Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 26, 2021

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The Brief

  • On average, life insurance for cyclists costs $24.64 per month
  • Because cycling improves your health, you might qualify for cheaper standard plus, preferred, or preferred plus rating tiers
  • Your age, gender, medical record, and current health status also impact life insurance costs for cyclists

Life insurance for cyclists costs $24.64 per month on average at the standard rating tier. However, because of the health benefits associated with regular exercise, often life insurance rates for cyclists are even cheaper.

Keep reading to compare sample life insurance rates and learn why bicycling can help you qualify for standard plus, preferred, or preferred plus premiums.

Find the best life insurance company for cyclists near you by entering your ZIP code into our free rate tool above.

What are the life insurance rates for cyclists?

Most adults in average health earn the standard or base life insurance rates.

However, because cycling improves your health, many people who bike regularly qualify for even cheaper standard plus, preferred, or preferred plus premiums.

The table below compares 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 rating tiers relevant to cyclists.

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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Cyclists usually have no issue qualifying for both term life insurance and whole life insurance. If you’re in otherwise good health, you’ll quickly secure affordable life insurance quotes for cyclists.

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Why does cycling impact your life insurance rates?

Providers calculate life insurance rates based on your overall risk, but cycling helps reduce health risks that often cause insurance rates to increase.

Statistically, people who cycle regularly have a reduced risk of cardiovascular disease, Type 2 diabetes, and hypertension.

However, there are some other dangers associated with biking.

According to the Centers for Disease Control and Prevention (CDC), in 2015, over 1,000 cyclists died, and 467,000 more were injured in accidents on public roads.

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

You might also consider investing in cycling insurance to protect yourself from accidents when driving alongside motor vehicles.

While cycling doesn’t guarantee standard plus, preferred, or preferred plus rates, the health benefits associated with biking do increase your chances.

Life Insurance for Cyclists: The Bottom Line

Fortunately, you can buy life insurance for cyclists without breaking the bank.

Cycling improves your physical fitness, and people in good health often have an easier time securing the cheapest life insurance prices.

Compare affordable life insurance for cyclists right now by entering your ZIP code into our free quote tool below.