We discovered that the total annual cost of motorcycle insurance for 18-year-olds is $998, or around $83 per month.

Although companies use age to calculate motorcycle insurance rates, other factors, such as where you live, contribute to the average cost of motorcycle insurance. The average cost of motorcycle insurancefor 18-year-old riders in the country's largest cities is depicted below. Despite the fact that we requested the same coverage for the same motorcycle, we discovered that premiums would differ by up to $700 a year.

Your gender may also have a small impact on the cost of motorcycle insurance. Typically, insurers quote the same or almost the same number to all genders. We discovered that the average cost of motorcycle insurance for an 18-year-old male is $928 a year, which is just around $11 less than coverage for an 18-year-old female.

As seen in the table below, most insurers provide comparable motorcycle insurance rates to men and women. Dairyland has the greatest gender disparity, with a 4% difference between average quoted prices for men and women.

Although motorcycle insurance for 18-year-olds is usually costly, there are a few ways to save money on motorcycle insurance. Some of the most straightforward ways to reduce the cost of your motorcycle insurance are to compare rates, take advantage of discounts, and buy the policy from your parents.

Rates from various insurers should be compared.

We suggest comparing the prices of motorcycle insurance provided by various firms. The cost of motorcycle insurance can vary greatly depending on the insurer.

The difference between the lowest and highest prices for 18-year-old motorcycle riders, according to our quote results, is $789 per year for males and $849 per year for females.

Taking advantage of discounts

Motorcycle insurance providers also give incentives to more seasoned riders or policyholders renewing their coverage, rendering these discounts unavailable to 18-year-olds. However, there are several discounts available to even young riders, including:

• Requesting a quote a few days before the start date of your policy

• Enrolling in automated payments

• Completing a safety training course

• You must have a valid motorcycle endorsement on your driver's license.

• Having anti-lock braking or an anti-theft system on your bike

• Participating in certain school-related groups

Get insurance from your parents.

If your parents already have car insurance, consider asking them to add motorcycle insurance to their policy with their new insurer. When opposed to the cost of a standalone scheme, this is a more cost-effective option for 18-year-old drivers.

Because of the value of a package discount for insuring multiple cars, your parents' insurance premiums are likely to be lower than yours. If your parents own a house, they might be eligible for an extra discount. This path, however, necessitates that your parents have a clean driving record.