MoneyGeek's nationwide analysis found 22-year-old motorcyclists pay average monthly premiums of $21 for basic liability-only coverage and $78 for comprehensive protection. Below you can compare average rates and how much they differ from the national average.
How Much Is Motorcycle Insurance For a 22-Year-Old?
Updated: April 20, 2025
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Key Takeaways
Motorcycle insurance costs for 22-year-olds range widely from annual rates as low as $41 on average to up to $3,215 per year.
Among national insurers, Progressive offers the cheapest motorcycle insurance for 22-year-olds overall with average rates of $154 per year for minimum coverage and $610 for full coverage.
To get the best rates as a 22-year-old, consider joining a family policy, insuring a less expensive bike, and comparing motorcycle insurance quotes.
Average Motorcycle Insurance Cost For 22-Year-Olds
Coverage Type | Average Monthly Rate | Average Annual Rate | % Difference From National Average |
|---|---|---|---|
Minimum Liability Coverage | $21 | $241 | 57% |
Full Coverage | $78 | $940 | 65% |
*Rates are for a rider with no driving violations who drives a 2023 Honda CRF450RL.
Average Motorcycle Insurance Cost For 22-Year-Olds by State
While we've provided overall national motorcycle insurance costs above for the age group, rates vary widely depending on the state you reside in. So below, we've summarized average minimum liability and full coverage motorcycle rates for 22-year-olds by state:
State | Average Monthly Minimum Coverage Rate | Average Monthly Full Coverage Rate |
|---|---|---|
Alabama | $12 | $55 |
Alaska | $13 | $32 |
Arizona | $27 | $143 |
Arkansas | $17 | $93 |
California | $40 | $113 |
Colorado | $15 | $78 |
Connecticut | $25 | $90 |
Delaware | $41 | $80 |
Florida | $19 | $92 |
Georgia | $18 | $103 |
Hawaii | $19 | $63 |
Idaho | $14 | $38 |
Illinois | $27 | $123 |
Indiana | $16 | $98 |
Iowa | $12 | $48 |
Kansas | $17 | $64 |
Kentucky | $17 | $76 |
Louisiana | $19 | $130 |
Maine | $20 | $41 |
Maryland | $26 | $86 |
Massachusetts | $32 | $137 |
Michigan | $33 | $132 |
Minnesota | $14 | $60 |
Mississippi | $14 | $90 |
Missouri | $23 | $86 |
Montana | $12 | $23 |
Nebraska | $15 | $50 |
Nevada | $26 | $116 |
New Hampshire | $25 | $75 |
New Jersey | $32 | $104 |
New Mexico | $23 | $95 |
New York | $17 | $52 |
North Carolina | $13 | $51 |
North Dakota | $14 | $29 |
Ohio | $11 | $63 |
Oklahoma | $15 | $74 |
Oregon | $26 | $112 |
Pennsylvania | $15 | $86 |
Rhode Island | $17 | $61 |
South Carolina | $20 | $75 |
South Dakota | $13 | $42 |
Tennessee | $18 | $83 |
Texas | $16 | $119 |
Utah | $25 | $87 |
Vermont | $14 | $34 |
Virginia | $41 | $97 |
Washington | $13 | $50 |
Washington D.C. | $31 | $123 |
West Virginia | $15 | $50 |
Wisconsin | $15 | $50 |
Wyoming | $14 | $43 |
Cheapest Motorcycle Insurance For 22-Year-Olds
Nationally, you can save the most money on 22-year-old motorcycle insurance with Progressive, who provides savings of 62% for minimum coverage and 53% 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 | $51 |
Shelter Insurance | $7 | $59 |
Geico | $23 | $82 |
Dairyland | $20 | $89 |
Markel | $18 | $88 |
Cheapest Motorcycle Insurance For 22-Year-Olds by State
Progressive also has the cheapest rates overall for 22-year-olds in 30 out of 51 states and territories. However, if you are not in any of these areas, another provider may be more affordable, so we've summarized the lowest cost 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 | $13 |
Colorado | Shelter Insurance | $5 |
Connecticut | Geico | $18 |
Delaware | Dairyland | $20 |
Florida | Progressive | $10 |
Georgia | Progressive | $10 |
Hawaii | Progressive | $14 |
Idaho | Progressive | $10 |
Illinois | Shelter Insurance | $17 |
Indiana | Shelter Insurance | $5 |
Iowa | Shelter Insurance | $3 |
Kansas | Shelter Insurance | $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 | Dairyland | $10 |
Nebraska | Shelter Insurance | $5 |
Nevada | Progressive | $10 |
New Hampshire | Progressive | $15 |
New Jersey | Progressive | $15 |
New Mexico | Progressive | $10 |
New York | Progressive | $10 |
North Carolina | Harley Davidson | $9 |
North Dakota | Dairyland | $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 22-Year-Olds Save Money on Motorcycle Insurance?
While insurance tends to be more expensive the younger you are, there are some measures 22-year-olds can take to score significant savings and get the best bike coverage:
- 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 with apples-to-apples coverage so you know which is the most affordable.
- 2
Choose A Lower Value Bike
One of the easiest ways to save money on premiums is to use a motorcycle that costs less to insure. This lowers costs on the insurers end if you choose to get collision or comprehensive coverage and ultimately lowers premiums for you.
- 3
Stay On Your Parent’s Policy
Staying on your family policy gives you 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, the cheapest option possible is minimum liability-only coverage. However, if you choose this coverage, you’re responsible for repairing or replacing your bike in the event of an at-fault accident.
22-Year-Old Motorcycle Insurance Cost: Bottom Line
While 22-year-old drivers have rates that are at least 57% 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 Geico for getting coverage on your motorcycle.
22-Year-Old Motorcycle Insurance: FAQ
Our experts answered some common frequently asked questions about 22-year-old motorcycle insurance below:
How much does motorcycle insurance cost, on average, for a 22-year-old?
According to our research, the average 22-year-old pays $241 per year for liability-only motorcycle insurance and $940 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 22-year-old?
MoneyGeek found that Progressive has the lowest motorcycle insurance rates for 22-year-old drivers overall. Their rates start at $10 per month for minimum coverage and $51 monthly for full coverage plans.
Can a 22-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.
How We Determined Motorcycle Insurance Rates For 22-Year-Olds
MoneyGeek calculated the sample rates on this page by gathering quotes for a 22-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:
- $1000,000 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.