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Motorcycle Insurance For A 16 Year Old: Just Got A License

Motorcycle Insurance For A 16 Year Old: Just Got A License

If you are 16 years old and just got your motorcycle license, you are probably looking for a good insurance policy so that you stay protected and are meeting your state’s minimum requirements. The whole concept of insurance can seem tough to grasp at such a young age. Let’s face it, you just got your license and are looking forward to driving, but you probably don’t understand all the ins and outs of insurance – it is all a bunch of big words and seems more annoying than anything. However, once you take the time to learn and understand insurance, you’ll realize that it can really come in handy if you are ever involved in an accident.

Motorcycle Insurance for a 16 Year Old

There are many different aspects to consider as a 16 year old rider. You will want to know whether you can get covered under your parents’ policy, what type of coverage is recommended, and how to get coverage on your own (if necessary). You should also be aware of various discounts that you can apply to receive.

Recommended coverage

Liability-Only: One easy way to save money is by getting a basic liability policy or “liability-only.” This will help protect you and your assets if you end up being “at-fault” for an accident. This is pretty minimum coverage, but may be the only thing within your budget at 16.

Standard: If you ride your motorcycle frequently and can afford standard coverage, it is recommended. Standard protection includes more than just basic liability, but is still not as thorough as comprehensive coverage.

Note: Obviously if you will be riding an expensive or valuable cycle, you will want to get enhanced coverage. However, most people at this age are not riding sports bikes (e.g. “crotch rockets”) and don’t need comprehensive and collision coverage.

Covered by parents vs. your own policy

Parents Policy: If you have parents that operate any kind of motor vehicles, chances are good that they have insurance. Insurance is required to operate any kind of vehicle in most states. Many times, 16 year old drivers will get coverage under their parents policy. If you can bundle your coverage under the same policy as your parents, you will likely end up saving yourself money. Most insurance companies give discounts for families that insure all of their vehicles together.

Your Own Policy: If your parents want you to be independent and pay for things on your own, you may need to go out and get your own coverage. Fortunately you can use the free tools on this site to compare quotes and find an affordable rate. Choose coverage that meets your state’s minimum requirements at a price that you can afford to pay.

How to Get a Cheaper Rate at 16: Discounts

  • Drive safe: The biggest key at this age is to drive safe. Although you won’t get an immediate discount for driving safe, the more years you drive without a claim, the lower your rate will be. If you get into an accident at this age, your rate will skyrocket.  It’s way more difficult to get good coverage with a bad driving record.
  • Good grades: At this age, you are likely still in high school. Most insurance companies will give you additional savings for getting higher than a 3.0 GPA. So if you earn at least a “B” average, you can save yourself some extra cash.
  • Increase deductible: Your deductible is an amount that you are required to pay before a claim is processed. If you increase your deductible, your premiums will get lowered. However, if you take a low deductible, you will end up paying a significantly greater premium.
  • Safety classes: There are many safety classes available to people your age. These safety classes help new riders hone their riding skills and learn proper road safety and etiquette. Not only will they make you a safer rider, your insurance company will give you a discount on coverage.

Motorcycle Insurance Companies for 16 Year Old Riders

If you are only 16, your rate will be more expensive than an older rider. This is due to the fact that the younger you are, the more likely you are to get into an accident. However, just because you are categorized as being a “new rider” and relatively “risky” doesn’t mean you can’t get a pretty good deal on a policy. In order to find the best company for you, it is always smart to comparison shop.

To get started, simply enter your Zip Code into the box below or at the top of the page. This will generate a list of the top rated insurers based on your exact location. It is then up to you to get a quote from each one listed and compare the prices. Choose the company that offers the best coverage for the lowest price and you will be set to ride. Remember to always be safe, at the age of 16 it can be exciting to finally have the freedom to ride on your own!

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