Horseback Riding Budget: How Much Does It Cost to Start?

For many, horseback riding is a dream, but it’s important to understand the real costs before getting started. Between lessons, equipment, insurance, and extra expenses, the budget can vary greatly depending on frequency and level of practice. This article provides a detailed estimate of the expenses for a beginner rider.

I. Riding Lessons: The Main Expense

1. Single lessons

Average price: €20 to €35 for a one-hour group lesson.
Perfect for testing the activity without commitment.

2. Packages or annual subscriptions

10-lesson card: €150 to €300 depending on the region and riding school.
Annual subscription (weekly lesson): €800 to €1,200.
Mandatory federation license (French Equestrian Federation): €36–38 for under 18s, €25 for adults (in addition to club membership).

3. Holiday camps

Price: €200 to €400 per week (intensive lessons, horse care, riding out).
Very useful for quick progress.

II. Rider’s Equipment

1. Safety essentials

Approved helmet: €40 to €120.
Boots or paddock boots + half chaps: €50 to €150.
Body protector (optional but recommended): €80 to €250.

2. Suitable clothing

Riding breeches: €30 to €80.
Gloves: €10 to €30.
Rain jacket / fleece (depending on season): €40 to €100.

💡 Tip: Many riding schools lend basic equipment to beginners, allowing you to invest gradually.

III. Horse Equipment (Optional at the Beginning)

1. If the rider uses a riding school horse

No additional expense: the riding school provides saddle, bridle, saddle pad, protective gear.

2. If the rider wants their own gear

Saddle pad: €20 to €50.
Stirrups + leathers: €40 to €120.
Simple bridle: €50 to €150.
Grooming kit (brushes, hoof pick, etc.): €20 to €50.

IV. Insurance and Additional Costs

1. Horseback riding insurance

Often included in the FFE license, but an individual accident insurance is recommended (€20 to €50/year).

2. Competitions and travel

Entry fee for club-level competitions: €10 to €25 per event.
Travel costs if charged by the riding school.

V. Example of an Annual Budget for a Beginner

FFE license + club membership: €100 to €150.
Annual subscription (1 lesson/week): €900 to €1,200.
Basic rider equipment: €150 to €300.
Holiday camps (2 weeks/year): €400 to €800.

👉 Approximate total: €1,500 to €2,500 for the first year, depending on lesson frequency and quality of chosen equipment.

VI. And After? The Long-Term Cost of Passion

For a more intensive rhythm (2–3 lessons per week) or competition participation, the budget can reach €3,000–5,000 per year.
For riders who become horse owners, costs skyrocket: €3,000 to €10,000 per year (boarding, veterinary care, farrier, full equipment).

Conclusion

Starting horseback riding represents a significant investment, but one that can be adjusted based on your choices: trying out a few lessons, choosing an annual subscription, renting equipment, or buying gradually. With good management and by avoiding unnecessary expenses, it’s entirely possible to live your passion without overspending.