Life Insurance for Cyclists (Discounts & Rates)

Life insurance for cyclists tends to be cheaper than average due to your healthy lifestyle choices. The average life insurance rates for cyclists is about $24.64 per month at the standard rating tier. However, many cyclists qualify for the preferred and preferred plus rating tiers, securing the cheapest possible premiums. Your quotes will vary based on your medical history, age, gender, and other lifestyle choices.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 9, 2021

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The Highlights

  • Life insurance for cyclists costs $24.64 per month on average at the standard rating tier
  • Because cycling regularly leads to improved health, many cyclists qualify for the preferred or preferred plus rating tier, earning the cheapest premiums
  • Medical histories, age, and other lifestyle habits also impact life insurance rates for cyclists

Cycling regularly leads to many different health benefits. Therefore, life insurance for cyclists sometimes costs less than average.

Below, discover how much cyclists pay for life insurance, what policy options are available to you, and learn how to secure your best life insurance quotes for cyclists.

When you’re ready to buy life insurance for cyclists, enter your ZIP code into our free tool above to receive and compare rates immediately.

What are the life insurance rates for cyclists?

When applying for life insurance, you’re commonly subject to a medical exam or questionnaire. A life insurance underwriter then places you into a rating tier based on your medical history, age, and lifestyle habits.

People in average health are placed in the standard rating tier and pay the base life insurance premiums. However, cyclists are often in better than average health.

Therefore, cyclists have a good chance of securing the more affordable standard plus, preferred, or even preferred plus life insurance costs.

We’ve compiled the average monthly rates healthy 35-year-olds pay for a 20-year term life insurance policy with a $500,000 death benefit at the relevant rating tiers for cyclists.

Compare the costs in the table below.

Average Monthly Life Insurance Rates for Cyclists by Rating Tier
Rating TierAverage Monthly Life Insurance Rates for Cyclists
Preferred plus$12.32
Preferred$15.52
Standard plus$21.19
Standard$24.64
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As you can see, you’ll quickly secure affordable life insurance for cyclists.

Cycling insurance, however, is different and separate from life insurance. It protects you and your assets while biking on the roads.

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What is the best life insurance policy for cyclists?

Cyclists usually qualify for any traditional life insurance policy that best fits their unique needs.

Term life insurance tends to be cheap but lasts only a set number of years. You must renew the policy at the end of its term to maintain coverage.

However, the renewal rates will reflect your age and any newly developed health issues.

Whole life insurance costs more but lasts for your entire lifetime as long you pay the premiums.

No matter what type of coverage you choose, compare life insurance rates for cyclists online from multiple providers to secure your most affordable prices.

Why does cycling impact your life insurance rates?

Life insurance underwriters look at your medical history when determining your rates. If the underwriter finds anything concerning, it will impact your rating tier.

What health conditions affect life insurance costs? Heart disease, hypertension, obesity, and more.

Fortunately, cycling helps improve your overall cardiovascular health.

Research suggests biking can prevent high blood pressure, obesity, and type 2 diabetes. People who cycle regularly are also less likely to suffer from heart attacks.

Experiencing any of these conditions can put you into a substandard rating tier or even lead to denial of coverage.

However, there are some risks involved with cycling on public roads.

According to the Centers for Disease Control and Prevention (CDC), cycling accounts for only 1 percent of all trips, but bikers face a higher risk of crash-related injury or death.

Always wear a helmet and utilize fluorescent and retro-reflective clothing whenever you ride on public roads.

Install lights on the front and rear of your bicycle for greater visibility.

Ultimately, there is no guarantee that cycling will directly lead to standard plus, preferred, or preferred plus life insurance rates.

But the byproduct of frequent cycling does increase your chances.

Life Insurance for Cyclists: The Bottom Line

Overall, cyclists are at an advantage when qualifying for cheaper life insurance rates from the best insurance companies.

Biking regularly leads to more excellent health. The healthier you prove to be on your life insurance application, the better your rates will be.

Find the best life insurance company for cyclists in your area by entering your ZIP code into our free quote tool below and immediately start shopping.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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