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Car Insurance For An 18 Year Old

Wondering how much is car insurance for an 18 year old? The average cost of car insurance for an 18 year old male and female is about $4,000, unless the young driver is added to their parents’ policy or is seeking the cheapest coverage and rates allowed by the state. However, when combined with family plans, those annual premiums drop to $1,800, or $150 per month. And while 18 year old females have, on average, 20% lower rates than males, there are a number of factors that affect car insurance prices, including the state you live in, the minimum coverage requirements by law, the vehicle you want to insure, whether you choose to buy full coverage or not, the potential to get a good student discount, and the insurance company itself.

There are many ways to get cheap insurance for 18 year-olds. Below, we’ll detail the average car insurance cost for an 18 year old male and female as well as offer a comprehensive buyer’s guide to getting the lowest quotes from the best companies for teenage drivers!

Car Insurance For 18 Year Old

How Much Is Car Insurance For An 18 Year Old?

Calculating car insurance for an 18 year old requires a few basic assumptions. While the only way to know exactly how much you’ll pay for premiums is to complete a car insurance comparison and get quotes from the best companies in your state, we can provide you with the average annual rates paid by other male and female 18 year olds in your state. This information can be useful in giving you an idea of what prices to expect as well as encouraging families to shop around and compare rates before settling on a policy and provider.

For starters, the insurance rates below are based on an 18 year old buying a separate policy from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. The car being insured is a 2017 Honda Accord with a $500 deductible, and the following coverage limits:

  • $100,000 for injury liability on one person
  • $300,000 for all injuries in a single accident
  • $100,000 for property damage

Here’s how much car insurance costs for 18 year old males and females in each state.

Car Insurance For 18 Year Old Male

Car insurance for an 18 year old male driver costs, on average, about $4,500. Among the states, teen drivers in California, Texas, Florida, New York, Connecticut, and Tennessee have some of the highest rates whereas 18 year olds in North Carolina, Nebraska, Pennsylvania and Iowa get the lowest premiums.

StateAverage Rates
Alabama$4285
Alaska$3049
Arizona$4226
Arkansas$4600
California$6069
Colorado$4508
Connecticut$6963
Delaware$6959
District of Columbia$6821
Florida$6036
Georgia$4525
Hawaii$1220
Idaho$3882
Illinois$3463
Indiana$4590
Iowa$3098
Kansas$3535
Kentucky$3687
Louisiana$6909
Maine$3714
Maryland$4298
Massachusetts$4772
Michigan$8364
Minnesota$4550
Mississippi$4242
Missouri$3626
Montana$4235
Nebraska$3276
Nevada$4570
New Hampshire$3614
New Jersey$6052
New Mexico$4039
New York$4225
North Carolina$1881
North Dakota$4296
Ohio$3636
Oklahoma$6027
Oregon$4924
Pennsylvania$3105
Rhode Island$5353
South Carolina$4311
South Dakota$3955
Tennessee$4668
Texas$5088
Utah$3894
Vermont$3593
Virginia$3519
Washington$3912
West Virginia$4162
Wisconsin$5031
Wyoming$3486

Car Insurance For 18 Year Old Female

Car insurance for an 18 year old female driver costs, on average, about $3,600. This is generally because, statistically, young males tend to be faster, more aggressive drivers, while teen females tend to be more defensive and conservative. Companies understand these fundamental differences in insurance statistics and award women lower rates.

StateAverage Rates
Alabama$3320
Alaska$2400
Arizona$3525
Arkansas$3880
California$4775
Colorado$3800
Connecticut$3590
Delaware$5240
District of Columbia$5390
Florida$4675
Georgia$3450
Hawaii$1220
Idaho$2460
Illinois$2770
Indiana$3030
Iowa$2460
Kansas$2865
Kentucky$3200
Louisiana$5715
Maine$2875
Maryland$3400
Massachusetts$4770
Michigan$7235
Minnesota$3650
Mississippi$3640
Missouri$3940
Montana$4225
Nebraska$2650
Nevada$3758
New Hampshire$2714
New Jersey$5390
New Mexico$3285
New York$3815
North Carolina$1881
North Dakota$3195
Ohio$3070
Oklahoma$4965
Oregon$4300
Pennsylvania$3105
Rhode Island$4470
South Carolina$3600
South Dakota$2950
Tennessee$3700
Texas$4250
Utah$3180
Vermont$2841
Virginia$2838
Washington$3297
West Virginia$3359
Wisconsin$3965
Wyoming$2624

Just a reminder, these rates are for liability insurance, not full coverage. Full coverage auto insurance for an 18 year old would include collision and comprehensive insurance, and the rates would be much higher!

Cheapest Car Insurance For 18 Year Old

If you need more affordable premiums, then you may just need to lower your coverage limits and buy a policy that just meets your state’s minimum car insurance requirements. To get the cheapest car insurance for an 18 year old, you’ll need to settle for only liability insurance, which only pays for medical costs and damages incurred by others.

Using the same driver profile as before and assuming the teen buys his/her own policy, here’s how much minimum coverage car insurance costs per year in each state.

Cheapest Car Insurance For 18 Year Old

Cheap Car Insurance For 18 Year Old Female

With the average cost at about $1,500 per year, cheap car insurance for an 18 year old female becomes much more affordable with minimum liability coverage. Even expensive states like California, New York, Texas, and Florida offer premiums low enough to purchase coverage independently. Nevertheless, we’d still recommend teen female drivers stay on their parents’ policy for even cheaper rates.

StateCheapest Rates
Alabama$1138
Alaska$699
Arizona$1354
Arkansas$1335
California$1401
Colorado$1514
Connecticut$2414
Delaware$2771
District of Columbia$2488
Florida$1967
Georgia$1323
Hawaii$416
Idaho$1109
Illinois$1088
Indiana$1409
Iowa$826
Kansas$1024
Kentucky$1154
Louisiana$1905
Maine$1137
Maryland$1633
Massachusetts$2200
Michigan$6494
Minnesota$2166
Mississippi$1347
Missouri$1051
Montana$1156
Nebraska$1009
Nevada$1402
New Hampshire$1108
New Jersey$2192
New Mexico$1292
New York$1462
North Carolina$720
North Dakota$1005
Ohio$1383
Oklahoma$1570
Oregon$2440
Pennsylvania$1062
Rhode Island$2172
South Carolina$1427
South Dakota$926
Tennessee$1390
Texas$1568
Utah$1415
Vermont$937
Virginia$1065
Washington$1416
West Virginia$1228
Wisconsin$1340
Wyoming$699

Cheap Car Insurance For 18 Year Old Male

Similarly, cheap car insurance for an 18 year old male comes out to about $1,750 per year. Even for teen male drivers, the cost of insurance decreases significantly when the amount of coverage purchased is just enough to meet state requirements.

StateCheapest Rates
Alabama$1415
Alaska$812
Arizona$1633
Arkansas$1566
California$1762
Colorado$1792
Connecticut$3091
Delaware$3641
District of Columbia$3002
Florida$2294
Georgia$1704
Hawaii$416
Idaho$1355
Illinois$1331
Indiana$1759
Iowa$1007
Kansas$1205
Kentucky$1298
Louisiana$2290
Maine$1391
Maryland$1986
Massachusetts$2200
Michigan$6472
Minnesota$2376
Mississippi$1521
Missouri$1270
Montana$1156
Nebraska$1207
Nevada$1703
New Hampshire$1417
New Jersey$2329
New Mexico$1548
New York$1891
North Carolina$720
North Dakota$1200
Ohio$1640
Oklahoma$1909
Oregon$2711
Pennsylvania$1062
Rhode Island$2574
South Carolina$1642
South Dakota$1155
Tennessee$1679
Texas$1836
Utah$1698
Vermont$1136
Virginia$1275
Washington$1690
West Virginia$1456
Wisconsin$1624
Wyoming$887

Best Car Insurance For 18 Year Old

Finding the best car insurance for an 18 year old ultimately comes down to comparing policies, coverage options, companies, and premiums. However, it is important to note that, although 18 year-olds are considered adults, the best way to get really cheap rates is if the teen is added to their parents’ policy. Even if parents want their kids to pay for their own insurance coverage, it makes more sense for your teenager to pay you for the increase in premiums than it is for him/her to go out and buy an individual policy.

If you decide to put your male or female 18 year old on your plan, we’d still recommend you get a few free quotes online from other companies. Even the top auto insurance companies calculate premiums differently, so the price for the same policy and coverage at other carriers can vary greatly. In addition to showing you how much you could save with another company, these insurance quotes can be helpful in negotiations with your current insurer, and sometimes the threat of switching providers is all you need to obtain lower prices.

Here are some tips to finding cheap car insurance quotes for 18 year olds or parents adding a teen to their family policy.

  • Insure your teen under an older car. Old vehicles cost less to replace or repair, so insurers are inclined to charge lower premiums. If you want affordable rates, don’t buy your teenager a new sports car or luxury sedan, even if it’s a high school graduation gift. If he/she needs a car for transportation, buy used or get yourself a new car and pass on the older vehicle to your kid. This will save you thousands of dollars over the years.
  • Make sure the car has safety features. Safety features like air bags, anti-lock brakes, traction control, blind spot monitor, alarms or anti-theft systems, and other technology can decrease the risk of an accident or minimize injuries and damages.
  • Ask for the Good Student Discount. Your insurance company may offer a discount for young drivers who maintain a 3.0 or “B” average in high school or college. The “Good Student Discount” can save you up to 15% off the cost of your 18-year-old’s coverage.
  • Get the Defensive Driver Discount. By completing a driver education course, some insurers will discount your teen’s rates up to 5%. Ask a representative before enrolling to make sure the company offers the discount and whether they have a list of preapproved driving schools you must take the class from.
  • Maintain a clean driving history. Keeping a clean driving record is the smartest way to maximize discounts and get the cheapest rates. Because your driving history plays such a big role in determining your future risk and therefore the cost of insuring you, companies will look at a good driving record as a strong indicator of a low-risk driver they want to win over with low premiums. This means no traffic tickets or moving violations, at-fault accidents, DUIs, texting while driving, and racing.

If you’re ready to start an insurance comparison, either with the intention of switching companies for lower rates and better coverage or using the online quotes as a negotiating tool, just enter your zip code below to see some of the top insurers in your area.