Average Motorcycle Insurance Price for a 16-Year-Old – ValuePenguin

How much is moped insurance for a 16 year old

Video How much is moped insurance for a 16 year old

national offers the cheapest bike insurance quote for young drivers at $85 per month.

In addition to your age, insurance companies base motorcycle rates on your driving history, location, and the make and model of your motorcycle. Some major insurers don’t offer individual coverage to 16-year-old passengers, so you may want to consider sharing a policy with your parents.

how much does motorcycle insurance cost for a 16 year old?

Along with your age, your location can heavily influence how much you pay for motorcycle insurance. Motorcycle insurance for 16-year-old drivers in New York costs $722 per year, on average, while those living in California pay $1,786 per year, an annual difference of more than $1,000.

Where you live plays a big role in determining the cost of your insurance because companies consider factors like the number of accidents and vehicle theft statistics in your area.

how to find the best motorcycle insurance rates for 16 year olds

The price difference between insurers can be marked for 16-year-old cyclists. A policy costs $1,020 per year on average nationally, the cheapest company, while Allstate charges $1,561 per year for 16-year-olds, a difference of $541 per year.

Passengers who are 16 should also shop around for progressive quotes: At $1,116 per year, a policy is 9% cheaper than average.

Two of the nation’s largest motorcycle insurance companies, Geico and Dairyland, do not offer individual policies to 16-year-olds. That means you can only get coverage as an add-on to a parent’s policy, and teens whose parents don’t have auto insurance or who can’t stay on an adult’s policy might have to settle for more expensive motorcycle insurance.

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This makes it even more important for 16-year-old drivers to look for discounts when comparing motorcycle insurance quotes.

why is the average price of motorcycle insurance for 16 year olds so expensive?

In general, the cost of motorcycle insurance for young drivers is higher than the typical rates for older drivers. This is because insurers view inexperienced motorcyclists as more likely to engage in risky behavior.

It can be just as difficult for young drivers to find affordable car insurance. Compared to older drivers, 16-year-old drivers can pay thousands of dollars more per year for coverage. Fortunately, just like with motorcyclists, your insurance rates are likely to go down as you get older, as long as you don’t get a ticket or cause an accident.

scooter insurance for 16 year olds

Most companies do not offer separate scooter insurance. instead, insurers include scooters or mopeds under a normal motorcycle insurance policy. If you’re 16 years old and looking for insurance for a scooter or moped, you can get scooter insurance quotes the same way you would buy motorcycle insurance.


To find the cost of motorcycle insurance for 16 year olds, we collected statewide, national and progressive quotes in 5 states for a driver with a 2020 harley-davidson street 500.

rates are based on the following coverage limits or minimum requirements for each state, whichever is greater:

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