $7 | $59 |
Progressive | $17 | $54 |
Geico | $25 | $95 |
Dairyland | $32 | $126 |
Markel | $23 | $141 |
Cheapest Motorcycle Insurance for 19-Year-Olds by State
In most states, Progressive is the company with cheapest motorcycle insurance for 19-year-olds, having the most affordable rates in 25 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 | $13 |
Alaska | Progressive | $13 |
Arizona | Progressive | $13 |
Arkansas | Shelter Insurance | $8 |
California | Dairyland | $22 |
Colorado | Shelter Insurance | $5 |
Connecticut | Geico | $20 |
Delaware | Dairyland | $32 |
Florida | Markel | $13 |
Georgia | Progressive | $13 |
Hawaii | Progressive | $18 |
Idaho | Progressive | $13 |
Illinois | Shelter Insurance | $20 |
Indiana | Shelter Insurance | $5 |
Iowa | Shelter Insurance | $3 |
Kansas | Shelter Insurance | $13 |
Kentucky | Shelter Insurance | $6 |
Louisiana | Shelter Insurance | $11 |
Maine | Geico | $19 |
Maryland | Progressive | $18 |
Massachusetts | Geico | $13 |
Michigan | Progressive | $29 |
Minnesota | Progressive | $13 |
Mississippi | Shelter Insurance | $6 |
Missouri | Shelter Insurance | $7 |
Montana | Progressive | $13 |
Nebraska | Shelter Insurance | $5 |
Nevada | Progressive | $13 |
New Hampshire | Geico | $20 |
New Jersey | Progressive | $19 |
New Mexico | Progressive | $13 |
New York | Progressive | $13 |
North Carolina | Dairyland | $15 |
North Dakota | Progressive | $13 |
Ohio | Shelter Insurance | $5 |
Oklahoma | Shelter Insurance | $7 |
Oregon | Progressive | $18 |
Pennsylvania | Geico | $13 |
Rhode Island | Progressive | $13 |
South Carolina | Progressive | $14 |
South Dakota | Progressive | $13 |
Tennessee | Shelter Insurance | $3 |
Texas | Progressive | $14 |
Utah | Progressive | $13 |
Vermont | Geico | $14 |
Virginia | Progressive | $23 |
Washington | Progressive | $13 |
Washington D.C. | Progressive | $22 |
West Virginia | Geico | $15 |
Wisconsin | Progressive | $13 |
Wyoming | Progressive | $13 |
How Can 19-Year-Olds Save Money on Motorcycle Insurance?
As an 19-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 motorcycle insurance for your situation:
- 1
Compare Multiple Providers
Comparing multiple providers apples to apples is the best method to save money on motorcycle insurance. 19-year-olds can save up to 75% on minimum liability coverage and 46% on full coverage policies.
- 2
Choose an Older Bike
If you've decided you want full coverage, insuring an older bike makes costs more affordable. This is due to the actual cash value of the motorcycle being lower, decreasing the payout should you need it repaired or replaced.
- 3
Join Your Parent’s Insurance Policy Or Bundle
Similar to auto insurance, joining a family policy can save you a significant sum. However, this is only the case if both a parent and child are riding a motorcycle. Also, if you like your current provider, bundling with an auto policy can possibly save you more money even if you drive a car and you kid rides a motorcycle.
- 4
Consider a Minimum Liability-Only Policy
If you’ve already paid off your bike, you might want to consider a minimum liability-only policy if you want to maximize savings. However, you should Keep in mind that liability-only insurance won’t cover repairs to your motorcycle if you’re at fault in an accident or your own injuries if you're at fault.
- 5
Take Advantage of Discounts
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
You should also consider getting an official motorcycle insurance license rather than just an endorsement since it signals to insurers that you're lower risk and will get you lower premiums.
19-Year-Old Motorcycle Insurance Cost: Bottom Line
While it can be hard to find affordable motorcycle insurance for 19-year-olds, there are providers out there with low rates. Our top three cheapest motorcycle insurance picks for 19-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.
19-Year-Old Motorcycle Insurance: FAQ
Here are our expert answers most frequently asked questions about motorcycle insurance for 19-year-olds:
How much does motorcycle insurance cost, on average, for an 19-year-old?
The average annual cost for a liability-only policy for an 19-year-old is $337, while a full coverage plan is $1,203. However, rates can range as widely from as low as $41 annually to up to $4,531 per year.
Who has the cheapest motorcycle insurance cost for an 19-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 $648 per year.
Can an 19-year-old rider be on their parent’s policy?
Yes, an 19-year-old rider can stay on their parent’s insurance policy. Unlike car insurance, there is no age limit to how long you can stay on your parent’s policy, as long as you live at the same address.
How We determined 19-Year-Old Motorcycle Insurance costs
MoneyGeek calculated the sample rates 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:
- $100K per person for bodily injury coverage
- $300K per accident for bodily injury coverage
- $50K 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.