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Get started on Insure.com While it may not always make sense for a adolescent driver to purchase a stand-alone policy, looking at those rates can give you a smell of how much car insurance costs for adolescent drivers and how much prices vary. With this in mind, NerdWallet checked car insurance rate estimates from the largest car insurers in all 50 states, plus Washington, D.C. We analyzed rates for conjectural male and female teenagers driving a 2017 Toyota Camry LE with no tickets or traffic violations. While it ’ s cheaper for a adolescent to stay on a parent ’ second or defender ‘s policy, in our analysis, these numbers can provide a benchmark for car policy costs.
How much is car insurance for teen drivers?
Mile for mile, adolescent drivers get into car crashes four times ampere often as drivers 20 and older, according to the Insurance Institute for Highway Safety. Further, car accidents are the leading induce of death for teenagers in the U.S., according to the Centers for Disease Control and Prevention. That all translates to higher indemnity costs for teens, but how much depends on the state where the adolescent lives, sex and long time, and whether the adolescent is the primary policyholder, among other factors. Our analysis shows that a newly licensed 16-year-old driver can pay an average of 44 % more for broad coverage than a more seasoned 19-year-old driver. While the monetary value of cable car policy for adolescent drivers varies wide by state, here are the average annual prices we found for both fully and minimal coverage, by historic period :
- 16-year-olds : $ 6,613 for full moon coverage ; $ 2,733 for minimum coverage .
- 17-year-olds : $ 5,373 for full coverage ; $ 2,206 for minimum coverage .
- 18-year-olds : $ 4,837 for full coverage ; $ 1,938 for minimal coverage .
- 19-year-olds : $ 3,716 for fully coverage ; $ 1,451 for minimal coverage .
Full coverage insurance policies in our analyses include comprehensive and collision coverage, equally well as uninsured/underinsured motorist protection and increased liability limits. Minimum coverage policies include state-mandated coverage merely.
Cheapest car insurance for teen drivers from large companies
To determine the cheapest insurers for adolescent drivers, we first looked at large companies that are available in about every state of matter. The five largest car indemnity companies in the state are Allstate, Geico, Progressive, State Farm and USAA. however, USAA insures active military members, veterans and their families only. Below we ’ ve ranked the largest companies, excluding USAA, from cheapest to most expensive based on average annual prices for both full and minimal coverage .
| Geico | ||
| long time | average entire coverage rate | average minimum coverage pace |
| 16 | $ 4,148 | $ 1,574 |
| 17 | $ 3,566 | $ 1,333 |
| 18 | $ 3,158 | $ 1,167 |
| 19 | $ 2,533 | $ 916 |
| state farm | ||
| long time | average broad coverage rate | average minimal coverage rate |
| 16 | $ 6,329 | $ 2,613 |
| 17 | $ 4,922 | $ 2,007 |
| 18 | $ 4,414 | $ 1,774 |
| 19 | $ 3,455 | $ 1,365 |
| Allstate | ||
| long time | average fully coverage rate | average minimum coverage rate |
| 16 | $ 7,779 | $ 2,892 |
| 17 | $ 6,356 | $ 2,278 |
| 18 | $ 5,545 | $ 1,831 |
| 19 | $ 4,299 | $ 1,327 |
| progressive | ||
| age | average fully coverage pace | median minimum coverage rate |
| 16 | $ 9,139 | $ 3,460 |
| 17 | $ 7,684 | $ 2,874 |
| 18 | $ 6,514 | $ 2,393 |
| 19 | $ 3,911 | $ 1,417
Read more: The 7 Best Car Insurance Companies (2022) |
Coming from a large caller doesn ’ thyroxine make an policy policy better — local anesthetic and regional insurers frequently have the cheapest rates in those areas. Before choosing a car policy company, make sure to shop around for quotes to find the cheapest insurance company in your department of state.
Cheapest car insurance for teen drivers by state
The cheapest car policy caller for a adolescent varies depending on the department of state. For case, the cheapest average entire coverage rate for a adolescent driver in Hawaii is around $ 950 per annum, while the cheapest average rate in Alabama is over $ 3,000. Use the map to see the cheapest cable car indemnity caller for adolescent drivers based on average annual full coverage rates.
Average cost of car insurance for 16-year-olds
Sixteen-year-old drivers are the most expensive to insure because they are minimally experienced. Hawaii is the cheapest state for both full and minimum annual coverage policies for 16-year-olds because the state does n’t allow the use of age to price cable car insurance. The average fully coverage rate in the state is between $ 1,000 and $ 1,100 for a driver of any age. meanwhile, Louisiana is the most expensive state for annual full coverage policies for teenagers. average full coverage rates for a stand-alone policy are over $ 11,500 per class. If you ’ re a 16-year-old driver in Louisiana, it ’ sulfur highly recommended that you try to get on an adult ’ sulfur car indemnity policy to take advantage of multidriver and other discounts. See how your state stacks up for full and minimal coverage rates for 16-year-old drivers .
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Average cost of car insurance for 17-year-olds
While not american samoa dearly-won as for a 16-year-old, cable car insurance for a 17-year-old driver will be a goodly kernel. The national annual average rate for a 17-year-old is precisely over $ 5,370 for full coverage and $ 2,206 for minimum coverage. Besides Hawaii, North Carolina has the lowest annual average rate for a full-coverage policy for a 17-year-old at merely under $ 2,660. The cheapest annual minimum coverage rate for a 17-year-old in Iowa is just over an average of $ 930. On the other end of the spectrum, Louisiana has the highest average full coverage rates for 17-year-olds — $ 9,255 for a 12-month, full-coverage policy. Michigan has the most expensive annual minimum coverage pace at equitable under $ 4,070, on average. See how your country stacks up for full moon and minimal coverage average rates for 17-year-old drivers.
Average cost of car insurance for 18-year-olds
The home annual average rate for an 18-year-old driver with full coverage is good over $ 4,830, while the average rate for minimum coverage is $ 1,940 per year. Besides Hawaii, North Carolina offers the cheapest average full coverage rate at $ 2,398 annually, and Iowa offers the cheapest minimum coverage at $ 812. Louisiana has the most expensive rate for full coverage, while Michigan is highest for minimum coverage. See how your country stacks up for full moon and minimal coverage average rates for 18-year-old drivers.
Average cost of car insurance for 19-year-olds
Nineteen-year-old drivers are the cheapest teenagers to insure because they typically have been licensed longer and have more know on the road. The average annual national rate for a broad coverage policy for a 19-year-old is about $ 3,717. A 12-month, minimum-coverage policy averages to about $ 1,451. Besides Hawaii, the cheapest state for a 19-year-old driver is North Carolina, which averages $ 1,490 per annum for full coverage and slenderly under $ 550 per annum for minimum coverage. interim, Louisiana has the most expensive full coverage average — over $ 6,240 per year. Michigan has the most expensive minimum coverage policy for an 18-year-old, averaging about $ 2,890 a year. See how your country stacks up for modal full and minimum coverage rates for 19-year-old drivers .
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Why is car insurance for young men so expensive?
Young women can pay a lot for cable car policy, but in general, young men see some of the highest car policy rates among people with clean drive records. In part, that ’ randomness because they are inexperienced and do n’t have a drive record for insurers to use to set rates. When insurance companies can ’ metric ton character a force criminal record to determine how probable you are to file a claim, they rely on statistics to gauge risk and plant prices. A newly licensed adolescent receives high policy quotes because his peers file a distribute of claims, more expensive claims or both. male teenagers cause crashes at higher rates than any other group. Teens ages 16 to 19 cause about three times as many fatal accidents as adults 20 and over, according to data from the Insurance Institute for Highway Safety. Teenage boys caused roughly two-thirds of those crashes in holocene years, down from 75 % in 1975, the data shows. In summation to the risk that they will crash, teens typically lack a credit rating history, are unmarried and have n’t completed as much education — all of which can increase car indemnity rates. See below for how the exceed five car indemnity companies stack up for female and male adolescent drivers, for both full and minimum coverage policies .
| average annual full coverage rates by sex from the five largest U.S. car insurers | ||
|---|---|---|
| company | Female adolescent drivers | male adolescent drivers |
| Allstate | $ 5,563 | $ 6,427 |
| Geico | $ 3,126 | $ 3,577 |
| progressive | $ 6,454 | $ 7,170 |
| country farm | $ 4,328 | $ 5,232 |
| USAA* | $ 3,253 | $ 3,556 |
| *USAA is available only to military, veterans and their families . | ||
| average annual minimum coverage rates by sex from the five largest U.S. car insurers | ||
|---|---|---|
| company | Female adolescent drivers | male adolescent drivers |
| Allstate | $ 1,991 | $ 2,174 |
| Geico | $ 1,180 | $ 1,316 |
| progressive | $ 2,440 | $ 2,632 |
| express farm | $ 1,759 | $ 2,120 |
| USAA* | $ 1,288 | $ 1,369 |
| *USAA is available entirely to military, veterans and their families . | ||
How teens can save on car insurance
If you ’ re a adolescent driver, the best way to save on car indemnity is to get on a parent ‘s or defender ’ randomness policy policy. If that isn ’ t an option for you, start by shopping approximately for multiple car insurance quotes to find the cheapest pace. When shopping for car policy, be on the lookout for possible discounts, including :
- good class dismiss. Some car insurers offer discounts for maintaining a high gear GPA or getting straight As .
- defensive repel discount. If you take a defensive drive course, some car indemnity companies may offer you a rebate on your rate .
- student away-at-school discount rate. If you ’ re enrolled in college or go to school aside from home, you could qualify for a student-away dismiss .