Cheapest Car Insurance for 18-Year-Olds


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Key Takeaways

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Concord Group, Auto-Owners, State Farm, Travelers and Nationwide are the top five cheapest car insurance companies for 18-year-olds.

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Nationally, the cheapest car insurance rates for 18-year-olds start at $67 per month for minimum coverage and $122 monthly for full coverage, but some state rates are as low as $50 per month.

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Car insurance for 18-year-olds costs an average of $148 per month for minimum coverage and $300 for full coverage.

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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Cheapest Minimum Liability Car Insurance for 18-Year-Olds

Among national providers, State Farm offers the cheapest minimum liability car insurance for 18-year-olds at around $1,356 per year, 24% cheaper than average on family policies. Concord Group or Auto-Owners are more affordable options if you are in their service area.

Concord Group$67$81
Auto-Owners Insurance Co$88$60
State Farm$113$35
Encompass$132$17
Travelers$134$14
GEICO$138$10

Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

Cheapest Full Coverage Car Insurance For 18-Year-Olds

The cheapest full coverage auto insurance provider for 18-year-old drivers is Concord Group, which costs $1,464 per year when added to a family policy. However, the company has limited availability. Nationally, the most affordable companies are State Farm, Travelers and Nationwide.

Concord Group$122$178
Auto-Owners Insurance Co$195$105
State Farm$228$72
Travelers$280$20
Nationwide$290$10
GEICO$291$9

Rates are for a family policy for both male and female drivers with clean records and good credit insuring a 2012 Toyota Camry.

Cheapest Car Insurance for 18-Year-Olds by State

Depending on your state, the cheapest car insurance rates for you can range from $50 to $288 per month for an 18-year-old on a family policy. We've broken down the most affordable companies for this age group by state below.

South DakotaAllstate$50
ConnecticutGEICO$50
WisconsinAllstate$52
Hawaii21st Century$57
AlabamaGEICO$60
IowaAllstate$61
North DakotaAllstate$62
OhioAllstate$67
MississippiProgressive$67
MaineConcord Group$70
MassachusettsProgressive$71
ColoradoKemper$72
IndianaGEICO$73
NebraskaAllstate$74
New HampshireConcord Group$75
MontanaProgressive$78
MissouriGEICO$78
KansasNationwide$80
IllinoisTravelers$81
PennsylvaniaNationwide$83
WyomingAllstate$83
IdahoState Farm$84
ArkansasAllstate$88
New YorkKemper$92
VermontConcord Group$93
OregonGEICO$95
District of ColumbiaGEICO$95
North CarolinaState Farm$95
VirginiaNationwide$96
GeorgiaAllstate$96
UtahGEICO$96
ArizonaGEICO$97
TennesseeAllstate$98
Rhode IslandTravelers$100
MarylandProgressive$101
West VirginiaAllstate$102
KentuckyAllstate$104
WashingtonAllstate$109
New MexicoAllstate$110
OklahomaAllstate$118
AlaskaGEICO$120
DelawareGEICO$121
MichiganGEICO$125
MinnesotaAllstate$130
New JerseyTravelers$135
South CarolinaAuto-Owners Insurance Co$147
TexasState Farm$154
NevadaNationwide$175
CaliforniaState Farm$207
FloridaAllstate$230
LouisianaGEICO$288

Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry with minimum coverage.

Cheapest Car Insurance for 18-Year-Olds by Gender

Due to increased accident risks, 18-year-old male drivers typically pay higher insurance rates than female drivers of the same age. Below we've presented the cheapest national providers for both men and women in this age group.

Cheapest Car Insurance for 18-Year-Old Female Drivers

State Farm offers the most affordable national car insurance for 18-year-old women, with an annual savings of about 27% compared to the average. Female drivers tend to have lower insurance rates than their male counterparts at 18 years old. This is due to statistical data showing that young women are involved in fewer accidents.

Concord Group$64$76$117$165
Auto-Owners Insurance Co$80$60$177$105
State Farm$102$38$205$77
Travelers$118$22$252$30

Rates are for female drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

Cheapest Car Insurance for 18-Year-Old Male Drivers

For 18-year-old male drivers, State Farm offers the lowest monthly rate at $124 when added to a family policy. However, Concord Group and Auto-Owners have more affordable rates for eligible drivers. Men face higher premiums than women due to their statistically higher likelihood of being involved in accidents.

Concord Group$70$86$128$190
Auto-Owners Insurance Co$96$60$214$104
State Farm$124$33$251$67
Encompass$132$25$303$15
GEICO$140$16$300$19
Travelers$150$7$308$11

Rates are for male drivers with clean driving records and good credit insuring a 2012 Toyota Camry.

Cheapest Cars to Insure for 18-Year-Olds

If you're buying a new car for a teen driver, consider adding them to your policy with the safest, cheapest car to insure. Below, we've broken down the most affordable models by vehicle type for 18-year-old drivers.

Data filtered by:Results filtered by:
Coverage:
Coverage:State Minimum
Chevrolet CorvetteSports CarTravelers$1,065
Honda PassportSUVState Farm$1,118
Subaru ForesterCompact SUVState Farm$1,119
Volvo XC40Luxury SUVState Farm$1,121
MINI ElectricCompactTravelers$1,155
Subaru OutbackSedanState Farm$1,170
Nissan FrontierPickup TruckState Farm$1,175
BMW X3Luxury Compact SUVState Farm$1,180
Audi R8Luxury Sports CarTravelers$1,196
Mercedes C-ClassLuxury SedanState Farm$1,224
Honda OdysseyMinivanState Farm$1,227
Tesla Model XLuxury ElectricState Farm$1,230
Nissan LEAFElectricState Farm$1,278
BMW 1 SeriesLuxury CompactState Farm$1,280

Rates are for drivers with clean driving records and good credit.

Average Cost of Car Insurance for 18-Year-Olds

On average, you can expect annual car insurance costs for 18-year-olds to be around $1,776 for minimum coverage and $3,606 for full coverage. However, this average only represents drivers with clean driving records and good credit — your rate may vary based on your unique driver profile.

Car Insurance Cost for 18-Year-Olds by Coverage and Gender

Below, we've collected the average costs to add male and female 18-year-olds onto a family policy based on coverage level.

State Min - No comp_coll$157$140
State Min - 500 comp_coll$314$277
State Min - 1500 comp_coll$270$240
State Min - 1000 comp_coll$282$250
300/500/300,000 - No comp_coll$230$206
300/500/300,000 - 500 comp_coll$383$338
300/500/300,000 - 1500 comp_coll$339$301
300/500/300,000 - 1000 comp_coll$141$125
100/300/100,000 - No comp_coll$195$174
100/300/100,000 - 500 comp_coll$339$318
100/300/100,000 - 1500 comp_coll$339$301
100/300/100,000 - 1000 comp_coll$319$282

Liability limits expressed above (e.g., 100/300/100) refer to bodily injury liability per person, bodily injury liability per accident and property damage liability per accident, respectively. Numbers expressed after these limits are deductible amounts for both collision and comprehensive coverage.

Average Cost of Car Insurance for 18-Year-Olds by State

Average car insurance costs by state can range from $83 per month to $552 per month. This is due to several location-specific factors, such as crime, weather patterns and population density. To give you a general idea of the cost in your area, we've provided average costs by state in the table below.

Oklahoma$39$174$90$399
North Carolina$44$172$47$182
Colorado$54$212$105$406
Mississippi$42$180$76$336
Florida$91$404$147$660
Vermont$26$130$45$213
Delaware$58$215$135$508
Nevada$76$293$137$521
Louisiana$104$552$162$871
New York$72$246$109$379
West Virginia$47$190$82$334
South Carolina$77$278$109$397
New Jersey$89$339$127$487
New Mexico$42$184$74$322
Hawaii$19$83$22$98
Arkansas$40$175$75$337
Missouri$55$240$97$417
Connecticut$52$184$110$393
South Dakota$31$167$58$304
District of Columbia$54$214$117$457
Iowa$29$135$48$226
Indiana$35$143$62$241
Massachusetts$48$191$72$286
Rhode Island$65$233$139$499
Ohio$68$235$101$349
Michigan$94$377$131$520
Minnesota$41$178$66$273
Pennsylvania$37$180$60$277
Washington$59$201$100$334
Wisconsin$36$156$68$295
Montana$38$190$63$316
Kentucky$50$198$86$339
Arizona$55$218$93$365
Illinois$37$156$60$250
Virginia$61$227$86$318
Maryland$58$198$110$375
Georgia$49$196$91$365
Wyoming$26$177$37$247
Utah$65$242$111$410
New Hampshire$38$136$68$243
North Dakota$28$132$59$275
Nebraska$39$198$72$344
Maine$38$144$58$223
California$65$295$72$327
Tennessee$37$164$76$333
Kansas$38$177$66$310
Texas$62$258$106$444
Oregon$43$159$95$341
Idaho$29$114$60$231
Alaska$49$214$72$302
Alabama$47$202$86$366

Why Car Insurance Is Expensive for 18-Year-Olds

Car insurance for 18-year-olds is expensive because they are considered high-risk drivers. Teens — especially those aged 16 to 19 — have higher rates of accidents and violations, with fatal crashes nearly three times more likely than for older drivers. Risky behaviors like nighttime driving, speeding, distracted driving and not wearing seat belts contribute to these higher rates, especially for male drivers.

How to Save Money on Car Insurance for 18-Year-Olds

Teens pay more for car insurance than any other age group. Fortunately, there are steps teens and their families can take to lower the cost of their coverage. Here are the actions we recommend taking to get the most affordable coverage:

  1. 1
    Stay on a parent's policy

    Staying on a parent's policy often results in significantly lower rates due to the parent's longer insurance history and potential multi-car discounts. If the teen still lives at home and uses a family car — rather than owning their own vehicle — insurers usually let them stay on a family policy.

  2. 2
    Shop around as much as possible

    Comparing quotes from multiple auto insurance companies is one of the most effective ways to save money on car insurance. MoneyGeek's studies show price differences of up to 30% between the cheapest and most expensive policies for teens

  3. 3
    Find discounts you qualify for

    Eighteen-year-olds can qualify for many common car insurance discounts. Student discounts, young driver education courses and usage-based insurance programs can reduce costs by up to 40%.

  4. 4
    Choose a safe, older car

    Selecting a less expensive car with a good safety rating can significantly reduce insurance costs as they are cheaper to repair and considered lower risk.

  5. 5
    Adjust your coverage amount

    If you can afford to replace the car out of pocket, a liability-only car insurance policy can be an excellent way to save money. If you decide full coverage is right for you, you can raise your deductibles for a premium reduction.

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KEY CONSIDERATIONS WHEN SHOPPING: EXPERT TIP

Obtaining quotes from multiple insurance companies is a good idea to see which comes out as the best and cheapest for your specific profile. You also want to ensure the company has optional coverages that are good for a teen driver or any driver to have on their policy. They include roadside assistance and rental car coverage.

Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheap Car Insurance for 18-Year-Olds: Bottom Line

Car insurance for 18-year-olds is expensive, but teens and their families can find affordable coverage by comparing quotes, staying on a family policy, and exploring discounts. State Farm is the least expensive option among national providers for 18-year-old drivers, but shopping around is essential to securing the best rate.

Car Insurance for 18-Year-Olds: FAQ

Finding the best affordable car insurance for 18-year-olds can be daunting due to the risk factors that drive up premiums for this age group. We've answered some of the most frequently asked questions on the topic to assist you:

What is the cheapest car insurance for an 18-year-old?

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

Why is car insurance expensive for 18-year-old drivers?

Is car insurance more expensive for 18-year-old males?

Auto Insurance for 18-Year-Olds: Our Methodology

MoneyGeek used a sample driver profile to determine national and state averages for vehicle insurance for 18-year-old drivers. Using this information, we assist readers in selecting the best policy at the lowest price possible.

Data Sources and Depth

We collected data from each state's insurance department and Quadrant Information Services. The data consists of 4,284 price estimates from 100 different ZIP codes and six auto insurance providers.

Sample Driver Profile

MoneyGeek calculates yearly car insurance policy estimates based on a policyholder with the following characteristics:

  • Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven every year

To determine which companies provide the most affordable policies, MoneyGeek compared rates for 18-year-old drivers across different states. We made adjustments to this profile to reflect the differences in age, location and driving behavior.

Coverage Levels and Deductibles Explained

A deductible is the money you have to pay out of your own pocket before your insurance company will pay for your claim. Most drivers would benefit from purchasing full coverage vehicle insurance, which covers both collision and comprehensive damage.

For minimum liability coverages, we used state-required limits to judge which provider was most affordable. For full coverage, we used 100/300/100 liability limits with a $1,000 deductible for comprehensive and collision coverage when researching the cheapest providers. Liability limits of 100/300/100 stand for:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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