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Cheap auto insurance for teens

policy companies consider a driver ’ s age when determining their car indemnity premium in every state except Hawaii. On average, adolescent drivers pay higher policy premiums due to their inexperience behind the rack and increased act of crashes. According to the Centers for Disease Control ( CDC ), drivers between the ages of 16 and 19 are about three times more likely than drivers aged 20 or older to be involved in a fatal car crash. Since car insurance for teens tends to be expensive, young drivers and their parents may want to research several options to find the cheapest carriers available. fortunately, several car policy companies offer premiums for adolescent drivers well below average car insurance rates .

16- and 17-year-olds on their parents’ policy

Both 16-year-olds and 17-year-olds typically need to be insured under a parent ’ s policy since they are legally considered minors. Because these drivers are the most inexperienced of any long time group, average rates are generally higher for teens than for other ages. still, several of the state ’ s best car insurers offer bum indemnity for young teens. The companies showcased below chew over some of the cheapest car indemnity for teens added to their parents ’ policy, based on average rates collected and analyzed from Quadrant Information Services. In some states, indemnity companies are not allowed to use sex as a rate factor when calculating premiums .

Car insurance company Average annual full coverage premium for 16-year-old males Average annual full coverage premium for 16-year-old females Overall average annual full coverage premium
Nationwide $1,362 $1,100 $1,231
Erie $1,531 $1,178 $1,355
The Hartford $1,946 $1,898 $1,922
Geico $2,234 $1,785 $2,009

Note how average rates generally decrease for 17-year-old drivers in the table below :

Car insurance company Average annual full coverage premium for 17-year-old males Average annual full coverage premium for 17-year-old females Overall average annual full coverage premium
Nationwide $1,226 $988 $1,107
Erie $1,362 $1,028 $1,195
The Hartford $1,590 $1,553 $1,572
USAA $1,729 $1,470 $1,599

The rates above reflect the annual modal price for a adolescent driver added to a parents ’ policy, consisting of three drivers and one cable car. Each pace calculation determined the remainder in premium before and after the adolescent was added, with the difference representing the measure that the policy company is charging for the adolescent. note that the rates above would change if parents added another fomite to the policy. The type and total of vehicles you insure are crucial factors that affect the price of car insurance .

18- and 19-year-olds on their own policy

18-year-old and 19-year-old drivers by and large have more road experience than younger teens and, due to their age and condition as legal adults, typically have the option to remain on a rear ’ s policy or purchase their own. Because their average car policy rates still tend to be higher than for more experienced adult drivers, 18- and 19-year-old drivers may benefit from seeking coverage from the companies in the tables below, which offer cheap car policy for teens in this old age image on average. The average cost of car insurance for 18- and 19-year-olds on their own policy is $ 5,247 and $ 4,146 for full coverage, or $ 1,655 and $ 1,254 for minimal coverage, respectively. The rates below constitute 18- and 19-year-old renters on their own policy .

Car insurance company Average annual premium for minimum coverage for 18-year-olds Average annual premium for full coverage for 18-year-olds
Erie $904 $2,953
USAA $1,049 $3,367
Auto-Owners $1,086 $3,531
Geico $1,011 $3,675

even at 19-years-old, drivers will broadly pay more than the national average annual premium for wide coverage, although premiums do continue to course down :

Car insurance company Average annual premium for minimum coverage for 19-year-olds Average annual premium for full coverage for 19-year-olds
Erie $776 $2,601
USAA $777 $2,637
Amica Mutual $865 $3,656
Auto-Owners $900 $3,004

While surely less expensive than insuring 16- and 17-year-old drivers, 18- and 19-year-olds may however benefit from remaining on their parents ’ policies. however, if an 18- or 19-year-old driver moves out of their parents ’ family ( except for going to college ), most policy companies will require that they get their own policy, separate from their parents .

How much does car insurance cost for teen drivers?

In addition to long time, gender and localization tend to be major factors that policy companies use to determine the cost of car policy for adolescent drivers. however, keep in thinker that insurers are prohibited from using a driver ’ sulfur ZIP code as a rate factor in California and Michigan, and using sex as a rat gene is prohibited in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania. male drivers are broadly considered higher risk than female drivers, careless of their historic period group, and as a result, the average cost of their car insurance tends to be higher. The modal 18-year-old male driver pays more than $ 800 more for broad coverage than a female driver. The table below illustrates how gender might impact average rates for a adolescent driver :

Age Average annual full coverage premium for males Average annual full coverage premium for females
16-year-old* $2,783 $2,280
17-year-old* $2,612 $2,141
18-year-old $5,650 $4,844
19-year-old $4,487 $3,807

*16- and 17-year-old drivers on their parents ’ policy. 18- and 19-year erstwhile drivers on their own policy .

Why does car insurance cost more for male drivers?

policy carriers partially base agio calculations on statistical data, which is why male drivers tend to pay more on average than females. statistically, male drivers are more likely to get into accidents than female drivers, which tend to be more serious. According to research from the CDC, the motive fomite death rate for males aged 16 to 19 was about two times the death rate for females in the same historic period group. The riskier drive behavior of male drivers combined with unseasoned drivers ’ lack of have makes adolescent males particularly dearly-won to insure. however, by shopping around, looking for scholar discounts, comparing quotes and even switching car indemnity companies, young male drivers could make significant strides toward achieving bum car policy .

How teens can save on car insurance

The price of insuring a adolescent driver can be daunting. policy companies know this and broadly offer several discounts for policyholders to take advantage of to lower their premiums. By understanding what save programs your insurance mailman has available, you may be able to reduce the cost of insuring a adolescent driver. Teens may keep car insurance rates low by keeping fairly repel records and looking for scholar discounts .

Good student discounts

many policy carriers offer student discounts for drivers aged 16 to 24 who are enrolled in school full-time and maintain a certain mark point average. Carriers have varying eligibility requirements, so it is constantly best to ask your provider what the exact requirements are to qualify for this rebate. The board below illustrates merely how cost-efficient these programs can be :

Age Average annual full coverage premium before good student discount Average annual full coverage premium after good student discount Difference
16-year-old $2,531 $2,119 -16%
17-year-old $2,376 $1,994 -16%

*16- and 17-year-old drivers on their parents ’ policy .

Distant student discounts

Students who attend a school away from home and do not have a car with them may qualify for this dismiss. While this rebate is most common with college students, younger teens who attend schools away from home plate might besides qualify. such programs normally stipulate the utmost age and minimal distance from home that students must be to qualify. For model, a distant scholar platform may require that a student be under 25 and be at least 100 miles away from home to qualify. The following table illustrates the average savings you can expect by enrolling in such a program :

Age Average annual full coverage premium before distant student discount Average annual full coverage premium after distant student discount Difference
18-year-old $1,975 $1,911 -3%
19-year-old $1,528 $1,483 -3%

*18- and 19-year-old drivers on their parent ’ sulfur policy .

Additional discounts

In addition to education-related discounts, adolescent drivers can take advantage of early discounts to help lower the cost of indemnity. Depending on your indemnity carrier wave, you may be eligible for the following :

  • Safe driving discount: Insurance carriers may offer safe driving discounts for policyholders with clean driving records, meaning no accidents or traffic violations in the past three to five years. If you’re a good driver, you may qualify for this discount.
  • Multi-car and multi-policy discounts: These two discounts are some of the biggest contributors to teens earning cheap car insurance while on their parents’ policy. If their parents have more than one car, their auto policy likely qualifies for a multi-car discount. Similarly, if they have homeowners, condo owners or renters insurance policy with the same company, they may qualify for a bundling
  • Driver’s education discount: Policyholders who complete a qualifying driver training course may be eligible for some companies’ driver’s education discount.
  • Telematics: Whether or not you have a clean driving record, you may qualify for a telematics program. These programs use a device to track your driving in real-time and award discounts for safe driving.

You may be wondering how to get these car insurance discounts. Always refer to your policy carrier ’ south list of available discounts to understand eligibility requirements. If you are diffident what discounts your mailman offers or what discounts you qualify for, you may want to call your agent or your policy company ’ south customer service department to confirm .

Frequently asked questions

What is the best car insurance company for teen drivers?

The best car indemnity company largely depends on your specific needs. When selecting the best brassy cable car policy for teens, you might want to consider what coverage options are available, the average cost for coverage and what discounts are offered. It may besides be cheaper to keep a adolescent driver on their parents ’ policy until they have moved out of the family .

What factors affect the price of car insurance?

Some of the primary factors that normally affect car insurance premiums are driving history, claims history and fomite type. Some states besides use ZIP code, sex, age and recognition sexual conquest as rate factors. Since each driver has different characteristics, the price of car policy typically varies importantly among policyholders .

Should I add my teenager to my car insurance policy?

While teenagers can sometimes purchase their own indemnity policy, depending on their age, it is by and large more cost-efficient for them to be added to a parents ’ policy. If you are uncertain how to insure your adolescent driver, contacting your indemnity ship’s company can help. Your carrier may be able to provide you a quote for your adolescent being added to your policy deoxyadenosine monophosphate well as insuring them on their own policy, so you can compare the coverages and premiums to make a decision .


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on male and female drivers aged 16-19 with clean drive records, good credit rating and the follow 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 minimal coverage limits, Bankrate used minimum coverages that meet each department of state ’ s requirements. Our sample distribution drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. These are sample distribution rates and should be used for relative purposes entirely. Your quotes may be different.

Rates are determined based on 2021 Quadrant Information Services datum. sex : The following states do not use sex as a determining factor in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania. age : Rates were calculated by evaluating our basal profile with the ages 18-60 ( free-base : 40 years ) applied. Depending on senesce, drivers may be a renter or homeowner. Rates for the 16- and 17-year-olds were determined based on the add cost to their 40-year-old parents ’ policy .

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