To help inform your search for car policy, we compared quotes for 18-year-olds considering factors such as old age, sex, insurance company and state. Erie, Geico and USAA were the cheapest companies based on our analysis of thousands of quotes from 29 insurers across the nation. In regulate to find the cheapest rates, we recommend shopping around to get quotes from multiple insurers .
Find insurance rates by:
{ “ backgroundColor ” : ” frosting ”, ” capacity ” : ” \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” full pad-none align-left clearfix\ ” \u003E\n\u003Cdiv class=\ ” twothird pad align-left clearfix\ ” \u003E\u003C\/p\u003E\n\n\u003Cp\u003ETo help inform your search for car policy, we compared quotes for 18-year-olds considering factors such as senesce, gender, insurance company and state of matter. Erie, Geico and USAA were the cheapest companies based on our analysis of thousands of quotes from 29 insurers across the nation. In order to find the cheapest rates, we recommend shopping around to get quotes from multiple insurers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” third base pad align-left clearfix\ ” \u003E\n\u003Cstrong\u003EFind insurance rates by : \u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” DropdownBox — root\ ” \u003E\n \u003Cdiv class=\ ” ReactComponent — root\ ” \u003E\n \u003Cdiv class=\ ” js-react-component-rendered js-react-component-DropdownBox\ ” data-component-name=\ ” DropdownBox\ ” \u003E\n \u003Cdiv class=\ ” Root-sc-z2gssf wGmOn\ ” \u003E\u003Cdiv class=\ ” InputDropdown — root DropdownBox — select\ ” \u003E\u003Cdiv class=\ ” InputDropdown — field \ ” \u003E\u003Cselect aria-label=\ ” selectedOption\ ” class=\ ” InputDropdown — select\ ” name=\ ” selectedOption\ ” \u003E\u003Coption value=\ ” # \ ” \u003ESelect an option\u003C\/option\u003E\u003Coption value=\ ” # company\ ” \u003ECompany\u003C\/option\u003E\u003Coption value=\ ” # gender\ ” \u003EGender\u003C\/option\u003E\u003Coption value=\ ” # state\ ” \u003EState\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\ ” application\/json\ ” class=\ ” js-react-component\ ” data-component-name=\ ” DropdownBox\ ” \u003E { \ ” title\ ” : \ ” Select an option\ ”, \ ” dropdownOptions\ ” : [ { \ ” label\ ” : \ ” Select an option\ ”, \ ” value\ ” : \ ” # \ ” }, { \ ” label\ ” : \ ” Company\ ”, \ ” value\ ” : \ ” # company\ ” }, { \ ” label\ ” : \ ” Gender\ ”, \ ” value\ ” : \ ” # gender\ ” }, { \ ” label\ ” : \ ” State\ ”, \ ” value\ ” : \ ” # state\ ” } ] } \u003C\/script\u003E\n\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n ”, ” padding ” : ” none ” }
How much is car insurance for 18-year-old drivers?
Full-coverage cable car indemnity for an 18-year-old driver costs an average $ 7,396 per class, or $ 616 a month. We found a $ 7,551 difference between annual rates from the cheapest insurance company, Erie, and the most expensive insurance company, Allstate. Price differences like this testify why it ‘s thus authoritative to compare indemnity quotes to make certain you get the best rates .
Find Cheap 18-Year-Old Auto Insurance Quotes
presently insured ?
|
Insurer |
Average cost per year |
|
|---|---|---|
 |
Erie | $3,173 |
 |
USAA | $3,963 |
 |
Geico | $4,224 |
 |
State Farm | $5,670 |
 |
Nationwide | $5,737 |
Show All Rows
Find the Cheapest Insurers for Young Drivers in Each State
- Erie offers the cheapest rates, at $3,173 annually, though it’s only available in 13 states.
- USAA, with an annual premium of $3,963, offers the second-cheapest rates among the insurers we looked at. However, the company only offers car insurance policies to current and former members of the military and their families.
- Geico, with an annual premium of $4,224, is the cheapest car insurance company for 18-year-olds that is widely available across the country.
How do car insurance rates for 18-year-olds compare to other ages?
Drivers under the age of 25 tend to have higher indemnity rates because they are considered more at-risk drivers. As you get older and have more years of driving under your swath, your insurance rates should start to drop .
For example, person who turns 18 years honest-to-god will, on average, see their annual rate decrease by $ 1,445 .
Average cost of car insurance for 18-year-old male vs. female drivers
The average cost of car policy for 18-year-old female drivers is cheaper than that for 18-year-old male drivers. For 18-year-olds, female drivers pay $ 7,030 per class on average, while male drivers pay $ 7,762 .
|
Age |
Annual rate, male |
Annual rate, female |
|---|---|---|
| 18 | $7,762 | $7,030 |
| 19 | $6,468 | $5,895 |
| 20 | $5,777 | $5,258 |
The Centers for Disease Control and Prevention found that the motive vehicle end rate for male drivers ages 16 to 19 is more than bivalent the rate for female drivers in that historic period group, making male teens a significantly higher risk to insurers .
however, some states — California, Hawaii, Massachusetts, Michigan ( in certain cities ), Montana, North Carolina and Pennsylvania — forbid insurers from using sex to determine car policy rates. Male and female drivers in these states should pay the same price for car insurance coverage, all else being peer.
Do car insurance rates go down at age 18?
Our analysis found that most young drivers see their insurance rates go down by 12 % when they turn 18. At 18 years previous, you pose less of a risk to insurers than newly licensed 16- and 17-year-olds do, and your rates reflect that .
New drivers are the exception to this rule. If you are a new driver at 18 years old and are getting cable car policy for the first gear time, you will likely pay more than a driver who was licensed at senesce 16 and has two years of driving have .
Cheapest auto insurance companies for 18-year-olds by state
Geico is the cheapest insurance company in three out of nine states, according to our analysis .
Best cheap car insurance for 18-year-olds by state
We found that North Carolina is the cheapest country for an 18-year-old to get cable car policy, with an annual bounty 54 % cheaper than the overall average. Michigan is by far the most expensive state, with annual car insurance costs for 18-year-olds about three times more expensive than average .
Can an 18-year-old get their own car insurance?
An 18-year-old can purchase their own car indemnity policy. however, we recommend getting added to your parents ‘ policy if possible, as it ‘s cheaper than taking out your own separate policy .
The average cost of adding an 18-year-old to a rear ‘s car policy policy is $ 3,020 per annum, but the average monetary value of an 18-year-old getting their own cable car policy is $ 7,396 per annum .
Parents will probably see a transfix in their rates when they add a adolescent driver to their policy, but by asking for discounts, they can help offset the increased monetary value. If the adolescent drives a separate car, for example, parents might be able to obtain a multi-car discount rate. And if parents opt to stay with the same insurance company for their adolescent ‘s car, they may be rewarded with a loyalty dismiss .
How to get cheap car insurance at 18 years old
Besides staying on your parents ‘ policy, the best strategy to get cheap car indemnity quotes is to shop around. Prices can differ by the thousands, so touch multiple insurers to compare rates .
however, there are a number of early strategies 18-year-olds can use to secure car indemnity deals :
Explore discount opportunities. Insurers offer many discounts for which you may be eligible. If you are an 18-year-old high school or college scholar, you can get a good student discount on car policy, provided you keep your GPA above a certain threshold .
college students who leave their cable car at their parents ‘ home during the academician class and attend a university more than 100 miles away can often get an away-from-home student discount, and possibly a low-mileage discount rate .
alternatively, if you ‘re financially mugwump from your parents and live individually from them, you can save on your car insurance policy by bundling it with your renters or homeowners indemnity .
Drive an affordable car. expensive cars cost more to repair, which means they besides cost more to insure. Our research found that the cars with the cheapest policy for 18-year-olds included SUVs like the Subaru Outback and the Buick Encore, and safer sports cars like the Mazda MX-5 Miata and the Volkswagen Golf GTI .
Increase your deductible. Another way to lower your indemnity rate is to elect a higher deductible. however, this means you will pay more out of pocket if you file a claim .
Use a telematics program. By sharing your driving data with your car insurance company via a telematics tracking device, you can prove that you ‘re a safe driver worthy of lower premiums. Usage-based car indemnity lets you earn significant discounts if you ‘re broadly a safe driver .
Reconsider how much coverage you need. Because 18-year-old drivers are statistically more likely to get into accidents, it ‘s by and large wise to buy a full-coverage policy that includes both collision and comprehensive policy. however, a minimum-coverage policy might work if you, like many young drivers, have an older cable car and repairs would cost more than the car is worth .
Get multiple rates. It ‘s always best to shop around and get quotes from multiple insurers to ensure you find the best rates and coverage .
Short-term car insurance for 18-year-olds
reputable car insurance companies do not sell short-run car policy. If you ‘re an 18-year-old driver and you see ads for one-day, one-week or one-month car policy, do n’t be tempted. indemnity policies by and large only come in six-month or annual terms, although you can typically cancel them at any time, and you can choose to pay monthly .
Methodology
We collected car policy quotes for thousands of ZIP codes across nine of the most populate states in the U.S. Our sample drivers were single male and female 18-year-olds who drove a 2015 Honda Civic EX and had clean drive records .
We compared rates for full-coverage policies with the following limits :
|
Coverage |
Limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
| Personal injury protection (PIP) | Minimum, when required by state |
The analysis included 29 insurance companies, and rates were only added to our list of average prices and recommendations if their policies were available in at least three of the nine states .
Our psychoanalysis pulled insurance rate data from Quadrant Information Services. The rates we collected were publicly sourced from insurance company filings and should alone be used for comparative purposes, as your own quotes may differ from our averages .
Frequently asked questions
What is the average monthly cost of car insurance for an 18-year-old?
An 18-year-old can expect to pay an average of $ 616 per calendar month for full-coverage car insurance. Erie offers the cheapest rates we found, at $ 264 per month.
Can an 18-year-old get car insurance on their own?
Yes, 18-year-olds can get car policy policies on their own. however, you could pay 60 % less if you share a policy with your parents or an older driver .