Age and riding experience play a major role in the cost of motorcycle insurance. As an 18 year old, motorcycle insurance can be very expensive — after all, most accidents occur between the first 6 months and 3 years of riding. Most major insurers will insure an 18 year old, but it is your responsibility to ensure that you don’t pay too much. At 18 Year Old Motorcycle Insurance, we specialize in helping teens and parents find rates on a policy they can afford, regardless of age. We have partnered with leading motorcycle insurers to allow you to compare policies, premium amounts, and discounts – online! Enter zip code to begin »
Getting Discounts
The best motorcycle insurance for 18 year old riders depends on a multitude of factors: make and model of bike, location, driving record, and state laws – among other things. The only way to find the right insurer, policy, and coverage amount is to compare your options. That said, there are several tried and true methods of reducing the cost of motorcycle insurance for 18 year olds.
- Attend an MSF Course: By far, graduating from a 2-day Motorcycle Safety Foundation course is the best way to reduce your insurance rates, learn life-long riding skills, and get to skip the “practical skills” portion of the DMV licensing process. Nearly every insurer provides a rate discount for completing an MSF school. To find an upcoming MSF course in your area, visit www.msf-usa.org.
- Do Well in School: Not just staying in school, but maintaining good grades can reduce the cost of insuring a motorcycle. Many parents use this as an incentive for high school kids who want a motorcycle. Maintain a certain GPA, qualify for a Good Student insurance discount, and owning a motorcycle as an 18 year old will be much more affordable.
- Stay Out of Trouble: Maintaining a clean driving record, as well as staying out of trouble with the law, is another way to ensure that your motorcycle insurance rates don’t climb too debilitating proportions. As you know, any speeding ticket or traffic violation can have a substantial impact on your rates – often costing you more per year than the cost of the citation itself.
