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You likely need motorcycle insurance to enjoy riding activities unless you live in Florida. Some exceptions apply, like driving on private property, but most riders benefit from a policy’s financial protections.

Young riders can find it challenging to locate an affordable policy. When you work with the best insurance companies for 18-year-olds, you’ll have several options to consider when requesting a quote.

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What Are the Best Insurance Companies for 18-Year-Olds?

Motorcycle insurance offers a similar protective process as automotive coverage. It delivers financial protection against lawsuits filed against you if you’re at fault for an accident that causes injuries or damage.

Some policies cover losses due to vandalism, theft, and natural disasters. Liability coverage must meet state minimums when coverage is required by law. At the same time, collision and comprehensive insurance have deductibles to meet before a payout occurs.


When choosing GEICO for your motorcycle insurance as an 18-year-old, the make and model are important considerations. This provider does exclude some bike types. Here are the options that do receive coverage.

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You receive standard protections, accessories coverage, and roadside assistance. The maximum limits are lower than other insurers (accessories are $20k), and fewer add-ons are available compared to other providers.

  • Founded: 1936
  • Market Share: 12.5%
  • Availability: All 50 States, including the Washington D.C.
  • J.D. Power Customer Satisfaction Score: 847/1000
  • A.M. Best Financial Strength Rating: A++

2. Progressive

Progressive offers accident forgiveness benefits on policies for 18-year-olds. Your rates will remain unchanged if the claim costs less than $500. Options are available for OEM parts and accessories, and the policy covers the full replacement cost of your carry-ons.

Young riders receive a diminishing deductible for collision and comprehensive needs, making a good driving record valuable.

Progressive offers only three discounts, and some are only available in some states.

  • Founded: 1937
  • Market Share: 14.2%
  • Availability: All 50 States, including the Washington D.C.
  • J.D. Power Customer Satisfaction Score: 820/1000
  • A.M. Best Financial Strength Rating: A+

3. Allstate

This provider offers insurance options for scooters, motorcycles, and trikes, but other types could be excluded. Outside of all the regular coverage solutions you’ll find, Allstate has a gap and lease policy that covers the difference between replacing a new model and the loan or lease difference on the previous one.

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You receive $1,000 in accessories coverage with a standard policy. Eligible young riders can also have waivers for a first accident.

The insurance options won’t cover your needs if you ride an antique motorcycle. Another issue for some riders is that the policy only approves aftermarket parts.

  • Founded: 1931
  • Market Share: 9%
  • Availability: All 50 States.
  • J.D. Power Customer Satisfaction Score: 816/1000
  • A.M. Best Financial Strength Rating: A+

4. Markel

Although this motorcycle insurance provider doesn’t offer policies in every state, it does deliver a complete protection package to review for those who qualify. Young riders receive $1,000 in accessories coverage with collision and comprehensive, plus additional options for trailers and rental reimbursement.

Markel covers mechanical breakdowns for motorcycles if they occur unrelated to an accident. This benefit provides some peace of mind when it is needed the most.

  • Founded: 1980
  • Market Share:
  • Availability: All 50 States
  • J.D. Power Customer Satisfaction Score: N/A
  • A.M. Best Financial Strength Rating: A

5. Dairyland

If you’re part of a Harley Owners Group, you can receive a specific insurance discount when underwriting a policy with this provider. Although it isn’t available in all states, you receive OEM parts replacement as an add-on and can opt for full replacement cost coverage.

Dairyland offers fewer discounts than other insurers, but the rates are often more competitive for young drivers. There isn’t any online claims processing, so you’ll need to be prepared to work over the phone or in person to resolve issues.

  • Founded: 1953
  • Market Share:
  • Availability: All States, excluding Alaska and Hawaii
  • J.D. Power Customer Satisfaction Score: N/A
  • A.M. Best Financial Strength Rating: A+

6. Farmers/ Foremost

This provider simplifies the motorcycle insurance quote process. Young riders can select from three pre-packaged plans that offer some customization. Each delivers options for vintage and custom bikes.

Farmers does not sell motorcycle insurance policies online, so you must contact a local agent.

Many policies offer first-accident forgiveness for 18-year-olds, and you have track-day options to consider for those who ride competitively. If you transport your motorcycle with a trailer, additional choices are available.

  • Founded: 1928
  • Market Share: 4.2%
  • Availability: All States, excluding Massachusetts and Hawaii
  • J.D. Power Customer Satisfaction Score: 828/1000
  • A.M. Best Financial Strength Rating: A

How to Find the Best Policy for Young Riders?

The following options can help 18-year-olds select an appropriate insurance policy and coverage amount for their riding needs.

Decide What Coverage to Get

Your motorcycle coverage depends on personal preferences and legal minimums. Most states in the US require riders to carry personal injury protection and property damage coverage. These items are often included in a liability category.

You can also add more insurance options that aren’t required, such as coverage for custom parts and upgrades.

Here are the steps to take to help you find the right motorcycle insurance policy when requesting a quote from today’s top providers.

  1. Understand what could be affecting your quote. Motorcycle insurance rates depend on several factors, including your ZIP code and the bike you ride. Even the miles you drive play a role.
  2. Use discounts to lower your premiums. If you’re a young rider and have had an accident, some insurance companies offer to reduce your policy cost if you complete and pass a motorcycle safety course.
  3. Bundling is only sometimes the best solution for motorcycle insurance. Some insurers offer better rates with individual policies. More about bundling offers here.
  4. Think about seasonal coverage if you live somewhere that makes it challenging to ride during the winter. This lay-up option lets you pause collision and liability coverage while keeping them active for when they’re needed again.

Most importantly, young riders should shop around for the best motorcycle insurance options from today’s best providers. You can find the best value for your current needs by comparing quotes.

That allows you to enjoy the open road without worrying about what might happen with your finances.

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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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