Can you buy your own motorcycle at 16?
Buying versus riding
Buying a motorcycle and riding one are governed by different rules. Sellers and dealers often require an adult to co-sign or sign the sales contract, because contracts signed by minors can be challenged in some places. Ask the seller what paperwork they accept before you travel to see the bike.
Riding on public roads is controlled by the licensing agency. Many U.S. states issue a motorcycle learner's permit at a younger age than a full license, and they often require a knowledge test and sometimes a skills course.
- Adult co-signer or guardian for the sale
- Valid permit or license to ride on roads
- Insurance in place before riding
- Registration and title transfer completed
What a parent usually needs to do
A parent or guardian often needs a valid ID, proof of residence and the sales paperwork. They may also need to put the bike and any insurance policy in their own name, depending on local rules. Some sellers will not release a bike to a minor without an adult present.
Insurance for a teen rider can cost more than for an adult, and rates vary widely by age, location, bike size and driving history. Get quotes before you commit to a purchase.
Riding rules for teens
Many places set limits on engine size, passengers or riding hours for younger riders. Some require a rider to complete an approved safety course before receiving a full endorsement. Check your state's motor vehicle agency or your country's licensing office for the current ages and requirements.
A safety course is a practical starting point even where it is not required. It teaches braking, cornering and emergency maneuvers that are hard to learn alone.
Common mistakes
- Assuming that buying a bike at 16 means you can legally ride it on the road.
- Paying a deposit before confirming that the seller will release the bike to a minor.
