You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make fresh personal finance decisions. We follow hard-and-fast guidelines to ensure that our editorial contentedness is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. therefore, whether you ’ re reading an article or a reappraisal, you can trust that you ’ re getting credible and dependable information. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have column standards in stead to ensure that happens. Our editors and reporters thoroughly fact-check column subject to ensure the information you ’ ra read is accurate. We maintain a firewall between our advertisers and our column team. Our column team does not receive direct recompense from our advertisers. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the respect they provide. And we constantly review our criteria to ensure we ’ re putting accuracy beginning. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which supplier is right field for you. Bankrate follows a rigid editorial policy, so you can trust that we ’ re putting your interests first. All of our content is authored by highly dependent professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and desirable of your trust. Founded in 1976, Bankrate has a long track record of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making summons and giving people confidence in which actions to take following. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Bankrate found Allstate, Geico, Progressive and State Farm to offer the best car insurance for teens based on several factors, including average rate data from Quadrant Information Services, third-party customer satisfaction ratings and fiscal strength scores. In every state except Hawaii, car insurance companies use age to determine a driver ’ second premium. Since adolescent drivers have good a few years of have behind the roulette wheel and the highest doss rates of any group, adolescent car policy premiums are typically increased. however, it ’ s still possible to find competitive rates from the following companies. light bulb
Key takeaway
- Allstate, Geico, Progressive and State Farm are some of the best car insurance companies for teens, based on average rates, available discounts, customer satisfaction and more, according to our research.
- Student discounts are some of the best ways for qualifying teenage drivers to save on their auto insurance rates.
- Teens aged 16 and 17 are legally considered minors and will likely have to be listed on their parents’ auto insurance policy rather than having a separate policy. Teens aged 18 and 19 can typically stay on their parents’ policy unless they move out of their parents’ home for a reason other than college.
Best car insurance for teen drivers
We chose the best car indemnity companies by analyzing versatile factors, such as average car insurance rates pulled from Quadrant Information Services, available discounts, technology, third-party customer atonement rankings and fiscal force. We compiled these factors to create an individualized Bankrate Score for each company, calculated on a scale of 0 to 5. While your historic period factors into your cable car policy bounty in most states, Hawaii prohibits this commit. Likewise, in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania, car insurance companies are prohibited from using sex as a rat factor .
Allstate
Bankrate Score : 4/5 Allstate received 4 out of 5 stars for fiscal potency, customer experience and technology. These high scores make Allstate a solid choice for policyholders with adolescent drivers, specially those who hope to manage their policies online. Allstate offers car, dwelling, animation, occupation and other policy products for families, including those with young drivers. Parents may want to take advantage of discounts such as multi-policy, multi-car and safe drive to get cheap cable car policy when adding a young adult. Allstate average car insurance premiums for teens added to their parent’s policy (reflects added cost, not total cost)
| Age | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| 16 | $859 | $2,614 |
| 17 | $731 | $2,308 |
| 18 | $680 | $2,202 |
| 19 | $556 | $1,921 |
Unmarried young adult drivers may be able to take advantage of Allstate ’ s smart student dismiss to lower car indemnity rates. To qualify, you must have at least a 2.7 GPA as a full-time scholar. Learn more: Allstate Insurance review
Geico
Bankrate Score : 4.73/5 Geico tied with State Farm for having the highest Bankrate score on our list. The company scored highest in the fiscal military capability and technology categories, thanks to its easy-to-use mobile app and on-line portal vein. Like Allstate, Geico offers a wide range of policy products for parents and new drivers. If the integral family of drivers maintains a blank drive record, the class will probable see significant savings. In accession, taking a driver ’ sulfur education course may result in cheaper car policy rates. Geico average car insurance premiums for teens added to their parent’s policy (reflects added cost, not total cost)
| Age | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| 16 | $596 | $2,009 |
| 17 | $522 | $1,779 |
| 18 | $439 | $1,519 |
| 19 | $329 | $1,165 |
Geico besides offers a good scholar dismiss, which full-time students with a B modal or above can use to lower car policy costs. Belonging to certain fraternities, sororities or honor societies can besides help a new driver get bum car insurance rates on their parents ’ policy. Learn more: Geico Insurance review
Read more: The Best Car Insurance Companies for 2022
Progressive
Bankrate Score : 4.4/5 Progressive received the second-highest Bankrate score on our list. The company received its highest scores in the customer experience and fiscal force categories. If you ’ ra looking for a caller with accessible customer service, you may want to consider Progressive. progressive ’ s average car policy rates fall between Allstate and Geico, but drivers can participate in the company ’ second Snapshot program to potentially get cheaper premiums. This program tracks your drive in real-time and rewards you for safe practices. If your adolescent is a safe driver, this plan may be a bang-up manner to lower your family ’ sulfur cable car insurance premiums. Progressive average car insurance premiums for teens added to their parent’s policy (reflects added cost, not total cost)
| Age | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| 16 | $749 | $2,085 |
| 17 | $748 | $2,098 |
| 18 | $589 | $1,727 |
| 19 | $452 | $1,398 |
progressive offers a adolescent driver dismiss for drivers aged 19 and younger to help offset cable car insurance costs. With a good scholar dismiss, young adult drivers might besides save an modal of 10 % by achieving a B average or better in school. Learn more: Progressive Insurance review
State Farm
Bankrate Score : 4.73/5 State Farm tied with Geico for the highest Bankrate score on our list. The company scored highest in the fiscal military capability and engineering categories. If you ’ re looking for a financially stable provider with a ace mobile app and on-line portal vein, you may want to consider State Farm. Like other top cable car insurance companies, State Farm offers several ways to save on car indemnity premiums. Drivers in certain states can take a defensive drive course and may save up to 15 %. In addition, State Farm ’ s Steer Clear program rewards drivers for safe practices behind the steering wheel. The company ’ s accident-free discount rate can help those insured with State Farm for three consecutive years without an accident. State Farm average car insurance premiums for teens added to their parent’s policy (reflects added cost, not total cost)
| Age | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| 16 | $898 | $2,193 |
| 17 | $767 | $1,860 |
| 18 | $657 | $1,615 |
| 19 | $521 | $1,330 |
At State Farm, the commodity scholar rebate may save young drivers up to 25 % with a 3.0 or above GPA. Participating in the Steer Clear program is another means for young adults under 25 to save equally much as 20 % on car indemnity premiums. Learn more: State Farm Insurance review
Average cost of car insurance for teen drivers
The modal price of car insurance varies for male and female young drivers, with female adolescent drivers by and large paying less than males. Keep in mind, however, that Hawaii bans the manipulation of age to calculate cable car insurance premiums, and the follow seven states prohibit the use of gender as a evaluation factor : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. Female drivers typically pay less than their male peers since male drivers are seen as riskier to insure. Studies show that males speed more and, in general, show more bad behavior behind the wheel than female drivers. adolescent drivers and young adults besides have the highest cell earphone custom of all senesce groups, which may increase the risk of causing an accident or getting a ticket ascribable to distracted drive. Average annual cost of full coverage car insurance for teen males and females added to their parents’ policy (reflects added cost, not total cost)
| Age | Male | Female | Difference |
|---|---|---|---|
| 16 | $2,783 | $2,280 | $503 |
| 17 | $2,612 | $2,141 | $471 |
| 18 | $2,197 | $1,753 | $444 |
| 19 | $1,729 | $1,327 | $402 |
car policy rates broadly decrease as drivers get older and gain more experience behind the steering wheel. By maintaining a fairly driving record and taking advantage of discounts, young adult drivers can typically expect lower car indemnity costs with each policy refilling. however, around the senesce of 70, cable car indemnity costs typically begin to increase again slenderly .
Average car insurance costs for teen drivers by state
The state where you live besides affects your car indemnity premium, as illustrated in the postpone below. Hawaii is the only state that prohibits historic period as a gene in determining car indemnity rates, which makes it the cheapest state for young drivers. Florida has the most expensive rates for car policy when adding a young driver to their parents ’ policy. These rates are based on the top insurers in the nation and are for entire coverage cable car insurance for teens added to their parents ’ policy and therefore reflect added price and not the entire price .
| State | Age 16 | Age 17 | Age 18 | Age 19 |
|---|---|---|---|---|
| Alabama | $2,714 | $2,437 | $2,136 | $1,694 |
| Alaska | $2,245 | $1,918 | $1,630 | $1,418 |
| Arkansas | $2,711 | $2,421 | $2,145 | $1,701 |
| Arizona | $2,704 | $2,458 | $2,101 | $1,813 |
| California | $3,744 | $3,286 | $3,010 | $1,823 |
| Colorado | $2,936 | $2,687 | $2,339 | $1,879 |
| Connecticut | $2,927 | $2,578 | $2,265 | $1,611 |
| Delaware | $2,491 | $2,135 | $1,922 | $1,644 |
| Florida | $4,343 | $4,042 | $3,675 | $2,728 |
| Georgia | $3,007 | $2,736 | $2,428 | $2,023 |
| Hawaii | $35 | $35 | $35 | $35 |
| Idaho | $2,313 | $2,023 | $1,197 | $974 |
| Illinois | $1,954 | $1,711 | $1,760 | $1,561 |
| Indiana | $1,537 | $1,404 | $1,505 | $1,180 |
| Iowa | $1,705 | $1,406 | $1,223 | $976 |
| Kansas | $2,099 | $1,878 | $1,660 | $1,366 |
| Kentucky | $3,593 | $3,094 | $2,673 | $2,026 |
| Louisiana | $4,333 | $3,859 | $3,181 | $2,448 |
| Massachusetts | $1,389 | $1,262 | $1,708 | $1,100 |
| Maryland | $2,787 | $2,509 | $2,276 | $1,781 |
| Maine | $2,002 | $1,850 | $1,124 | $937 |
| Michigan | $3,403 | $3,122 | $2,735 | $2,238 |
| Minnesota | $2,217 | $1,920 | $1,643 | $1,383 |
| Missouri | $2,192 | $1,971 | $1,772 | $1,443 |
| Mississippi | $2,387 | $2,019 | $1,687 | $1,361 |
| Montana | $2,298 | $2,067 | $1,847 | $1,476 |
| North Carolina | $1,627 | $1,487 | $869 | $237 |
| North Dakota | $3,398 | $2,930 | $1,152 | $883 |
| Nebraska | $1,735 | $1,650 | $1,322 | $1,051 |
| New Hampshire | $2,353 | $2,078 | $1,429 | $1,130 |
| New Jersey | $2,035 | $1,737 | $1,834 | $1,568 |
| New Mexico | $3,573 | $3,182 | $1,458 | $1,145 |
| Nevada | $1,765 | $1,078 | $2,646 | $2,231 |
| New York | $1,507 | $1,351 | $2,819 | $1,936 |
| Ohio | $1,647 | $1,479 | $1,314 | $1,036 |
| Oklahoma | $2,455 | $2,170 | $1,893 | $1,486 |
| Oregon | $2,133 | $1,851 | $1,581 | $1,323 |
| Pennsylvania | $2,372 | $2,206 | $1,881 | $1,525 |
| Rhode Island | $2,927 | $2,715 | $2,361 | $1,742 |
| South Carolina | $2,140 | $1,873 | $1,622 | $1,247 |
| South Dakota | $1,535 | $1,416 | $1,251 | $1,033 |
| Tennessee | $2,116 | $1,903 | $1,640 | $1,313 |
| Texas | $2,860 | $2,562 | $2,298 | $1,959 |
| Utah | $2,462 | $2,120 | $1,861 | $1,451 |
| Virginia | $2,401 | $2,248 | $1,627 | $1,303 |
| Vermont | $2,084 | $1,840 | $1,956 | $1,707 |
| Washington | $1,935 | $1,729 | $1,528 | $1,103 |
| Washington, D.C. | $2,506 | $2,235 | $1,939 | $1,568 |
| Wisconsin | $2,276 | $2,074 | $1,235 | $981 |
| West Virginia | $1,701 | $1,508 | $1,775 | $1,335 |
| Wyoming | $2,071 | $1,969 | $1,752 | $1,341 |
*Hawaii does not use old age as a rat factor
How rates are determined for teen drivers
car policy companies consider several factors when determining adolescent car policy rates. A few of the main considerations include :
- Car make and model: Your vehicle’s make and model affect car insurance rates for several reasons. Certain cars are made with more expensive parts and are costlier to repair, which increases insurance costs. Certain vehicles come with more sophisticated safety features, which may lessen a car insurance company’s risk, and as a result, decrease your premium. However, some of those sophisticated safety features might actually drive your costs higher as they can be expensive to repair. In addition, vehicles have different crash statistics. If your vehicle make and model has a high rate of collisions, your car insurance company may charge you a higher price.
- Driving history: If a teen has a history of car accidents and moving violations, the car insurance company may see them as riskier to insure, and as a result, increase their premium.
- Types of car insurance coverage: Minimum coverage car insurance is cheaper than full coverage car insurance. However, most insurance experts recommend purchasing more than the minimum coverage insurance required to better protect your finances. There may be some additional coverage options, however, that you don’t need. For instance, if you drive an older vehicle that you own outright, you would not be required to have comprehensive or collision coverage.
Discounts for teen drivers
adolescent drivers and young adults may be able to lower their car policy premiums by benefiting from some of the best car insurance discounts for students and respective early discounts .
Good student discounts
Unmarried, full-time students may be able to get a good scholar discount by maintaining a 3.0 or above average. As noted above, Allstate only requires a 2.7 GPA. The measure of savings and eligibility criteria vary by company, as does how frequently the young driver has to recertify their grades .
Distant student discounts
A aloof student discount, besides called student away at school, is another way to save for college-aged drivers. This dismiss typically applies to students who go to college at least 100 miles from home and do not take a car with them .
Driver training discounts
Driver education programs not only make young drivers safer and more creditworthy behind the wheel, but they may besides save money on car insurance. The requirements and savings differ by mailman .
Usage-based program discounts
Most indemnity companies offer a way for all family members to save on car indemnity with a usage-based program, besides known as a telematics program. Telematics programs require a smartphone or circuit board device installed into the cable car to monitor driving habits and miles drive. Maintaining dependable driving habits can earn you brassy car indemnity rates .
Frequently asked questions
Besides age and gender, what factors do insurers use to set my premium?
car insurance companies use the stick to characteristics ( and sometimes more ) to determine your car insurance premium : the make and mannequin of your fomite, driving history, claims history and senesce of the car. Your age can besides be used as a fink component in every express except Hawaii. Gender is besides used to determine your premium in every state except California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. Car indemnity companies besides factor in your citation mark, but this commit is prohibited in California, Hawaii, Massachusetts and Michigan. Your travel rapidly code will besides probably factor into your premium in every express except California, Michigan and Hawaii. Keep in heed that one insurance company might place more slant on your credit score, while another might care more about your claims history .
How can I find the best car insurance for my individual characteristics?
To find the best car policy, you may first want to determine what matters most to you in a car policy policy. If you ’ ra looking for the best price, you may want to compare quotes from multiple providers. If you ’ re a scholar, it may be helpful to look into which companies have the best scholar discounts. If you care most about customer overhaul, you may want to look at reviews and third-party customer satisfaction ratings. An independent indemnity agent may be able to help you nail down your needs and decide on a company that ’ s right for you .
Does the average car insurance premium vary significantly among states?
The national average full coverage agio in the United States is $ 1,674 per annum, but average rates vary by state. While full coverage premiums in some states hover around the national average, others vary drastically. For exemplify, in Maine, the average full coverage bounty is $ 965 per class, whereas the Louisiana average is $ 2,724 .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 16- to 70-year-old male and female driver with a clean drive record, good credit and the surveil full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverage that meets each state ’ second requirements. Our free-base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should lone be used for comparative purposes. historic period : Rates were calculated by evaluating our base visibility with the ages 16-70 ( base : 40 years ) applied and reflects the price of adding those ages to their parents ’ policy ( Bankrate ’ s floor agio ). Hawaii does not use age as a determining factor in calculating premiums. gender : the following states do not use sex as a determining factor in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania .