Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • On average, life insurance for cyclists costs $24.64 per month at the standard rating tier
  • Many cyclists qualify for the preferred or preferred plus rating tier because cycling leads to better overall health
  • Age, medical history, and other lifestyle habits also impact life insurance quotes for cyclists

Cycling regularly leads to better overall health. Therefore life insurance for cyclists can cost less than average.

Keep reading to learn how much cyclists pay for life insurance on average, what policy options are available to you, and discover how you can secure the most affordable life insurance quotes for cyclists.

Find the best life insurance company for cyclists in your area by entering your ZIP code into our free quote tool above.

What are the life insurance rates for cyclists?

When applying for life insurance coverage, you’re often subject to a medical exam or questionnaire. A life insurance underwriter places you into a rating tier based on your examination.

Those in average health with few medical concerns are placed in the standard category and pay what is known as the base rate.

However, people who cycle regularly usually are in better than average health.

Therefore, cyclists often secure standard plus, preferred, or even preferred plus premiums, all of which are slightly cheaper than the standard rate.

We’ve compiled a list of the average monthly rates a healthy 35-year-old of any gender pays for a 20-year term policy with a $500,000 death benefit at the relevant rating tiers for cyclists.

Check it out 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
Standard plus$21.19
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Assuming you’re in good overall health and do not smoke, you’ll have an easy time securing affordable life insurance for cyclists.

On the other hand, cycling insurance protects you from accidents while biking and is separate and different from life insurance.

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What is the best life insurance policy for cyclists?

If you cycle regularly, you can usually qualify for any traditional life insurance. The best types of policies include whole and term policies.

Term life insurance quotes are more affordable but only last a set number of years.

You must renew the policy after the term ends, and your updated rate will reflect your age and any new health conditions.

Whole life insurance lasts the duration of your lifetime, as long as you pay the premiums. This type of coverage can be more expensive.

Whatever policy you choose, be sure you also compare life insurance rates for cyclists online from multiple providers to secure your lowest possible prices.

Why does cycling impact your life insurance rates?

Life insurance underwriters evaluate your health and lifestyle habits to determine how risky you are to insure.

Fortunately, cycling is a very healthy activity. Statistically, people who cycle regularly experience fewer medical issues than those who don’t.

Studies show that cycling improves your overall cardiovascular health.

Biking can reduce your risk of having a heart attack, developing type 2 diabetes, or suffering from hypertension. All of these conditions make qualifying for life insurance difficult, if not impossible.

However, biking has some risks, especially if you go on public roads. According to the Centers for Disease Control and Prevention (CDC), over 1,000 cyclists died, and almost 467,000 people were injured.

To reduce your risks while cycling on the streets, always wear a helmet, invest in fluorescent and retro-reflective clothing, and install lights on the front and back of your bicycle.

Technically, cycling does not guarantee standard plus, preferred, or preferred plus life insurance rates.

However, the byproduct of cycling regularly helps increase your chances.

Life Insurance for Cyclists: The Bottom Line

Overall, life insurance quotes for cyclists tend to be cheaper than average because cycling improves your overall health.

Healthier individuals have an easier time securing the best life insurance premiums.

You can compare and buy life insurance for cyclists right now by entering your ZIP code into our free quote tool below.