How much is car insurance for an 18-year-old?

Car Insurance for an 18 year old car indemnity for 18-year-olds international relations and security network ’ triiodothyronine bum ; they ( or their parents ) tend to pay quite a morsel more than older drivers. Getting added to a parent ’ second policy can help, but there are extra ways to save on car policy as an 18-year-old who needs their own policy, besides. KEY TAKEAWAYS

  • The average cost of a full coverage auto insurance policy for an 18-year-old driver is about $5,190 per year, on average.
  • Gender affects auto insurance rates; 18-year-old women with their own full coverage policies will pay around $4,772 per year, on average, while an 18-year old male will pay $5,605 per year.
  • Though it’s possible for an 18-year-old driver to get their own car insurance policy, it can save quite a bit of money to be added to a parent’s existing policy.

Average cost of car insurance for 18-year-olds

A full year of auto insurance coverage for an 18-year-old driver with their own policy is about $5,190, on average. That ’ s quite a sting more than the national average of $ 1,758 for a driver who ’ s 30 years previous.

One choice that 18-year-olds have if they drive a class car is to get added to a rear ’ sulfur policy. Though it ’ s silent expensive to add a young driver to an existing policy, and the bounty will increase, it can be cheaper than taking out a separate policy on your own. If you have your own car that isn ’ triiodothyronine driven by other members of your family, you may be able to get a disjoined policy through your parents ’ insurance company, though the rate will be different ( and most likely, higher ) .

Average cost of car insurance for 18-year-old male vs female

Your sex will besides have a fairly large shock on your insurance rates. And badly news for the guys : car policy for male drivers tends to be more expensive. An 18-year-old female with her own comprehensive policy and liability limits of 100/300/100 can expect to pay $4,772 per year, on average. A male driver of the same age and with the same policy can expect to pay $5,605 per year, on average — $833 more. Below is a close look at the monetary value of car indemnity for 18-year-old females vs. males by state for their own policies .

Auto Insurance for 18-year-old Females

State

Teen Policy

Alaska $4,181
Alabama $5,264
Arkansas $5,736
Arizona $5,005
California $5,823
Colorado $5,818
Connecticut $6,642
DC $5,338
Delaware $5,552
Florida $6,483
Georgia $5,277
Hawaii $1,411
Iowa $3,122
Idaho $4,168
Illinois $4,148
Indiana $3,915
Kansas $4,332
Kentucky $6,084
Louisiana $8,030
Massachusetts $4,876
Maryland $4,484
Maine $3,381
Michigan $9,417
Minnesota $3,930
Missouri $4,126
Mississippi $4,546
Montana $4,723
North Carolina $2,399
North Dakota $3,878
Nebraska $3,718
New Hampshire $4,796
New Jersey $4,683
New Mexico $5,315
Nevada $6,076
New York $4,204
Ohio $3,911
Oklahoma $5,745
Oregon $5,306
Pennsylvania $4,381
Rhode Island $7,190
South Carolina $4,559
South Dakota $4,288
Tennessee $4,853
Texas $5,210
Utah $4,520
Virginia $3,098
Vermont $3,519
Washington $4,179
Wisconsin $4,335
West Virginia $4,310
Wyoming $3,099
Auto Insurance for 18-year-old Male

State

Teen Policy

Alaska $5,027
Alabama $6,034
Arkansas $6,758
Arizona $5,892
California $7,007
Colorado $6,615
Connecticut $8,075
DC $6,713
Delaware $6,812
Florida $7,778
Georgia $6,478
Hawaii $1,411
Iowa $3,729
Idaho $5,035
Illinois $4,887
Indiana $4,816
Kansas $5,152
Kentucky $7,178
Louisiana $9,501
Massachusetts $4,876
Maryland $5,587
Maine $4,053
Michigan $9,560
Minnesota $4,819
Missouri $4,863
Mississippi $5,167
Montana $4,723
North Carolina $2,399
North Dakota $4,783
Nebraska $4,372
New Hampshire $5,648
New Jersey $5,304
New Mexico $6,252
Nevada $7,042
New York $5,617
Ohio $4,553
Oklahoma $6,777
Oregon $5,885
Pennsylvania $4,335
Rhode Island $8,524
South Carolina $5,612
South Dakota $5,388
Tennessee $5,726
Texas $6,159
Utah $5,304
Virginia $3,778
Vermont $4,301
Washington $4,773
Wisconsin $5,270
West Virginia $5,213
Wyoming $4,335

State minimum coverage for an 18-year-old

The come of policy coverage you legally need to carry varies by state but is the same regardless of your senesce. In about every state, you have to at least have liability coverage, which applies in situations where you are at fault for an accident. There are two components to indebtedness indemnity : Bodily injury indebtedness, which covers injuries to others, and property price liability, which covers damage to person else ’ randomness vehicle or property. It ’ randomness by and large shown in a format like 20/40/10, which translates to $ 20,000 in coverage per person injured in an accident, a maximum of $ 40,000 in coverage for the whole accident, and $ 10,000 in coverage for any property wrong. Keep in judgment that even though most states require a minimal tied of coverage, that might not amply protect you in an expensive accident, and it won ’ metric ton cover injuries to you or damage to your own property. Some states require extra coverage on acme of liability, such as personal injury protection ( PIP ) or uninsured/underinsured motorist coverage ( UM/UIM ). Below is a look at the minimum liability coverage required in each state for 18-year-olds ( and all other drivers ) .

Minimum liability car insurance requirements by state

State

Minimum Car Insurance Limits

Alabama Liability: 25/50/25
Alaska Liability: 50/100/25
Arizona Liability: 25/50/15
Arkansas Liability: 25/50/25
California Liability: 15/30/5
Colorado Liability: 25/50/15
Connecticut indebtedness : 25/50/25 UM/UIM BI : 20/40
Delaware indebtedness : 25/50/10 pip : 15/30
District of Columbia liability : 25/50/10 UM BI : 25/50
District of Columbia UMPD: $5,000
Florida liability : 10/20/10 pip : $ 10,000 BI indebtedness not required by Florida but many carriers require 10/20
Georgia Liability: 25/50/25
Hawaii liability : 20/40/10 PIP or PPO : $ 10,000
Idaho Liability: 25/50/15
Illinois liability : 25/50/20 UM BI : 25/50
Indiana Liability: 25/50/25
Iowa Liability: 20/40/15
Kansas Liability: 25/50/25
Kansas UM/UIM BI : 25/50 spot : $ 4,500 medical/ $ 900 knead loss
Kentucky indebtedness : 25/50/25 blip : $ 10,000
Louisiana Liability: 15/30/25
Maine liability : 50/100/25 UM/UIM BI : 50/100 medical payments : $ 2,000
Maryland indebtedness : 30/60/15 UM/UIM BI : 30/60 UMPD : $ 15,000 PIP $ 2,500
Massachusetts liability : 20/40/5 UM/UIM BI : 20/40 pip : $ 8,000
Michigan liability : 50/100/10 shoot : 6 choices from $ 50,000 to unlimited checkup PPI : $ 1,000,000
Minnesota liability : 30/60/10 UM/UIM BI : 25/50 blip : $ 40,000
Mississippi Liability: 25/50/25
Missouri liability : 25/50/10 UM BI : 25/50
Montana Liability: 25/50/20
Nebraska liability : 25/50/25 UM/UIM BI : 25/50
Nevada Liability: 25/50/20
New Hampshire* indebtedness : 25/50/25 UM/UIM BI : 25/50 checkup payments : $ 1,000 aesculapian payments : $ 1,000 *Insurance not mandatary in New Hampshire
New Jersey liability : 15/30/5 ( standard policy ) UM/UIM BI : 15/30

UMPD : $ 5,000 spot : $ 15,000

New Mexico Liability: 25/50/10
New York liability : 25/50/10 UM BI : 25/50 blip : $ 50,000
North Carolina Liability: 30/60/25
North Carolina UM BI : 30/60 UMPD : $ 25,000
North Dakota liability : 25/50/25 UM/UIM BI : 25/50 pip : $ 30,000
Ohio Liability: 25/50/25
Oklahoma Liability: 25/50/25
Oregon liability : 25/50/20 UM BI : 25/50 shoot : $ 15,000
Pennsylvania indebtedness : 15/30/5 First party benefits ( PIP ) : $ 5,000
Rhode Island Liability: 25/50/25
South Carolina indebtedness : 25/50/25 UM BI : 25/50 UMPD : $ 25,000
South Dakota indebtedness : 25/50/25 UM/UIM BI : 25/50
Tennessee Liability: 25/50/15
Texas Liability: 30/60/25
Utah Liability: 25/65/15
Utah PIP: $3,000
Vermont Liability: 25/50/10
Vermont UM/UIM BI: 50/100
Vermont UMPD: $10,000
Virginia liability : 25/50/20 UM/UIM BI : 25/50 UMPD : $ 20,000
Washington Liability: 25/50/10
West Virginia indebtedness : 25/50/25 UM BI : 25/50 UMPD : $ 25,000
Wisconsin liability : 25/50/10 UM BI : 25/50
Wyoming Liability: 25/50/20

Why is car insurance for 18-year-olds so expensive?

unfortunately, 18-year-olds have to pay higher car indemnity premiums than older drivers. But why ? car indemnity rates are based on how much risk certain drivers present, and younger drivers ( particularly young, male drivers ) tend to have higher accident rates, be involved in more expensive accidents, have worse drive records, etc. One particularly sober up statistic : Per nautical mile drive, drivers aged 16-19 are about three times ampere probable to be in a fatal crash as drivers aged 20 or older. In other words, 18-year old drivers – and young, inexperienced drivers in general – are statistically much riskier to insure. So premium reflect that hazard .

How to get cheap car insurance at 18-years-old?

flush though 18-year-olds give higher car indemnity rates, there are some ways you can ensure you pay the lowest rate possible. here are some ideas for getting cheap car indemnity for 18-year-olds .

Get added to your parents’ policy

Though your parents might not be thrilled about having their premiums go up, getting added to their policy is less expensive than taking out your own, separate policy .

Maintain good grades

If you ’ re finishing up high school or starting college, a solid report card can help lower your car policy rates. many insurers offer good scholar discounts to drivers who maintain at least a B average, which can lower your premium by up to 25 % .

Ask about “away” discounts

If you ’ re in school but not actually driving, you may get a pace reduction for leaving your car at home while you ’ re off on campus. This could knock off anywhere from 5 % to 30 % of your rate .

Drive safe

young drivers are ill-famed for racking up tickets and getting into accidents, thus keeping a clean drive record will go a hanker way toward keeping your cable car insurance premiums down .

Take a defensive driving course

As an add measuring stick, attending a course on safe or defensive drive ( which are separate from general driver ’ s education courses ) could score you an total car insurance discount of around 10 % to 15 %. sometimes, these classes can even be taken on-line for add appliance .

Choose your vehicle wisely

If you ’ re looking to keep your insurance costs low, cruising around in your syndicate ’ south battered minivan is a better option than a Mustang or brand newfangled Lexus. Fast and/or costly vehicles already come with senior high school indemnity rates, and your young age will only compound the cost .

Best cheap car insurance companies for 18-year-olds

Getting specific about the cost of car policy for 18-year-olds is street fighter since so many factors are at play. not alone does the driver ’ mho historic period, sex, vehicle, placement, level of coverage, and more affect the cost, but every insurance company has its own algorithm for setting premiums. That said, it is possible to get a general mind of what different car indemnity companies charge on the national floor. In the chart below, you ’ ll see how assorted insurers compare when it comes to their average rates for broad coverage policies for 18-year-old drivers .

Cheapest Car Insurance for 18 Year Olds

Company Average Rates Full Coverage

Average Rates Full Coverage

Concord $1,739
USAA $2,035
Liberty Mutual $2,082
Geico $2,273
North Carolina Farm Bureau $2,322
Erie $2,781
Mississippi Farm Bureau $2,858
New Jersey Manufacturers $2,927
Texas Farm Bureau $3,003
Owners Insurance $3,192
Travelers $3,476
New York Central $3,508
State Farm $3,563
MMG Insurance $3,681
Progressive $4,036
Depositors $4,211
AAA Texas County $4,423
Nationwide $4,495
Arbella $5,184
Allied $5,256
Kentucky Farm Bureau $5,404
Safeco $5,463
United Financial $5,513
Colonial County $5,660
Allstate $5,691
Oklahoma Farm Bureau $5,694
Louisiana Farm Bureau $5,754
Safety $6,110
Farmers $6,432
Metropolitan $6,921
Victoria $7,119
Safeway $7,278
Mid Century $7,635
Foremost $8,618
Amica $8,968

Frequently asked questions

Can an 18-year-old get their own car insurance?

The short answer is: Yes, an 18-year-old can get their own car insurance policy. In fact, there are companies that will sell policies to teens younger than 18, but state of matter laws dictate whether minors can sign for their own policies. So in some cases, a parent may need to co-sign. But as an 18-year-old, you ’ re an adult and can buy your own policy. Though you may like the idea of having a policy separate from your parents, it is significant to consider the price. It ’ second generally more expensive to get your own indemnity alternatively of getting added to an existing policy. still, if you are more concerned about establishing your fiscal independence ( or have no interest in driving the syndicate car ), a policy of your own may make the most sense .

How does car insurance for an 18-year-old compare to other ages?

certain, cable car insurance for 18-year-olds is expensive, but they don ’ t have it the worst. In general, the younger you are, the more expensive your car policy premiums will be. Sixteen-year-olds, for exemplify, are faced with the highest car insurance rates since they crash doubly vitamin a much as 18- and 19-year-olds. And, as you might have guessed, drivers over the historic period of 18 enjoy slenderly lower rates, on average. hera ’ s a closer expect at how much annual cable car indemnity premiums are for different long time groups :

  • 16-year-old – $3,989
  • 17-year-old – $3,522
  • 18-year-old – $3,148
  • 19-year-old – $2,178
  • 20-year-old – $1,945

Do car insurance rates go down after age 18?

Ok, you get it : cable car policy for 18-year-olds is expensive. so when can you expect rates to importantly decrease ? Twenty-five is usually the magic number since drivers this age or older are statistically less like to cause an accident and file a claim. As a leave, insurance premiums tend to be cheaper .

How much does it cost to add an 18-year-old to car insurance by state?

Being added to a parent ’ sulfur car insurance policy can help you save money on the overall cost of your premiums. even so, it ’ s not cheap to add a adolescent to an existing policy. You can expect the premium to increase by 130 %, on average, when adding an 18-year-old. Below, you can see how the cost of adding an 18-year-old to car indemnity varies by department of state .

Car Insurance Cost for an 18 year Old Female

State

Parent Policy

Parent Policy with Teen

Alaska $1,318 $2,718
Alabama $1,479 $2,591
Arkansas $1,550 $2,834
Arizona $1,533 $3,015
California $2,018 $3,589
Colorado $1,733 $3,016
Connecticut $1,914 $4,041
DC $1,690 $3,058
Delaware $1,736 $2,885
Florida $2,502 $4,199
Georgia $1,638 $3,016
Hawaii $1,287 $1,364
Iowa $1,054 $1,999
Idaho $1,105 $2,047
Illinois $1,208 $2,393
Indiana $1,237 $2,226
Kansas $1,408 $2,326
Kentucky $1,682 $3,019
Louisiana $2,547 $4,560
Massachusetts $1,469 $3,211
Maryland $1,615 $2,681
Maine $879 $1,572
Michigan $2,900 $5,096
Minnesota $1,233 $2,362
Missouri $1,350 $2,165
Mississippi $1,400 $2,305
Montana $1,530 $2,117
North Carolina $1,150 $1,933
North Dakota $1,155 $1,944
Nebraska $1,230 $1,887
New Hampshire $1,159 $2,371
New Jersey $1,595 $3,150
New Mexico $1,387 $2,566
Nevada $1,905 $3,805
New York $1,777 $3,256
Ohio $997 $1,680
Oklahoma $1,812 $3,237
Oregon $1,504 $2,680
Pennsylvania $1,503 $2,831
Rhode Island $1,939 $4,032
South Carolina $1,653 $2,897
South Dakota $1,226 $1,976
Tennessee $1,214 $2,456
Texas $1,618 $3,048
Utah $1,267 $2,264
Virginia $929 $1,669
Vermont $1,004 $2,145
Washington $1,269 $2,335
Wisconsin $1,148 $2,046
West Virginia $1,351 $2,378
Wyoming $1,384 $2,050
Car Insurance Cost for an 18 year Old Male

State

Parent Policy

Parent Policy with Teen

Alaska $1,318 $3,021
Alabama $1,479 $2,778
Arkansas $1,550 $3,036
Arizona $1,533 $3,468
California $2,018 $4,224
Colorado $1,733 $3,240
Connecticut $1,914 $4,695
DC $1,690 $3,519
Delaware $1,736 $3,257
Florida $2,502 $4,721
Georgia $1,638 $3,501
Hawaii $1,287 $1,364
Iowa $1,054 $2,252
Idaho $1,105 $2,338
Illinois $1,208 $2,654
Indiana $1,237 $2,503
Kansas $1,408 $2,563
Kentucky $1,682 $3,332
Louisiana $2,547 $5,047
Massachusetts $1,469 $3,211
Maryland $1,615 $3,073
Maine $879 $2,042
Michigan $2,900 $5,164
Minnesota $1,233 $2,569
Missouri $1,350 $2,465
Mississippi $1,400 $2,506
Montana $1,530 $2,117
North Carolina $1,150 $1,933
North Dakota $1,155 $2,206
Nebraska $1,230 $2,151
New Hampshire $1,159 $2,676
New Jersey $1,595 $3,538
New Mexico $1,387 $2,879
Nevada $1,905 $4,314
New York $1,777 $3,947
Ohio $997 $1,877
Oklahoma $1,812 $3,786
Oregon $1,504 $2,916
Pennsylvania $1,503 $2,831
Rhode Island $1,939 $4,702
South Carolina $1,653 $3,314
South Dakota $1,226 $2,297
Tennessee $1,214 $2,776
Texas $1,618 $3,419
Utah $1,267 $2,565
Virginia $929 $1,877
Vermont $1,004 $2,438
Washington $1,269 $2,515
Wisconsin $1,148 $2,370
West Virginia $1,351 $2,727
Wyoming $1,384 $2,422

Does an 18-year-old have to have full coverage?

Most states dictate that you have a minimal level of insurance coverage, which protects others in font you damage their property or cause bodily damage. however, there ’ s no law that says any driver has to have wide coverage. That said, it can be a thoroughly theme for younger drivers to get full coverage since they ’ re more likely to cause accidents. And indebtedness insurance doesn ’ t cover your own property or medical bills if you cause an accident, which means you could end up paying a batch out of pocket in that situation. Plus, some lenders require full coverage indemnity in club to lease or finance a vehicle .

How much is insurance on a sports car for an 18-year-old?

Sports cars are, in general, expensive to insure. Because they have a big measure of horsepower with the intention of driving fast, they ’ re a bad vehicle to insure. Plus, they tend to be valuable ( i.e., expensive to repair ). So whether you’re 18 or 80, it will be more expensive to insure a sports car than a more modest daily driver. however, if you ’ re a young and/or inexperienced driver, it will likely cost you even more to insure that fomite than for person older due to the added gamble .

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