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Although your age doesn’t impact motorcycle insurance availability, it is a factor in considering how much you’ll pay each month. If you want to find ways to save on this cost, all young riders must research discounts and take advantage of as many of them as possible.

Rates are higher for 21-year-olds because they are seen as a higher risk than older drivers, even though the costs are cheaper for them than the average teen. Whether you’re on a policy by yourself or stay with your parents, the prices will only normalize once you reach age 25 with a clean driving record.

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In the United States, a 21-year-old motorcyclist can expect to pay anywhere from $450 to $1,200 for insurance per year.

What Can I Do to Cut Costs as a 21-Year-Old?

Several discount opportunities are available for young riders, but some savings options are tied to life events. Some insurers may not offer all the following options, so ask questions when requesting a quote to ensure you get the best rate.

1. Getting Married

Riders who get married at 21 can see a significant drop in their motorcycle insurance rates. It depends on several factors, including your driving record, but it could be as much as 20%. You’ll need to update your policy information to include your spouse.

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2. Buy a Home

Owning property makes you eligible for more motorcycle insurance discounts. This action lowers risk factors in the insurer’s view while offering more options to bundle policies. If you use the same company for homeowner’s and motorcycle coverage, a multi-policy discount could be 10% or more.

Own several motorcycles? Here’s how to take advantage when buying insurance from the same provider.

Homeowners typically receive lower rates than those who rent because they’re seen as having more financial stability.

3. Find a Roommate

Many motorcycle insurance companies assume roommates allow each other to use their bikes. This additional risk must be covered when considering a policy quote. All parties need to be listed, so if you live with someone that doesn’t have an endorsement, have them excluded in writing to save on your costs.

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Some insurers allow you to verbally declare that none of your roommates will use the motorcycle. Others might request documentation that shows they have insurance coverage to use.

4. Defensive Driving Course

Some insurance companies lower rates by 20% when riders complete a defensive driving course while training on a motorcycle. The curriculum should come from a state-approved provider to ensure you receive proper credit for this discount.

5. Good Grades

If you’re a 21-year-old enrolled in a college or university program, your GPA could become a discount opportunity for your motorcycle insurance. Full-time students with a 3.0 GPA often qualify for a good student discount. Those who make the honor roll or Dean’s list are considered less risky than those with lower grades.

When you combine this discount with others geared toward young motorcyclists, the savings often reach up to 25% of the total policy cost.

6. Safety Features

Some motorcycles have safety features, such as anti-lock brakes, that reduce the insurance costs of young riders. Anti-theft devices and driver aids are typically included. If you ride a bike with numerous custom mods, you must list them and provide a valuation estimate to ensure your quote is accurate.

Motorcycle discounts are available for all riders, but they might not automatically apply when requesting a quote. Some options, such as getting married, might not be the right step for everyone, but there are a few significant savings opportunities to find. Take the appropriate actions to qualify, then enjoy the lower monthly premiums.

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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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