Through our analysis, we found that Progressive is the best and cheapest overall motorcycle insurance provider for young riders 25 and under. The company boasts the lowest rates out of any nationally available provider, good customer service, and a large selection of add-on coverage options. However, you should also consider our other top 5 picks including Shelter Insurance, Geico, Dairyland and Harley Davidson in your search.
Best Motorcycle Insurance For Young Riders
Updated: April 20, 2025
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Key Takeaways
The best and cheapest national motorcycle insurance provider for young riders is Progressive who has annual rates of $614 for full coverage and $193 for minimum coverage.
Where available, Shelter Insurance is the lowest cost minimum liability motorcycle insurance provider for young drivers with rates starting as low as $36 per year.
To get the most affordable rates for young riders under 25, compare plenty of motorcycle insurance quotes, choose to ride a beginner bike, join a family policy and get a formal motorcycle license.
Best Cheap Motorcycle Insurance For Young Riders 25 and Under
Provider | MG Score (Out of 100) | Median Monthly Rate |
|---|---|---|
Progressive | 94 | $34 |
Shelter Insurance | 91 | $33 |
Geico | 87 | $57 |
Dairyland | 86 | $58 |
Harley Davidson | 83 | $69 |
*Rates are combined full and liability only coverage rates for a rider with no driving violations who drives a 2023 Honda CRF450RL between the ages of 16-25. This ensures our recommendation is for the cheapest and best overall provider, regardless of coverage choice. Only Geico and Progressive averages include 16 and 17-year-olds while the rest of the companies only offer coverage to those 18 and up.
Cheapest Minimum Liability Motorcycle Insurance For Young Riders
While not available in all states, Shelter Insurance by far offers the lowest minimum liability motorcycle insurance at an average of $7 per month. However, if you are not in their service area, Progressive is the most affordable option nationwide.
Cheapest Provider | Average Monthly Rate | Average Annual Rate |
|---|---|---|
Shelter Insurance | $7 | $90 |
Progressive | $16 | $193 |
Geico | $24 | $287 |
Dairyland | $25 | $298 |
Markel | $27 | $321 |
Cheapest Full Coverage Motorcycle Insurance For Young Riders
With rates that are 41% lower than the young rider average, Progressive is the cheapest full coverage motorcycle insurance provider for those 25 and under. However, we also recommend reaching out to shelter Insurance and Geico for affordable comprehensive coverage policies.
Cheapest Provider | Average Monthly Rate | Average Annual Rate |
|---|---|---|
Progressive | $51 | $614 |
Shelter Insurance | $59 | $707 |
Geico | $90 | $1,079 |
Dairyland | $91 | $1,087 |
Harley Davidson | $104 | $1,245 |
Cheapest Motorcycle Insurance For Young Riders By State
While we've provided overall national costs above, rates vary widely depending on the state you reside in. So below, we've summarized the cheapest companies for young motorcycle riders and their lowest premiums offered:
State | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Alabama | Progressive | $13 |
Alaska | Progressive | $13 |
Arizona | Progressive | $13 |
Arkansas | Shelter Insurance | $8 |
California | Progressive | $17 |
Colorado | Shelter Insurance | $5 |
Connecticut | Progressive | $19 |
Delaware | Harley Davidson | $25 |
Florida | Progressive | $13 |
Georgia | Progressive | $13 |
Hawaii | Progressive | $17 |
Idaho | Progressive | $13 |
Illinois | Progressive | $20 |
Indiana | Shelter Insurance | $5 |
Iowa | Shelter Insurance | $3 |
Kansas | Progressive | $13 |
Kentucky | Shelter Insurance | $6 |
Louisiana | Dairyland | $11 |
Maine | Progressive | $18 |
Maryland | Progressive | $18 |
Massachusetts | Progressive | $13 |
Michigan | Dairyland | $28 |
Minnesota | Progressive | $13 |
Mississippi | Shelter Insurance | $6 |
Missouri | Shelter Insurance | $7 |
Montana | Progressive | $13 |
Nebraska | Shelter Insurance | $5 |
Nevada | Progressive | $13 |
New Hampshire | Progressive | $19 |
New Jersey | Progressive | $18 |
New Mexico | Progressive | $13 |
New York | Progressive | $13 |
North Carolina | Progressive | $11 |
North Dakota | Progressive | $13 |
Ohio | Shelter Insurance | $5 |
Oklahoma | Shelter Insurance | $7 |
Oregon | Progressive | $17 |
Pennsylvania | Dairyland | $13 |
Rhode Island | Progressive | $13 |
South Carolina | Progressive | $13 |
South Dakota | Progressive | $13 |
Tennessee | Shelter Insurance | $3 |
Texas | Dairyland | $14 |
Utah | Progressive | $13 |
Vermont | Progressive | $14 |
Virginia | Progressive | $23 |
Washington | Progressive | $13 |
Washington D.C. | Progressive | $22 |
West Virginia | Geico | $15 |
Wisconsin | Harley Davidson | $13 |
Wyoming | Progressive | $13 |
Cheapest Motorcycle Insurance For Young Riders By Age
Nationally, you can save the most money on 21-year-old motorcycle insurance with Progressive, who provides savings of 42% for minimum coverage and 40% 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.
How Much Is Motorcycle Insurance For Young Riders?
On average, motorcycle insurance for young riders costs around $290 per year for minimum coverage and $1,048 annually for full coverage. In other words, young riders 25 and under pay 88% more for basic liability coverage and 84% for full coverage plans.
Average Motorcycle Insurance Cost For Young Riders by State
Below you can review more specific on how much motorcycle insurance costs for young riders in your state.
State | Average Annual Minimum Coverage Rate | Average Annual Full Coverage Rate |
|---|---|---|
Alabama | $725 | $725 |
Alaska | $413 | $413 |
Arizona | $1,930 | $1,930 |
Arkansas | $1,214 | $1,214 |
California | $1,460 | $1,460 |
Colorado | $1,017 | $1,017 |
Connecticut | $1,158 | $1,158 |
Delaware | $1,024 | $1,024 |
Florida | $1,217 | $1,217 |
Georgia | $1,354 | $1,354 |
Hawaii | $801 | $801 |
Idaho | $487 | $487 |
Illinois | $1,623 | $1,623 |
Indiana | $1,318 | $1,318 |
Iowa | $628 | $628 |
Kansas | $818 | $818 |
Kentucky | $983 | $983 |
Louisiana | $1,723 | $1,723 |
Maine | $524 | $524 |
Maryland | $1,138 | $1,138 |
Massachusetts | $1,769 | $1,769 |
Michigan | $1,708 | $1,708 |
Minnesota | $805 | $805 |
Mississippi | $1,157 | $1,157 |
Missouri | $1,114 | $1,114 |
Montana | $296 | $296 |
Nebraska | $641 | $641 |
Nevada | $1,517 | $1,517 |
New Hampshire | $974 | $974 |
New Jersey | $1,357 | $1,357 |
New Mexico | $1,284 | $1,284 |
New York | $668 | $668 |
North Carolina | $657 | $657 |
North Dakota | $377 | $377 |
Ohio | $836 | $836 |
Oklahoma | $966 | $966 |
Oregon | $1,486 | $1,486 |
Pennsylvania | $1,128 | $1,128 |
Rhode Island | $790 | $790 |
South Carolina | $978 | $978 |
South Dakota | $551 | $551 |
Tennessee | $1,096 | $1,096 |
Texas | $1,568 | $1,568 |
Utah | $1,168 | $1,168 |
Vermont | $440 | $440 |
Virginia | $1,287 | $1,287 |
Washington | $642 | $642 |
Washington D.C. | $1,568 | $1,568 |
West Virginia | $635 | $635 |
Wisconsin | $666 | $666 |
Wyoming | $556 | $556 |
How To Save on Motorcycle Insurance For Young Riders
While insurance tends to be more expensive for young riders, there are still ways to help you save. So below, we'll outline a complete list of methods that will help you get the best deal possible:
- 1
Compare Quotes
The easiest way to save on motorcycle insurance is to compare quotes with multiple companies for the same coverage. This can allow you to save up to 41% on full coverage and 69% for minimum coverage.
- 2
Choose A Lower Value Bike To Insure
Especially for full coverage policies, choosing a more basic or beginner bike can get you much lower motorcycle insurance premiums. This is due to the lower costss associated with replacing or repairing the vehicle if it gets damaged. Non-sport bikes are also considered less risky due to lower rates of speeding typically associated with them.
- 3
Take Advantage of Discounts
Look for discounts associated with memberships, paying in full and military affiliation that are present with most insurers to save. Staying on your family policy or bundling also gives you the benefit of lower rates overall.
- 4
Consider Liability-Only Coverage
If you're not required, minimum liability coverage is the cheapest possible option if you're willing to assume the risk. This option saves you money by eliminating the cost of insuring damages to your bike.
- 5
Get a Motorcycle License
While just getting an endorsement is easier than getting a formal license, you'll save more overall if you get one. From our research we found that getting an official motorcycle license can save you 8% more than just an endorsement.
Best Motorcycle Insurance For Beginners: Bottom Line
While young drivers have rates that are at least 84% 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 coverage pricing on your motorcycle.
Best Motorcycle Insurance Under 25: FAQ
Our experts answered some common frequently asked questions about motorcycle insurance for young and first-time riders:
Who offers the best motorcycle insurance for young riders?
Progressive earned our title for the Best motorcycle insurance for young riders with a score of 94 out 100 points. The company offers the most affordable full coverage, 2nd most affordable liability coverage, and had the best overall customer experience and coverage scores in our study.
Who has the cheapest motorcycle insurance cost for a young riders?
MoneyGeek found that Progressive has the lowest motorcycle insurance rates for young drivers overall. However, premiums can vary widely from state to state. Be sure to get multiple quotes to make sure you’re getting the lowest rates available.
How much does motorcycle insurance cost for first-time riders?
According to our research, the average young rider pays $290 per year for liability-only motorcycle insurance and $1,048 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.
How We Determined The Best Motorcycle Insurance For Young Riders
Our scoring methodology for the best motorcycle insurance for young riders is the following:
- Affordability (60% of Score): This score was used to judge overall affordability for 16–25-year-olds compared to the national average and competitors.
- Customer Experience (30% of Score): We used customer experiences across rating forums, websites like Reddit and industry studies from J.D. Power to judge how good customer experience was for motorcycle insurance.
- Coverage (10% of Score): Coverage scores from our team judge the extensiveness of coverage options vs. the average, how much coverage you can select for within add-ons, and availability by state.
MoneyGeek calculated the sample rates on this page by gathering quotes for a 16–25-year-olds 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:
- $100,000 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.