Motorcycle insurance for a 20-year-old rider costs an annual average of $1,123 for a full coverage policy and $301 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 20-Year-Old?
Updated: April 20, 2025
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Key Takeaways
Motorcycle insurance costs for 20-year-olds can vary anywhere from $41 per year to $4,093 on average depending on your location.
The cheapest national motorcycle insurer for 20-year-olds is Progressive with average annual rates of $615 for full coverage and $177 for minimum coverage plans.
If you are 20 years old, you can save on by choosing to insure a lower value bike, going on a family plan and comparing motorcycle insurance providers through multiple means.
Average Motorcycle Insurance Cost For 20-Year-Olds
Coverage Category | Average Monthly Rate | Average Annual Rate | % Difference From National Average |
|---|---|---|---|
Minimum Liability Coverage | $25 | $301 | 95% |
Full Coverage | $94 | $1,123 | 97% |
*Rates presented are for a driver with a clean driving record driving a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost For 20-Year-Olds by State
Below you can review 20-year old motorcycle insurance costs by state:
State | Average Monthly Minimum Coverage Rate | Average Monthly Full Coverage Rate |
|---|---|---|
Alabama | $15 | $67 |
Alaska | $14 | $36 |
Arizona | $35 | $174 |
Arkansas | $21 | $112 |
California | $54 | $138 |
Colorado | $19 | $92 |
Connecticut | $32 | $110 |
Delaware | $49 | $95 |
Florida | $24 | $113 |
Georgia | $23 | $122 |
Hawaii | $21 | $69 |
Idaho | $18 | $46 |
Illinois | $32 | $143 |
Indiana | $20 | $116 |
Iowa | $15 | $57 |
Kansas | $21 | $75 |
Kentucky | $21 | $91 |
Louisiana | $24 | $153 |
Maine | $25 | $49 |
Maryland | $32 | $104 |
Massachusetts | $42 | $173 |
Michigan | $42 | $158 |
Minnesota | $18 | $73 |
Mississippi | $17 | $107 |
Missouri | $29 | $101 |
Montana | $15 | $28 |
Nebraska | $20 | $59 |
Nevada | $33 | $145 |
New Hampshire | $33 | $92 |
New Jersey | $38 | $119 |
New Mexico | $28 | $115 |
New York | $22 | $63 |
North Carolina | $15 | $61 |
North Dakota | $17 | $35 |
Ohio | $13 | $74 |
Oklahoma | $19 | $86 |
Oregon | $33 | $135 |
Pennsylvania | $17 | $97 |
Rhode Island | $21 | $73 |
South Carolina | $26 | $93 |
South Dakota | $17 | $51 |
Tennessee | $23 | $101 |
Texas | $20 | $140 |
Utah | $30 | $105 |
Vermont | $18 | $41 |
Virginia | $52 | $119 |
Washington | $16 | $60 |
Washington D.C. | $35 | $136 |
West Virginia | $19 | $59 |
Wisconsin | $19 | $60 |
Wyoming | $17 | $52 |
Cheapest Motorcycle Insurance For 20-Year-Olds
If you are in their service area, Shelter insurance offers the cheapest minimum liability motorcycle insurance for 20-year-olds with a monthly rate of $7. However, if you are not, Progressive offers the most affordable bike insurance overall with an average rate of $15 monthly for minimum liability policies and $51 for full coverage.
Cheapest Company | Average Monthly Minimum Coverage Rate | Average Monthly Full Coverage Rate |
|---|---|---|
Shelter Insurance | $7 | $59 |
Progressive | $15 | $51 |
Geico | $25 | $95 |
Dairyland | $27 | $114 |
Markel | $21 | $132 |
Cheapest Motorcycle Insurance for 20-Year-Olds by State
In most states, Progressive is the company with most affordable motorcycle insurance for 20-year-olds, having the cheapest rates in 30 out of 50 states. However, this may not be the case where you live, so we have summarized the lowest cost companies below.
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Markel | $12 |
Alaska | Progressive | $12 |
Arizona | Progressive | $12 |
Arkansas | Shelter Insurance | $8 |
California | Dairyland | $18 |
Colorado | Shelter Insurance | $5 |
Connecticut | Geico | $20 |
Delaware | Dairyland | $28 |
Florida | Markel | $12 |
Georgia | Progressive | $12 |
Hawaii | Progressive | $16 |
Idaho | Progressive | $12 |
Illinois | Shelter Insurance | $19 |
Indiana | Shelter Insurance | $5 |
Iowa | Shelter Insurance | $3 |
Kansas | Shelter Insurance | $12 |
Kentucky | Shelter Insurance | $6 |
Louisiana | Shelter Insurance | $11 |
Maine | Progressive | $19 |
Maryland | Progressive | $16 |
Massachusetts | Progressive | $12 |
Michigan | Progressive | $26 |
Minnesota | Progressive | $12 |
Mississippi | Shelter Insurance | $6 |
Missouri | Shelter Insurance | $7 |
Montana | Progressive | $12 |
Nebraska | Shelter Insurance | $5 |
Nevada | Progressive | $12 |
New Hampshire | Progressive | $18 |
New Jersey | Progressive | $17 |
New Mexico | Progressive | $12 |
New York | Progressive | $12 |
North Carolina | Dairyland | $12 |
North Dakota | Progressive | $12 |
Ohio | Shelter Insurance | $5 |
Oklahoma | Shelter Insurance | $7 |
Oregon | Progressive | $16 |
Pennsylvania | Progressive | $12 |
Rhode Island | Progressive | $12 |
South Carolina | Progressive | $12 |
South Dakota | Progressive | $12 |
Tennessee | Shelter Insurance | $3 |
Texas | Progressive | $13 |
Utah | Progressive | $12 |
Vermont | Progressive | $13 |
Virginia | Progressive | $21 |
Washington | Progressive | $12 |
Washington D.C. | Progressive | $20 |
West Virginia | Geico | $15 |
Wisconsin | Progressive | $12 |
Wyoming | Progressive | $12 |
How Can 20-Year-Olds Save Money on Motorcycle Insurance?
Here are some key steps you can take to reduce your rates as a 20-year-old significantly and get the best motorcycle insurance for your needs:
- 1
Compare Multiple Providers
Comparing multiple providers apples to apples is the best method to save money on motorcycle insurance. 20-year-olds can save up to 72% on minimum liability coverage and 45% on full coverage policies.
- 2
Choose an Older Bike
If you're looking for full coverage, insuring an older bike makes a bike policy much more affordable. This is due to the value of the motorcycle being lower which decreases the cost of repairs and replacements, leading to lower overall premiums.
- 3
Join Your Parent’s Insurance Policy Or Bundle
Joining a family policy can save you a significant sum, but this is only helpful if both a parent and child are riding a motorcycle. If this is not your situation, bundling with an auto policy can possibly save you more money overall for both policies.
- 4
Take Advantage of Discounts
Motorcycle insurers offer discounts for membership affiliations, taking safety courses, homeownership, military, safety equipment and having a motorcycle license. However, often the discount that can save you the most is an annual pay in full discount, which we found can save you up to 23% on your policy.
20-Year-Old Motorcycle Insurance Cost: Bottom Line
While it can be hard to find affordable motorcycle insurance for 20-year-olds, there are providers out there with good rates. Our top three cheapest motorcycle insurance picks for 20-year-olds are Shelter Insurance, Progressive and Geico. Even so, we still recommend that you compare provider quotes for yourself to find the best deal for your situation.
20-Year-Old Motorcycle Insurance: FAQ
Here are our expert answers most frequently asked questions about motorcycle insurance for 20-year-olds:
How much does motorcycle insurance cost, on average, for an 20-year-old?
The average annual cost for a liability-only policy for an 20-year-old is $301, while a full coverage plan is $1,123. However, rates can range as widely from as low as $41 annually to up to $4,093 per year.
Who has the cheapest motorcycle insurance cost for an 20-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 $615.
Can an 20-year-old rider be on their parent’s policy?
Yes, an 20-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 20-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.