what is the cheapest car to insure for a teenager
Finding the cheapest car insurance for a teen driver can be difficult. Since teenagers are inexperienced drivers, they're considered very risky to insure, and policies can cost thousands of dollars a twelvemonth.
It's ordinarily a lot cheaper to add together a teen driver to an adult'south car insurance policy than it is to purchase a separate policy. And the all-time style to notice the cheapest coverage is to shop effectually and go quotes from multiple companies.
Encounter what you lot could salve on auto insurance
Hands compare personalized rates to run into how much switching car insurance could save you.
While it may not ever brand sense for a teen commuter to purchase a stand-alone policy, looking at those rates tin requite you lot a sense of how much car insurance costs for teen drivers and how much prices vary. With this in listen, NerdWallet checked car insurance rate estimates from the largest auto insurers in all 50 states, plus Washington, D.C. We analyzed rates for hypothetical male person and female person teenagers driving a 2017 Toyota Camry LE with no tickets or traffic violations.
While information technology's cheaper for a teen to stay on a parent's or guardian'due south policy, in our assay, these numbers can provide a benchmark for machine insurance costs.
How much is automobile insurance for teen drivers?
Mile for mile, teen drivers get into car crashes 4 times every bit oft as drivers twenty and older, according to the Insurance Institute for Highway Safety. Farther, automobile accidents are the leading cause of death for teenagers in the U.S., according to the Centers for Illness Control and Prevention.
That all translates to higher insurance costs for teens, but how much depends on the state where the teen lives, gender and age, and whether the teen is the primary policyholder, among other factors. Our analysis shows that a newly licensed 16-year-quondam commuter can pay an average of 44% more for full coverage than a more seasoned nineteen-year-former driver.
While the toll of car insurance for teen drivers varies widely by state, hither are the boilerplate annual prices we institute for both full and minimum coverage, by age:
-
xvi-year-olds: $6,613 for full coverage; $two,733 for minimum coverage.
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17-yr-olds: $five,373 for full coverage; $2,206 for minimum coverage.
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18-year-olds: $4,837 for full coverage; $1,938 for minimum coverage.
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19-year-olds: $three,716 for full coverage; $i,451 for minimum coverage.
Full coverage insurance policies in our analyses include comprehensive and collision coverage, also as uninsured/underinsured motorist protection and increased liability limits. Minimum coverage policies include state-mandated coverage only.
Cheapest car insurance for teen drivers from large companies
To make up one's mind the cheapest insurers for teen drivers, nosotros kickoff looked at large companies that are bachelor in nigh every state.
The five largest auto insurance companies in the country are Allstate, Geico, Progressive, State Farm and USAA. However, USAA insures active armed forces members, veterans and their families only.
Below nosotros've ranked the largest companies, excluding USAA , from cheapest to most expensive based on average annual prices for both full and minimum coverage.
| Geico | ||
| Age | Average full coverage rate | Average minimum coverage rate |
| 16 | $4,148 | $i,574 |
| 17 | $3,566 | $one,333 |
| 18 | $3,158 | $1,167 |
| nineteen | $two,533 | $916 |
| State Farm | ||
| Age | Average full coverage rate | Boilerplate minimum coverage rate |
| 16 | $6,329 | $2,613 |
| 17 | $4,922 | $2,007 |
| eighteen | $4,414 | $one,774 |
| nineteen | $3,455 | $1,365 |
| Allstate | ||
| Historic period | Average full coverage rate | Average minimum coverage charge per unit |
| 16 | $seven,779 | $2,892 |
| 17 | $vi,356 | $2,278 |
| 18 | $5,545 | $i,831 |
| 19 | $four,299 | $1,327 |
| Progressive | ||
| Age | Average full coverage rate | Boilerplate minimum coverage rate |
| sixteen | $9,139 | $iii,460 |
| 17 | $seven,684 | $2,874 |
| eighteen | $vi,514 | $two,393 |
| 19 | $three,911 | $one,417 |
Coming from a large company doesn't make an insurance policy meliorate — local and regional insurers often have the cheapest rates in those areas. Earlier choosing a car insurance company, make sure to shop around for quotes to detect the cheapest insurer in your state.
Cheapest car insurance for teen drivers by state
The cheapest machine insurance company for a teenager varies depending on the state. For example, the cheapest average full coverage rate for a teen driver in Hawaii is effectually $950 annually, while the cheapest average rate in Alabama is over $3,000.
Use the map to meet the cheapest automobile insurance company for teen drivers based on average annual total coverage rates.
Average cost of machine insurance for sixteen-yr-olds
Sixteen-year-old drivers are the most expensive to insure considering they are minimally experienced.
Hawaii is the cheapest country for both full and minimum annual coverage policies for 16-year-olds because the state doesn't allow the use of historic period to cost automobile insurance. The boilerplate full coverage rate in the country is between $1,000 and $1,100 for a commuter of whatsoever age.
Meanwhile, Louisiana is the near expensive state for annual full coverage policies for teenagers. Average total coverage rates for a stand-alone policy are over $11,500 per twelvemonth. If y'all're a 16-yr-quondam driver in Louisiana, it's highly recommended that you try to get on an adult'due south auto insurance policy to have advantage of multidriver and other discounts.
See how your state stacks up for full and minimum coverage rates for sixteen-yr-one-time drivers.
| State | Average annual full coverage rate | Average annual minimum coverage charge per unit |
|---|---|---|
| Alabama | $seven,286 | $2,821 |
| Alaska | $5,434 | $one,738 |
| Arizona | $6,362 | $three,259 |
| Arkansas | $10,416 | $iv,150 |
| California | $vi,184 | $ii,147 |
| Colorado | $7,689 | $2,640 |
| Connecticut | $10,177 | $5,023 |
| Delaware | $8,447 | $4,503 |
| Florida | $8,600 | $ii,310 |
| Georgia | $7,703 | $3,502 |
| Hawaii | $ane,079 | $352 |
| Idaho | $four,146 | $1,654 |
| Illinois | $6,131 | $two,585 |
| Indiana | $4,669 | $i,837 |
| Iowa | $3,937 | $1,192 |
| Kansas | $5,342 | $one,894 |
| Kentucky | $10,596 | $4,662 |
| Louisiana | $xiii,409 | $5,447 |
| Maine | $4,242 | $1,799 |
| Maryland | $7,451 | $3,456 |
| Massachusetts | $four,979 | $two,020 |
| Michigan | $x,423 | $v,234 |
| Minnesota | $4,315 | $1,954 |
| Mississippi | $6,657 | $2,469 |
| Missouri | $8,194 | $iii,090 |
| Montana | $6,988 | $2,071 |
| Nebraska | $4,728 | $one,626 |
| Nevada | $9,150 | $4,823 |
| New Hampshire | $5,232 | $2,115 |
| New Jersey | $9,561 | $3,997 |
| New United mexican states | $5,773 | $2,054 |
| New York | $7,904 | $4,189 |
| North Carolina | $3,173 | $1,332 |
| Northward Dakota | $4,819 | $1,657 |
| Ohio | $4,059 | $i,759 |
| Oklahoma | $vi,973 | $2,285 |
| Oregon | $v,675 | $2,885 |
| Pennsylvania | $5,499 | $1,988 |
| Rhode Island | $11,948 | $6,407 |
| South Carolina | $6,399 | $ii,955 |
| South Dakota | $4,952 | $1,335 |
| Tennessee | $5,350 | $1,982 |
| Texas | $10,210 | $4,016 |
| Utah | $6,690 | $3,097 |
| Vermont | $iv,765 | $ane,480 |
| Virginia | $five,961 | $2,540 |
| Washington | $v,113 | $2,249 |
| Washington, D.C. | $7,242 | $3,459 |
| West Virginia | $6,034 | $ii,199 |
| Wisconsin | $4,719 | $1,765 |
| Wyoming | $4,492 | $1,379 |
See what you could save on car insurance
Hands compare personalized rates to see how much switching car insurance could save yous.
Boilerplate cost of machine insurance for 17-yr-olds
While not as costly as for a 16-year-old, car insurance for a 17-year-one-time driver will exist a hefty sum. The national annual average rate for a 17-twelvemonth-old is only over $5,370 for full coverage and $2,206 for minimum coverage.
Besides Hawaii, Northward Carolina has the lowest annual average rate for a full-coverage policy for a 17-year-old at just under $two,660. The cheapest almanac minimum coverage charge per unit for a 17-year-sometime in Iowa is just over an average of $930. On the other end of the spectrum, Louisiana has the highest average full coverage rates for 17-twelvemonth-olds — $9,255 for a 12-calendar month, total-coverage policy. Michigan has the about expensive annual minimum coverage rate at merely under $iv,070, on average.
See how your state stacks up for total and minimum coverage average rates for 17-year-sometime drivers.
| State | Average annual full coverage rate | Average annual minimum coverage charge per unit |
|---|---|---|
| Alabama | $6,400 | $ii,481 |
| Alaska | $4,403 | $1,405 |
| Arizona | $five,341 | $2,693 |
| Arkansas | $8,201 | $3,033 |
| California | $5,730 | $i,984 |
| Colorado | $vi,253 | $2,126 |
| Connecticut | $7,807 | $three,965 |
| Delaware | $half dozen,732 | $3,597 |
| Florida | $vii,406 | $1,991 |
| Georgia | $6,765 | $3,198 |
| Hawaii | $1,079 | $352 |
| Idaho | $3,385 | $one,342 |
| Illinois | $4,817 | $2,048 |
| Indiana | $3,951 | $1,552 |
| Iowa | $iii,112 | $933 |
| Kansas | $iv,704 | $ane,649 |
| Kentucky | $eight,198 | $3,675 |
| Louisiana | $ix,255 | $3,761 |
| Maine | $3,618 | $ane,521 |
| Maryland | $6,699 | $three,108 |
| Massachusetts | $4,285 | $1,762 |
| Michigan | $8,224 | $four,068 |
| Minnesota | $3,629 | $i,637 |
| Mississippi | $5,622 | $two,090 |
| Missouri | $half dozen,067 | $ii,316 |
| Montana | $half-dozen,032 | $ane,749 |
| Nebraska | $three,954 | $ane,339 |
| Nevada | $vii,559 | $3,842 |
| New Hampshire | $4,296 | $1,777 |
| New Bailiwick of jersey | $seven,211 | $iii,115 |
| New United mexican states | $4,598 | $1,651 |
| New York | $seven,265 | $3,867 |
| Due north Carolina | $2,656 | $1,073 |
| North Dakota | $3,827 | $1,315 |
| Ohio | $3,298 | $i,436 |
| Oklahoma | $5,862 | $1,901 |
| Oregon | $iv,280 | $2,201 |
| Pennsylvania | $four,833 | $1,753 |
| Rhode Isle | $8,395 | $4,160 |
| South Carolina | $5,356 | $two,413 |
| South Dakota | $iii,992 | $1,051 |
| Tennessee | $4,442 | $1,680 |
| Texas | $7,349 | $3,048 |
| Utah | $5,223 | $ii,451 |
| Vermont | $4,047 | $ane,210 |
| Virginia | $4,734 | $2,036 |
| Washington | $four,284 | $1,903 |
| Washington, D.C. | $5,885 | $2,787 |
| West Virginia | $five,217 | $1,905 |
| Wisconsin | $three,886 | $ane,417 |
| Wyoming | $3,852 | $1,144 |
Boilerplate cost of car insurance for eighteen-year-olds
The national annual boilerplate charge per unit for an eighteen-year-old driver with total coverage is just over $four,830, while the average charge per unit for minimum coverage is $one,940 per year. Besides Hawaii, N Carolina offers the cheapest average full coverage rate at $two,398 annually, and Iowa offers the cheapest minimum coverage at $812. Louisiana has the almost expensive charge per unit for total coverage, while Michigan is highest for minimum coverage.
Meet how your country stacks up for full and minimum coverage average rates for 18-year-old drivers.
| State | Average annual total coverage rate | Average almanac minimum coverage rate |
|---|---|---|
| Alabama | $5,728 | $ii,179 |
| Alaska | $3,947 | $1,214 |
| Arizona | $four,790 | $1,926 |
| Arkansas | $seven,196 | $2,541 |
| California | $5,399 | $1,856 |
| Colorado | $five,710 | $i,902 |
| Connecticut | $7,178 | $3,606 |
| Delaware | $5,894 | $3,093 |
| Florida | $vi,559 | $1,774 |
| Georgia | $half-dozen,241 | $ii,945 |
| Hawaii | $1,079 | $352 |
| Idaho | $3,063 | $one,199 |
| Illinois | $iv,300 | $1,801 |
| Indiana | $3,474 | $1,342 |
| Iowa | $2,771 | $812 |
| Kansas | $4,270 | $1,464 |
| Kentucky | $7,401 | $iii,292 |
| Louisiana | $viii,213 | $three,335 |
| Maine | $3,310 | $1,373 |
| Maryland | $6,147 | $two,790 |
| Massachusetts | $4,084 | $i,680 |
| Michigan | $seven,274 | $3,702 |
| Minnesota | $iii,326 | $1,461 |
| Mississippi | $four,928 | $1,808 |
| Missouri | $5,480 | $2,029 |
| Montana | $5,540 | $1,568 |
| Nebraska | $iii,623 | $1,195 |
| Nevada | $6,941 | $iii,196 |
| New Hampshire | $3,756 | $i,520 |
| New Jersey | $6,290 | $2,666 |
| New Mexico | $four,146 | $1,420 |
| New York | $6,430 | $3,404 |
| North Carolina | $2,398 | $907 |
| North Dakota | $three,467 | $1,156 |
| Ohio | $2,996 | $1,299 |
| Oklahoma | $5,305 | $i,712 |
| Oregon | $3,835 | $one,953 |
| Pennsylvania | $4,440 | $1,595 |
| Rhode Island | $7,111 | $3,314 |
| Due south Carolina | $4,892 | $2,175 |
| Southward Dakota | $three,604 | $906 |
| Tennessee | $three,827 | $1,425 |
| Texas | $6,673 | $2,723 |
| Utah | $iv,713 | $2,185 |
| Vermont | $3,711 | $i,101 |
| Virginia | $iv,260 | $1,812 |
| Washington | $3,862 | $1,684 |
| Washington, D.C. | $v,476 | $two,566 |
| West Virginia | $4,711 | $1,682 |
| Wisconsin | $3,472 | $1,248 |
| Wyoming | $3,465 | $976 |
Average cost of car insurance for 19-year-olds
Nineteen-yr-old drivers are the cheapest teenagers to insure because they typically have been licensed longer and take more than experience on the road. The average annual national charge per unit for a full coverage policy for a nineteen-year-old is about $iii,717. A 12-month, minimum-coverage policy averages to about $1,451.
Besides Hawaii, the cheapest state for a 19-year-old driver is North Carolina, which averages $1,490 annually for total coverage and slightly under $550 annually for minimum coverage. Meanwhile, Louisiana has the nearly expensive full coverage boilerplate — over $6,240 per yr. Michigan has the almost expensive minimum coverage policy for an 18-year-old, averaging about $2,890 a yr.
See how your state stacks up for average full and minimum coverage rates for nineteen-yr-old drivers.
| State | Average annual full coverage rate | Boilerplate annual minimum coverage charge per unit |
|---|---|---|
| Alabama | $3,994 | $1,473 |
| Alaska | $3,194 | $919 |
| Arizona | $3,600 | $1,428 |
| Arkansas | $5,650 | $1,906 |
| California | $iii,775 | $1,283 |
| Colorado | $4,235 | $one,390 |
| Connecticut | $five,105 | $2,544 |
| Delaware | $iv,503 | $2,314 |
| Florida | $4,850 | $1,290 |
| Georgia | $four,731 | $2,182 |
| Hawaii | $ane,079 | $352 |
| Idaho | $2,390 | $912 |
| Illinois | $iii,547 | $1,459 |
| Indiana | $2,903 | $one,106 |
| Iowa | $2,346 | $653 |
| Kansas | $iii,413 | $one,132 |
| Kentucky | $half-dozen,101 | $2,597 |
| Louisiana | $half dozen,242 | $ii,463 |
| Maine | $2,743 | $1,111 |
| Maryland | $iv,916 | $2,250 |
| Massachusetts | $2,652 | $1,052 |
| Michigan | $5,677 | $2,890 |
| Minnesota | $iii,014 | $ane,276 |
| Mississippi | $3,669 | $1,346 |
| Missouri | $four,579 | $1,645 |
| Montana | $4,201 | $1,125 |
| Nebraska | $ii,860 | $879 |
| Nevada | $5,465 | $2,422 |
| New Hampshire | $2,878 | $i,145 |
| New Bailiwick of jersey | $iv,533 | $2,001 |
| New Mexico | $iii,069 | $1,024 |
| New York | $four,853 | $2,443 |
| Northward Carolina | $1,491 | $546 |
| N Dakota | $2,470 | $798 |
| Ohio | $2,265 | $968 |
| Oklahoma | $3,718 | $i,163 |
| Oregon | $3,004 | $1,514 |
| Pennsylvania | $3,408 | $1,158 |
| Rhode Island | $v,332 | $2,404 |
| South Carolina | $3,728 | $1,641 |
| South Dakota | $2,637 | $658 |
| Tennessee | $3,017 | $1,105 |
| Texas | $five,393 | $two,129 |
| Utah | $3,572 | $ane,639 |
| Vermont | $3,232 | $899 |
| Virginia | $three,430 | $1,436 |
| Washington | $2,994 | $1,259 |
| Washington, D.C. | $3,925 | $i,697 |
| West Virginia | $3,697 | $1,286 |
| Wisconsin | $2,685 | $938 |
| Wyoming | $2,754 | $731 |
See what you could salve on car insurance
Easily compare personalized rates to come across how much switching car insurance could salve y'all.
Why is machine insurance for young men and then expensive?
Young women can pay a lot for car insurance, but in full general, immature men see some of the highest auto insurance rates amid people with clean driving records. In part, that'southward because they are inexperienced and don't have a driving record for insurers to employ to set rates.
When insurance companies can't reference a driving record to decide how likely you lot are to file a claim, they rely on statistics to guess run a risk and prepare prices. A newly licensed teenager receives loftier insurance quotes because his peers file a lot of claims, more than expensive claims or both.
Male teenagers cause crashes at higher rates than any other grouping. Teens ages sixteen to 19 cause about 3 times as many fatal accidents every bit adults 20 and over, according to data from the Insurance Constitute for Highway Safe. Teenage boys caused roughly two-thirds of those crashes in recent years, downwardly from 75% in 1975, the data shows.
In addition to the risk that they will crash, teens typically lack a credit history, are unmarried and haven't completed as much education — all of which can increment car insurance rates.
See beneath for how the top five auto insurance companies stack upward for female and male teen drivers, for both full and minimum coverage policies.
| Average annual full coverage rates by gender from the five largest U.S. automobile insurers | ||
|---|---|---|
| Visitor | Female teen drivers | Male teen drivers |
| Allstate | $5,563 | $six,427 |
| Geico | $three,126 | $3,577 |
| Progressive | $half-dozen,454 | $7,170 |
| Country Farm | $4,328 | $five,232 |
| USAA* | $3,253 | $3,556 |
| *USAA is bachelor but to military, veterans and their families. | ||
| Average annual minimum coverage rates by gender from the 5 largest U.S. machine insurers | ||
|---|---|---|
| Company | Female person teen drivers | Male teen drivers |
| Allstate | $i,991 | $2,174 |
| Geico | $1,180 | $one,316 |
| Progressive | $2,440 | $2,632 |
| State Farm | $1,759 | $two,120 |
| USAA* | $ane,288 | $1,369 |
| *USAA is bachelor only to armed services, veterans and their families. | ||
How teens can salve on car insurance
If you lot're a teen commuter, the best manner to save on car insurance is to get on a parent's or guardian's insurance policy. If that isn't an option for you, kickoff by shopping effectually for multiple car insurance quotes to notice the cheapest rate.
When shopping for motorcar insurance, be on the scout for possible discounts, including:
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Good form discount. Some auto insurers offer discounts for maintaining a high GPA or getting straight As.
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Defensive driving disbelieve. If you take a defensive driving form, some car insurance companies may offer yous a discount on your rate.
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Student away-at-school discount. If you lot're enrolled in college or become to school away from habitation, you lot could qualify for a educatee-abroad discount.
Methodology
NerdWallet averaged insurance estimates from the largest insurers in all fifty states and Washington, D.C., for unmarried male and female person drivers with good credit and no tickets or violations. For total coverage policies, we used the following coverage limits:
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$100,000 actual injury liability per person.
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$300,000 bodily injury liability per blow.
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$50,000 property damage liability per accident.
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$100,000 uninsured motorist coverage per person.
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$300,000 uninsured motorist coverage per blow.
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Collision coverage with a $ane,000 deductible.
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Comprehensive coverage with a $one,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer'south discretion. For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage past law in the land. We used a 2017 Toyota Camry LE for all drivers and causeless 12,000 almanac miles driven. We analyzed rates for drivers of the following ages: 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, thirty, 35, 40, 45, l, 55, 60, 65, 70, 75 and lxxx.
These are rates generated through Quadrant Information Services. Your own rates volition be different.
Source: https://www.nerdwallet.com/article/insurance/cheapest-car-insurance-teenagers
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