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Riding motorcycles exposes people to more risk factors than automobiles on today’s roads. That means everyone must take a cautious approach to be safe. Even a slight miscalculation could lead to a significant injury or worse.

Since 1975, highway safety statistics in the United States have shown how dangerous it can be to ride motorcycles.

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  • A motorcycle accident is 28 times more likely to include a fatality based on the total miles traveled for all vehicles in the country.
  • Motorcyclists are four times more likely to be injured during an accident.
  • Despite motorcycles representing just 3% of registered vehicles in the US, they are responsible for 14% of all traffic fatalities.
  • Most serious motorcycle accidents occur between June and September.
  • The number of riders killed increased by 11% in the latest statistics reports, representing 2020 data.

When the information was first tracked about motorcycle accidents and fatalities, riders under 18 had the highest risks, which is one of the most significant reasons such young people pay higher for insurance on average.

Although young riders still face significant concerns, the number of older rider deaths has risen from 3% of the total in 1975 to 27% in 2020.

Some Age Groups Have Higher Rates Than Seniors

When examining the demographic information about motorcycle fatalities in each age group, the numbers for those over 55 are significant.

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For riders between the ages of 15 to 20, there were 240 fatalities reported in 2020. In the 55 and over category, there were nearly 1,500.

As we break down the demographics into smaller age groups, we find that the most dangerous ages to be on a motorcycle are between the ages of 25 to 34. In the 25 to 29 group, there were 706 fatalities reported, while the 30 to 34 demographic segment had 690.

Why do motorcycle insurance companies charge higher rates to younger riders if older ones are experiencing more severe accidents?

Motorcycle Insurance Covers All Issues

Although young riders are less likely to be in a severe accident than adults above 55, this group tends to file more claims.

Motorcycle insurance covers multiple needs beyond liability. Younger riders are more likely to file claims for comprehensive- and collision-related issues, including damage to covered safety apparel.

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That means the easiest way to save money on your motorcycle insurance as a young rider is to choose a liability-only policy. You can take defensive driving courses, earn safety certificates, and pursue good grades for a student discount to lower costs even more.

Each insurer has different preferences, so it helps to receive multiple quotes before deciding on the policy that makes the most sense for your needs.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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