How Does Age Impact the Insurance on a Motorcycle Cost?
When shopping for motorcycle coverage, one of the biggest factors that determine your premium is your age . Insurance companies analyze thousands of data points to predict risk, and age is one of the most telling indicators of how likely a rider is to file a claim. Whether you’re a brand-new rider or have decades of experience, your age can dramatically shape the insurance on a motorcycle cost you pay each year. In 2025, motorcycle insurers continue to rely heavily on age-based risk modeling, but the good news is that understanding how age affects your rate can help you manage costs more effectively. 1. Younger Riders Pay the Highest Premiums For insurance companies, riders under the age of 25 represent the highest-risk group . Statistically, young riders have less experience, a higher tendency to take risks, and a greater likelihood of being involved in an accident. As a result, insurers often charge significantly more to cover them. A 20-year-old male ...