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Table of Contents<\/p>\nToggle<\/span>

Why Young Riders Pay So Much for Motorcycle Insurance<\/a>

How to Get the Cheapest Motorcycle Insurance as Young Rider<\/a>

Is Cheapest Insurance Enough Coverage for Young Riders?<\/a>

FAQs – Cheap Motorcycle Insurance for Young Riders<\/a>

Will motorcycle insurance rates drop after age 25?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n

<\/span>Cheapest Motorcycle Insurance for Young Riders<\/strong><\/span><\/h2>\n
$\"Cheapest$ <\/p>\n
Zooming down an open highway on two wheels gives a sense of freedom and adrenaline that no four-wheeled cage can replicate. But the joyrides of a young motorcyclist revving up to ride come with increased risk and insurance costs. Premiums can be brutally expensive for younger riders lacking experience records to earn discounts.<\/a><\/p>\n
What\u2019s the cheapest way to score motorcycle insurance as a youthful thrill seeker? Let\u2019s explore the low cost options to keep you legal while chasing excitement on the roads.<\/p>\n
<\/span>Typical Motorcycle Insurance Rates for Young Riders<\/span><\/h2>\n
Unlike other vehicles, a motorcycle premium sees drastic surges based primarily on the age and expertise of its pilot<\/strong> rather than just coverage amounts. Prices plateau once a longer history gets established. But insurers charge giant risk premiums in early years expecting mistakes.<\/p>\n
On average nationwide, motorcycle insurance<\/a> yearly costs for young riders fall in these ranges:<\/p>\n\n\n\n\n\n\n\n
Driver Age<\/th>\n Yearly Premium Range<\/th>\n<\/tr>\n<\/thead>\n
16-18 years<\/td>\n $2000+<\/td>\n<\/tr>\n
19-20 years<\/td>\n $1500-$2500<\/td>\n<\/tr>\n
21-24 years<\/td>\n $1000-$2000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
Compare that to middle-age riders averaging just $500-800 per year<\/strong> for similar bike styles and coverage limits! Location and driving records move the needle too, but age remains the dominant rate factor for motorcycles.<\/p>\n
Let’s examine why youth correlates so strongly with premium prices in the motorcycle insurance realm.<\/p>\n
<\/span>Why Young Riders Pay So Much for Motorcycle Insurance<\/span><\/h2>\n
Actuarial tables don\u2019t lie – certain risk factors provably increase changes of accidents and insurance claims. Data clearly shows young riders on fast bikes crash substantially more often than middle age riders, costing insurance companies piles of cash.<\/p>\n
<\/span>1. Lack of Experience at High Speeds<\/span><\/h3>\n
Controlling a nimble motorcycle is very different from a bulky car, especially at 75+ MPH speeds. Subtle leans and weight transfers keep stability. Newbies struggle gauging those motions resulting in wrecks. Insurance charges high premiums expecting beginner errors until skill improves.<\/p>