I've heard from several sources that..
Stop right there. I'll make some assumptions.
1. You have a computer
2. You have internet access
3. You can use Google.
You will find stuff like this:
The stats in all countries is about the same.
Insurance is about gambling. Insurance companies hire actuaries -these guys go through the toughest math programs in universities to tell insurance companies how to use stats to place their bets on who will win or lose.
The deaths of riders over 45 increased more than any other age group from 2013. Those numbers are still pointless when you factor in how many riders there are registered in each age group.
Then there is this...
All that graph tells you is that riders are getting older, and new young riders are getting rare. Who cares about deaths, deaths costs little to insurance companies. Younger riders finance bikes and need to carry collision insurance and comprehensive to secure the loans -and when they crash, they make more claims, which cost more money, and they ride SS bikes, which are stolen more. That's the nonfatal injury rate that costs money, as well as fatalities because after a death, the bank still wants its money for the bike.
As for the over 45 death rates, this graph fully explains why:
http://www.statista.com/statistics/252210/market-share-of-major-motorcycle-manufacturers-in-the-us/
As long as Harley Davidson has a 65% market share, more older riders are going to get killed.
As for new riders 18-25, costs are prohibitive, but you also have to factor in that this generation is the least active generation in human history. The fattest, the least likely to engage in any activity besides video games and internet "Surfing". They aren't buying bikes, they aren't buying cars, they aren't actually surfing, they have no money and what they have, they spend on electronics.
The message through parents and the media is to be afraid of anything and everything and sit in on the couch playing GTAV, where you can live an exciting life in simulation. It's just sad.