Most states refuse to issue motorcycle licenses to minors who have yet to turn 16. This widespread restriction exists for several reasons. First, few states permit unsupervised minors to operate a motor vehicle before turning 16. In this light, it might be dubious for state governments to permit individuals who have yet to turn 16 to use street-legal motorcycles. In addition, teenagers are far more likely than adults to become involved in serious accidents. In order to avoid a spike in potentially fatal accidents, most state governments have chosen to deny ridership eligibility for individuals who have yet to turn 16.
If you're 16 years old and wonder whether you can afford motorcycle insurance, you'll need to spend some time researching your options. Ultimately, the annual cost of your insurance coverage will hinge on a wide range of factors. However, you should expect to pay more for your coverage than most older riders. This is because young motorcycle riders tend to be riskier than their more experienced peers. Even if you're extremely careful on your bike, many insurers simply won't feel comfortable with the statistical risk that you present. If you wish to obtain coverage from these insurers, you must be prepared to pay for it.
There's no hard-and-fast means of estimating the cost of a motorcycle insurance policy for a 16-year-old. However, you should expect to pay at least double the rate that an experienced motorcyclist pays for a similar policy. If a 30-year-old motorcyclist pays $700 per year for a solid insurance plan, you'll probably be asked to pay $1,400 or more for a similar plan.
If this sounds like an exorbitant risk premium, you may wish to obtain a cheaper policy that lacks certain types of coverage. On a bare-bones policy that costs a normal rider just $300 per year, your "teenage" rate might be $600. Although that's fairly expensive for a low-coverage policy, you might be able to afford it.
After all, you'll only need to pay a premium for your insurance for several years. Once you turn 20, your policy's premiums will begin to decline with each successive renewal. By the time you turn 25, your motorcycle insurance costs will probably be near or below the national average. It's important to note that you'll have some control over the ongoing cost of your coverage. If you avoid accidents and moving violations, your rates could fall at a rapid clip.