Which insurance companies offer the most affordable rates for teen drivers?

State Farm often emerges as the top pick for affordable individual policies across multiple age groups. However, for family policies, both Nationwide and GEICO stand out. Always compare quotes since the cheapest provider can differ based on your state.

Why are car insurance premiums higher for teen drivers?

Teen drivers are seen as high-risk by insurers due to their inexperience and the higher likelihood of accidents. This risk leads to steeper premiums compared to more seasoned drivers.

How can teen drivers earn discounts on car insurance?

Several discounts are tailored for teen drivers. Good student discounts, defensive driving discounts and telematics-based programs are some examples. It's worth checking with your insurer about all available discounts.

Can a teen driver get an insurance policy?

Teenagers under 18 can't sign insurance contracts on their own, but they can have a policy co-signed by a parent or guardian. While this gives them an individual policy, adding them to a family plan might offer more savings.

Are there benefits to choosing a specific type of car for a teen driver?

The car's make and model impact insurance costs. Cars with good safety ratings can lower premiums, while luxury or high-speed cars might increase them. It's wise to research and choose vehicles known for safety and reliability.

Cheapest Car Insurance for Teens 2023

For the cheapest car insurance for teenage drivers, consider State Farm, Nationwide and GEICO. Despite teens facing higher rates, these insurers often provide competitive offers. Shop around to find the best deal.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Fact Checked

By Mark Friedlander, Insurance Information Institute, Director, Corporate Communications, Insurance Information Institute

Updated: Nov 22, 2023

5 Expert Contributions

Nationwide and GEICO offer the cheapest full coverage family car insurance policy for teen drivers. However, on an individual policy, teen drivers can find the most affordable average rates with State Farm.

An individual teen policy costs $4,866 per year on average, while adding a teen to a family policy averages $3,048 annually. The teen's gender also influences the rate; male teens are generally 13% more expensive to insure than females, largely because they are statistically more likely to engage in risky driving behavior.

CheapestCar InsuranceFor Teens

2023

Cheapest Car Insurance For Teens

Cheapest for 16-Year-Olds - Nationwide

Cheapest for 17-Year-Olds - Nationwide

Cheapest for 18-Year-Olds - GEICO

Cheapest for 19-Year-Olds - Nationwide

Average Cost of Car Insurance for Teens

Car Insurance Discounts for Teens

Key Takeaways

For families with 16- to 17-year-old drivers, opting for a family car insurance policy is a wise choice. It streamlines coverage and generally saves money with a single, comprehensive plan.

Car choice and driving behavior influence teen insurance premiums, with safe, inexpensive vehicles and defensive driving courses potentially reducing costs.

Numerous discounts are available for teen drivers, including good student and telematics-based discounts — shopping around will help you find the best deal.

Cheapest Car Insurance for Teens

MoneyGeek found that Nationwide and GEICO are the cheapest options on average for families looking to add a teen to a car insurance policy. However, the cheapest options could change depending on the teen driver's age and state.

Teen drivers typically face the highest car insurance premiums compared to other age groups. Their relative inexperience on the road, coupled with statistics showing they are more prone to accidents, classifies them as high-risk for insurers.

Opting for a family car insurance policy is generally more cost-effective than securing individual coverage for a teenager. Insurance companies often offer multi-car and multi-driver discounts, which can substantially lower the overall premium — adding a teen to a family policy could result in a 10-20% discount on the total cost. This bundled approach also simplifies management, as there's only one renewal date and one premium payment to remember.

CHEAPEST CAR INSURANCE FOR TEENS - BY AGE

Cheapest for 16-year-olds: Nationwide for a family policy, State Farm for an individual policy Cheapest for 17-year-olds: Nationwide for a family policy, State Farm for an individual policy Cheapest for 18-year-olds: GEICO for a family policy, State Farm for an individual policy Cheapest for 19-year-olds: Nationwide for a family policy, State Farm for an individual policy

Cheapest Car Insurance for 16-Year-Old Teens

The cheapest car insurance companies for 16-year-old drivers are:

On a family policy: Nationwide ($2,718 annually)
On an individual policy: State Farm ($3,732 annually)

Car insurance for 16-year-olds is often more expensive due to their limited driving experience and higher risk profile. However, there are ways to manage these costs. Families can add 16-year-olds to their existing policies for discounts or choose cars that are cheaper to insure. Compare rates and coverage options to find the most cost-effective solution.

Coverage

Company	Family Premium	Individual Premium	Increase in Premium
GEICO	$689	$1,306	$617
Nationwide	$705	$1,364	$659
State Farm	$775	$940	$166
Travelers	$777	$1,361	$583
Progressive	$795	$1,710	$915
Allstate	$902	$1,828	$926
Farmers	$906	$2,332	$1,426
GEICO	$2,472	$4,679	$2,208
Nationwide	$2,598	$4,990	$2,392
State Farm	$2,687	$3,291	$604
Nationwide	$2,718	$5,108	$2,390
GEICO	$2,936	$5,463	$2,527
Nationwide	$2,949	$5,584	$2,635
State Farm	$3,055	$3,732	$678
Travelers	$3,056	$5,048	$1,991
Allstate	$3,061	$5,932	$2,871
Farmers	$3,086	$7,741	$4,655
Progressive	$3,137	$6,919	$3,781
GEICO	$3,232	$6,013	$2,781
Allstate	$3,292	$6,583	$3,291
State Farm	$3,430	$4,182	$752
Travelers	$3,436	$5,622	$2,186
Progressive	$3,454	$7,481	$4,027
Allstate	$3,561	$7,212	$3,651
Farmers	$3,562	$8,864	$5,301
Travelers	$3,700	$6,140	$2,440
Progressive	$3,717	$8,068	$4,351
Farmers	$4,064	$10,178	$6,113

Cheapest Car Insurance for 16-Year-Olds by State

The cheapest insurance can vary widely based on your state. Nationwide offers the cheapest insurance for 16-year-olds in 17 states, while Allstate and GEICO are the cheapest options in eight and seven states, respectively.

Browse the table below to find which company is cheapest on average where you live. Parents should also note that teens with learners' permits may not be able to be formally added to an insurance policy. In this case, they would likely be covered by permissive use.

Gender

Coverage

State	Company	Family Premium	Individual Premium	Increase in Premium
Alabama	Nationwide	$1,711	$3,431	$1,720
Alabama	Nationwide	$1,747	$3,503	$1,756
Alabama	GEICO	$1,692	$5,337	$3,645
Alabama	Nationwide	$1,871	$4,019	$2,149
Alabama	Nationwide	$1,909	$4,103	$2,194
Alabama	GEICO	$1,807	$5,315	$3,508
Alaska	State Farm	$1,930	$2,642	$712
Alaska	State Farm	$2,144	$2,935	$791
Alaska	State Farm	$1,825	$2,498	$673
Alaska	GEICO	$2,109	$3,869	$1,760
Alaska	GEICO	$2,411	$4,422	$2,011
Alaska	GEICO	$2,159	$3,962	$1,803
Arizona	Travelers	$1,667	$3,104	$1,436
Arizona	Travelers	$1,799	$3,351	$1,551
Arizona	Travelers	$1,638	$3,048	$1,410
Arizona	Travelers	$1,988	$3,792	$1,804
Arizona	Travelers	$2,146	$4,094	$1,948
Arizona	Travelers	$1,953	$3,724	$1,771
Arkansas	Nationwide	$1,621	$3,351	$1,730
Arkansas	Nationwide	$1,659	$3,430	$1,771
Arkansas	State Farm	$1,639	$2,271	$632
Arkansas	Allstate	$1,753	$6,682	$4,929
Arkansas	Allstate	$1,794	$6,837	$5,043
Arkansas	Allstate	$1,831	$6,977	$5,145
California	State Farm	$3,021	$3,333	$312
California	GEICO	$3,104	$3,570	$466
California	State Farm	$2,639	$2,911	$272
California	State Farm	$3,021	$3,333	$312
California	GEICO	$3,267	$4,185	$918
California	State Farm	$2,639	$2,911	$272
Colorado	Kemper	$2,006	$6,628	$4,622
Colorado	GEICO	$2,338	$8,641	$6,303
Colorado	GEICO	$1,824	$6,746	$4,921
Colorado	Kemper	$1,386	$7,734	$6,348
Colorado	Kemper	$1,688	$9,419	$7,731
Colorado	Kemper	$1,318	$7,353	$6,036
Connecticut	GEICO	$1,324	$8,570	$7,246
Connecticut	GEICO	$1,522	$9,847	$8,326
Connecticut	GEICO	$1,018	$6,598	$5,579
Connecticut	GEICO	$1,890	$10,193	$8,302
Connecticut	GEICO	$2,173	$11,711	$9,539
Connecticut	GEICO	$1,454	$7,847	$6,393
Delaware	State Farm	$2,546	$3,353	$807
Delaware	State Farm	$2,853	$3,758	$904
Delaware	State Farm	$2,180	$2,871	$691
Delaware	GEICO	$3,096	$7,593	$4,497
Delaware	GEICO	$3,372	$8,270	$4,898
Delaware	GEICO	$2,688	$6,593	$3,905
District of Columbia	GEICO	$1,712	$3,713	$2,001
District of Columbia	GEICO	$1,768	$3,836	$2,068
District of Columbia	GEICO	$1,731	$3,756	$2,024
District of Columbia	GEICO	$1,836	$3,782	$1,946
District of Columbia	GEICO	$1,897	$3,907	$2,011
District of Columbia	GEICO	$1,857	$3,825	$1,968
Florida	Nationwide	$3,822	$6,902	$3,080
Florida	Nationwide	$4,471	$8,072	$3,601
Florida	GEICO	$2,599	$2,763	$164
Florida	Nationwide	$4,306	$8,646	$4,340
Florida	Nationwide	$5,037	$10,112	$5,075
Florida	GEICO	$2,627	$2,979	$352
Georgia	Allstate	$1,649	$5,561	$3,912
Georgia	Allstate	$1,807	$6,093	$4,286
Georgia	Allstate	$1,529	$5,154	$3,626
Georgia	Allstate	$1,726	$4,834	$3,107
Georgia	Allstate	$1,892	$5,297	$3,405
Georgia	Allstate	$1,600	$4,480	$2,880
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Idaho	State Farm	$1,043	$1,418	$376
Idaho	State Farm	$1,076	$1,464	$388
Idaho	State Farm	$926	$1,260	$333
Idaho	State Farm	$1,325	$1,807	$482
Idaho	State Farm	$1,367	$1,865	$498
Idaho	State Farm	$1,177	$1,605	$428
Illinois	Progressive	$1,873	$4,388	$2,515
Illinois	Progressive	$2,007	$4,704	$2,697
Illinois	State Farm	$1,795	$2,586	$791
Illinois	Progressive	$2,022	$4,801	$2,780
Illinois	Progressive	$2,166	$5,147	$2,980
Illinois	Progressive	$2,074	$4,923	$2,849
Indiana	Nationwide	$1,622	$3,646	$2,024
Indiana	Nationwide	$1,798	$4,041	$2,243
Indiana	GEICO	$1,581	$4,665	$3,084
Indiana	Nationwide	$1,779	$4,253	$2,474
Indiana	Nationwide	$1,972	$4,714	$2,742
Indiana	GEICO	$1,730	$4,936	$3,207
Iowa	State Farm	$1,427	$1,884	$456
Iowa	State Farm	$1,443	$1,902	$459
Iowa	State Farm	$1,392	$1,839	$447
Iowa	Allstate	$1,717	$5,365	$3,649
Iowa	Allstate	$1,796	$5,613	$3,818
Iowa	Allstate	$1,743	$5,445	$3,702
Kansas	Nationwide	$1,066	$2,021	$955
Kansas	Nationwide	$1,059	$2,008	$949
Kansas	Nationwide	$1,281	$2,428	$1,147
Kansas	Nationwide	$1,150	$2,372	$1,222
Kansas	Nationwide	$1,143	$2,357	$1,214
Kansas	Nationwide	$1,381	$2,849	$1,468
Kentucky	Nationwide	$1,895	$3,403	$1,508
Kentucky	Allstate	$2,179	$7,842	$5,663
Kentucky	Allstate	$1,741	$6,269	$4,528
Kentucky	Nationwide	$2,021	$3,824	$1,803
Kentucky	Allstate	$2,293	$7,301	$5,009
Kentucky	Allstate	$1,832	$5,839	$4,006
Louisiana	State Farm	$4,544	$5,610	$1,066
Louisiana	State Farm	$6,039	$7,453	$1,414
Louisiana	State Farm	$3,175	$3,923	$748
Louisiana	State Farm	$5,605	$6,954	$1,349
Louisiana	State Farm	$7,449	$9,238	$1,789
Louisiana	State Farm	$3,917	$4,863	$946
Maine	Concord Group	$993	$1,591	$599
Maine	Concord Group	$1,103	$1,767	$665
Maine	Concord Group	$971	$1,556	$585
Maine	Concord Group	$1,062	$1,755	$693
Maine	Concord Group	$1,179	$1,949	$770
Maine	Concord Group	$1,038	$1,715	$678
Maryland	GEICO	$1,752	$6,513	$4,760
Maryland	Progressive	$1,876	$3,979	$2,103
Maryland	GEICO	$1,741	$6,471	$4,730
Maryland	Kemper	$1,918	$4,783	$2,865
Maryland	Progressive	$2,054	$4,329	$2,275
Maryland	Kemper	$1,903	$4,753	$2,851
Massachusetts	State Farm	$1,220	$1,824	$605
Massachusetts	State Farm	$1,590	$2,380	$790
Massachusetts	State Farm	$1,128	$1,687	$560
Massachusetts	State Farm	$1,220	$1,824	$605
Massachusetts	State Farm	$1,590	$2,380	$790
Massachusetts	State Farm	$1,128	$1,687	$560
Michigan	GEICO	$2,469	$2,912	$443
Michigan	GEICO	$2,722	$3,210	$488
Michigan	GEICO	$2,391	$2,820	$429
Michigan	GEICO	$2,469	$2,912	$443
Michigan	GEICO	$2,722	$3,210	$488
Michigan	GEICO	$2,391	$2,820	$429
Minnesota	Nationwide	$1,810	$3,634	$1,824
Minnesota	Nationwide	$1,882	$3,779	$1,897
Minnesota	State Farm	$1,921	$2,553	$632
Minnesota	Nationwide	$1,922	$4,083	$2,161
Minnesota	Nationwide	$1,999	$4,246	$2,247
Minnesota	Nationwide	$2,163	$4,595	$2,432
Mississippi	Progressive	$733	$4,296	$3,563
Mississippi	Progressive	$789	$4,626	$3,837
Mississippi	Progressive	$683	$4,001	$3,319
Mississippi	Progressive	$733	$4,693	$3,960
Mississippi	Progressive	$789	$5,054	$4,265
Mississippi	Progressive	$683	$4,371	$3,688
Missouri	GEICO	$1,375	$8,385	$7,010
Missouri	GEICO	$1,425	$8,685	$7,260
Missouri	GEICO	$1,322	$8,061	$6,739
Missouri	GEICO	$1,457	$7,630	$6,173
Missouri	GEICO	$1,510	$7,903	$6,394
Missouri	GEICO	$1,401	$7,336	$5,935
Montana	Progressive	$1,601	$3,505	$1,904
Montana	Allstate	$1,789	$6,958	$5,168
Montana	Progressive	$1,524	$3,337	$1,813
Montana	Progressive	$1,601	$3,505	$1,904
Montana	Allstate	$1,789	$6,958	$5,168
Montana	Progressive	$1,524	$3,337	$1,813
Nebraska	Allstate	$2,005	$6,152	$4,147
Nebraska	Allstate	$2,081	$6,386	$4,305
Nebraska	Allstate	$2,160	$6,621	$4,461
Nebraska	Allstate	$2,005	$6,152	$4,147
Nebraska	Allstate	$2,081	$6,386	$4,305
Nebraska	Allstate	$2,160	$6,621	$4,461
Nevada	Nationwide	$2,248	$4,746	$2,498
Nevada	Nationwide	$2,573	$5,432	$2,860
Nevada	State Farm	$2,124	$2,852	$728
Nevada	Nationwide	$2,421	$5,384	$2,964
Nevada	Nationwide	$2,770	$6,163	$3,393
Nevada	Nationwide	$2,304	$5,124	$2,820
New Hampshire	Concord Group	$1,098	$1,697	$599
New Hampshire	Concord Group	$1,282	$1,981	$699
New Hampshire	Concord Group	$1,000	$1,546	$546
New Hampshire	Concord Group	$1,151	$1,827	$676
New Hampshire	Concord Group	$1,343	$2,133	$789
New Hampshire	Concord Group	$1,048	$1,665	$616
New Jersey	GEICO	$2,377	$2,680	$303
New Jersey	GEICO	$2,799	$3,155	$356
New Jersey	GEICO	$1,797	$2,027	$229
New Jersey	GEICO	$2,554	$2,597	$43
New Jersey	GEICO	$3,007	$3,057	$50
New Jersey	GEICO	$1,931	$1,964	$33
New Mexico	Allstate	$1,701	$3,934	$2,233
New Mexico	Allstate	$1,669	$3,861	$2,192
New Mexico	State Farm	$1,575	$2,119	$544
New Mexico	Allstate	$1,882	$4,097	$2,215
New Mexico	Allstate	$1,847	$4,021	$2,174
New Mexico	Nationwide	$1,783	$3,363	$1,580
New York	Kemper	$1,188	$3,808	$2,620
New York	Kemper	$1,284	$4,115	$2,831
New York	Kemper	$1,154	$3,700	$2,546
New York	Kemper	$1,231	$4,366	$3,135
New York	Kemper	$1,331	$4,719	$3,389
New York	Kemper	$1,196	$4,241	$3,046
North Carolina	State Farm	$1,237	$1,341	$103
North Carolina	State Farm	$1,477	$1,600	$123
North Carolina	State Farm	$1,127	$1,221	$94
North Carolina	State Farm	$1,237	$1,341	$103
North Carolina	State Farm	$1,477	$1,600	$123
North Carolina	State Farm	$1,127	$1,221	$94
North Dakota	Nationwide	$1,046	$1,984	$937
North Dakota	Nationwide	$1,060	$2,010	$950
North Dakota	Nationwide	$1,354	$2,567	$1,213
North Dakota	Nationwide	$1,167	$2,440	$1,273
North Dakota	Nationwide	$1,183	$2,472	$1,290
North Dakota	Nationwide	$1,511	$3,158	$1,647
Ohio	Nationwide	$1,012	$2,043	$1,031
Ohio	Nationwide	$1,221	$2,466	$1,244
Ohio	Nationwide	$1,102	$2,226	$1,124
Ohio	Nationwide	$1,178	$2,658	$1,480
Ohio	Nationwide	$1,422	$3,208	$1,785
Ohio	Nationwide	$1,283	$2,896	$1,612
Oklahoma	Allstate	$1,917	$5,334	$3,417
Oklahoma	Allstate	$2,242	$6,237	$3,995
Oklahoma	State Farm	$1,632	$2,127	$496
Oklahoma	Allstate	$2,036	$5,607	$3,571
Oklahoma	Allstate	$2,381	$6,555	$4,175
Oklahoma	Allstate	$1,775	$4,890	$3,115
Oregon	Nationwide	$1,402	$3,434	$2,032
Oregon	Nationwide	$1,491	$3,653	$2,162
Oregon	State Farm	$1,366	$2,142	$775
Oregon	Nationwide	$1,505	$3,861	$2,356
Oregon	Nationwide	$1,601	$4,107	$2,506
Oregon	Nationwide	$1,575	$4,036	$2,462
Pennsylvania	Nationwide	$1,330	$3,383	$2,053
Pennsylvania	Nationwide	$1,409	$3,578	$2,169
Pennsylvania	Travelers	$1,530	$2,788	$1,258
Pennsylvania	Nationwide	$1,330	$3,383	$2,053
Pennsylvania	Nationwide	$1,409	$3,578	$2,169
Pennsylvania	Travelers	$1,530	$2,788	$1,258
Rhode Island	State Farm	$1,558	$2,011	$453
Rhode Island	State Farm	$1,737	$2,241	$504
Rhode Island	State Farm	$1,499	$1,934	$435
Rhode Island	State Farm	$2,143	$2,978	$836
Rhode Island	State Farm	$2,388	$3,319	$931
Rhode Island	State Farm	$2,061	$2,864	$804
South Carolina	Auto-Owners Insurance Co	$2,270	$2,707	$437
South Carolina	Auto-Owners Insurance Co	$2,569	$3,063	$494
South Carolina	Auto-Owners Insurance Co	$2,104	$2,509	$405
South Carolina	Auto-Owners Insurance Co	$2,742	$3,841	$1,099
South Carolina	Auto-Owners Insurance Co	$3,103	$4,346	$1,243
South Carolina	Auto-Owners Insurance Co	$2,540	$3,559	$1,018
South Dakota	Allstate	$1,139	$6,556	$5,417
South Dakota	Allstate	$1,131	$6,514	$5,382
South Dakota	Allstate	$1,271	$7,312	$6,041
South Dakota	Allstate	$1,220	$7,137	$5,917
South Dakota	Allstate	$1,212	$7,091	$5,879
South Dakota	Allstate	$1,361	$7,960	$6,599
Tennessee	Nationwide	$1,381	$3,179	$1,797
Tennessee	Nationwide	$1,466	$3,374	$1,908
Tennessee	Nationwide	$1,353	$3,112	$1,760
Tennessee	Nationwide	$1,572	$4,098	$2,525
Tennessee	Nationwide	$1,669	$4,349	$2,681
Tennessee	Nationwide	$1,540	$4,013	$2,473
Texas	Nationwide	$1,720	$4,032	$2,312
Texas	State Farm	$1,881	$2,601	$720
Texas	State Farm	$1,705	$2,358	$653
Texas	Nationwide	$1,964	$5,112	$3,148
Texas	Nationwide	$2,227	$5,796	$3,569
Texas	State Farm	$2,060	$2,946	$886
Utah	Nationwide	$1,399	$3,346	$1,946
Utah	Nationwide	$1,599	$3,825	$2,225
Utah	Nationwide	$1,567	$3,747	$2,180
Utah	Nationwide	$1,568	$4,092	$2,525
Utah	Nationwide	$1,792	$4,678	$2,886
Utah	Nationwide	$1,756	$4,583	$2,827
Vermont	State Farm	$1,159	$1,607	$448
Vermont	State Farm	$1,212	$1,680	$468
Vermont	State Farm	$1,088	$1,509	$420
Vermont	Concord Group	$1,319	$2,029	$711
Vermont	Nationwide	$1,447	$3,176	$1,729
Vermont	Concord Group	$1,228	$1,891	$662
Virginia	Nationwide	$1,167	$2,458	$1,291
Virginia	Nationwide	$1,256	$2,645	$1,389
Virginia	Nationwide	$1,333	$2,808	$1,474
Virginia	Nationwide	$1,300	$2,971	$1,671
Virginia	Nationwide	$1,399	$3,197	$1,798
Virginia	Nationwide	$1,485	$3,394	$1,908
Washington	Kemper	$1,742	$2,241	$499
Washington	Kemper	$1,999	$2,572	$573
Washington	Allstate	$1,905	$6,542	$4,636
Washington	Kemper	$1,809	$2,601	$792
Washington	Kemper	$2,076	$2,984	$908
Washington	Capital Insurance Group	$1,989	$2,764	$775
West Virginia	Nationwide	$1,468	$2,998	$1,529
West Virginia	Nationwide	$1,532	$3,127	$1,595
West Virginia	Nationwide	$1,553	$3,171	$1,618
West Virginia	Nationwide	$1,672	$3,850	$2,179
West Virginia	Nationwide	$1,744	$4,017	$2,273
West Virginia	Nationwide	$1,768	$4,072	$2,304
Wisconsin	Nationwide	$1,137	$2,600	$1,463
Wisconsin	Nationwide	$1,215	$2,778	$1,564
Wisconsin	Nationwide	$1,250	$2,858	$1,608
Wisconsin	Nationwide	$1,246	$3,012	$1,766
Wisconsin	Nationwide	$1,331	$3,219	$1,888
Wisconsin	Nationwide	$1,370	$3,311	$1,941
Wyoming	Allstate	$1,424	$4,615	$3,191
Wyoming	Allstate	$1,377	$4,461	$3,085
Wyoming	Allstate	$1,641	$5,318	$3,677
Wyoming	Allstate	$1,609	$5,616	$4,007
Wyoming	Allstate	$1,555	$5,429	$3,874
Wyoming	Allstate	$1,854	$6,471	$4,617

Cheapest Car Insurance for 17-Year-Old Teens

The most affordable insurance providers for 17-year-old teen drivers are:

On a family policy: Nationwide ($2,685 annually)
On an individual policy: State Farm ($3,312 annually)

For 17-year-olds, car insurance remains expensive but costs may start to decrease slightly as they gain more driving experience. Being added to a family policy can still offer cost benefits, and good student discounts may also apply. Shop around and consider the type of car they'll be driving to find the most affordable rates.

Coverage

Company	Family Premium	Individual Premium	Increase in Premium
GEICO	$667	$1,001	$334
Nationwide	$692	$1,245	$552
Travelers	$739	$999	$259
State Farm	$763	$828	$65
Progressive	$826	$1,659	$832
Farmers	$835	$1,722	$888
Allstate	$856	$1,421	$565
GEICO	$2,408	$3,633	$1,225
Nationwide	$2,569	$4,566	$1,997
State Farm	$2,666	$2,921	$255
Nationwide	$2,685	$4,662	$1,978
GEICO	$2,863	$4,260	$1,396
Farmers	$2,871	$5,816	$2,945
Nationwide	$2,915	$5,107	$2,193
Travelers	$2,950	$3,843	$893
Allstate	$2,976	$4,710	$1,734
State Farm	$3,030	$3,312	$281
GEICO	$3,153	$4,683	$1,530
Allstate	$3,218	$5,292	$2,074
Progressive	$3,240	$6,686	$3,446
Farmers	$3,311	$6,664	$3,353
Travelers	$3,316	$4,287	$970
State Farm	$3,402	$3,712	$309
Allstate	$3,487	$5,818	$2,331
Travelers	$3,566	$4,657	$1,091
Progressive	$3,572	$7,262	$3,691
Farmers	$3,773	$7,640	$3,867
Progressive	$3,847	$7,844	$3,997

Cheapest Car Insurance for 17-Year-Olds by State

Nationwide offers the most affordable insurance for 17-year-old drivers in 17 states, making it the top option in this list overall, followed by GEICO and Allstate.

Filter the table below to help you find the most affordable insurer in your state and pinpoint the best options for your specific needs.

Coverage

Gender

State	Company	Family Premium	Individual Premium	Increase in Premium
Alabama	GEICO	$1,578	$3,584	$2,005
Alabama	GEICO	$1,663	$3,777	$2,113
Alabama	GEICO	$1,404	$3,189	$1,785
Alabama	GEICO	$1,863	$3,643	$1,780
Alabama	Nationwide	$1,922	$3,944	$2,022
Alabama	GEICO	$1,657	$3,241	$1,584
Alaska	GEICO	$1,888	$2,900	$1,013
Alaska	State Farm	$2,139	$2,598	$460
Alaska	State Farm	$1,820	$2,212	$392
Alaska	GEICO	$2,038	$3,078	$1,040
Alaska	GEICO	$2,330	$3,518	$1,189
Alaska	GEICO	$2,087	$3,152	$1,066
Arizona	Travelers	$1,611	$2,463	$851
Arizona	Travelers	$1,739	$2,659	$919
Arizona	Travelers	$1,583	$2,418	$835
Arizona	Travelers	$1,909	$2,919	$1,010
Arizona	Travelers	$2,060	$3,151	$1,091
Arizona	Travelers	$1,875	$2,866	$991
Arkansas	Allstate	$1,618	$4,649	$3,031
Arkansas	Allstate	$1,655	$4,756	$3,101
Arkansas	State Farm	$1,631	$1,996	$365
Arkansas	Allstate	$1,778	$5,552	$3,774
Arkansas	Allstate	$1,819	$5,680	$3,861
Arkansas	Allstate	$1,857	$5,797	$3,940
California	State Farm	$2,958	$2,974	$16
California	GEICO	$3,184	$3,517	$333
California	State Farm	$2,584	$2,598	$14
California	State Farm	$2,958	$2,974	$16
California	GEICO	$3,345	$4,090	$745
California	State Farm	$2,584	$2,598	$14
Colorado	GEICO	$1,626	$4,053	$2,427
Colorado	GEICO	$1,802	$4,491	$2,689
Colorado	GEICO	$1,406	$3,506	$2,100
Colorado	Kemper	$1,321	$5,827	$4,506
Colorado	Kemper	$1,609	$7,097	$5,488
Colorado	Kemper	$1,256	$5,541	$4,285
Connecticut	GEICO	$977	$4,005	$3,028
Connecticut	GEICO	$1,124	$4,602	$3,478
Connecticut	GEICO	$752	$3,083	$2,332
Connecticut	GEICO	$1,379	$4,523	$3,144
Connecticut	GEICO	$1,585	$5,197	$3,612
Connecticut	GEICO	$1,061	$3,483	$2,422
Delaware	Travelers	$2,449	$6,898	$4,449
Delaware	Travelers	$2,696	$7,592	$4,896
Delaware	State Farm	$2,190	$2,577	$387
Delaware	GEICO	$2,603	$4,419	$1,816
Delaware	GEICO	$2,835	$4,813	$1,978
Delaware	GEICO	$2,260	$3,838	$1,577
District of Columbia	GEICO	$1,622	$2,855	$1,233
District of Columbia	GEICO	$1,675	$2,949	$1,274
District of Columbia	GEICO	$1,640	$2,887	$1,247
District of Columbia	GEICO	$1,704	$2,743	$1,039
District of Columbia	GEICO	$1,760	$2,834	$1,074
District of Columbia	GEICO	$1,723	$2,775	$1,051
Florida	Nationwide	$3,822	$6,902	$3,080
Florida	Nationwide	$4,471	$8,072	$3,601
Florida	GEICO	$2,598	$2,666	$68
Florida	Nationwide	$4,306	$8,646	$4,340
Florida	Nationwide	$5,037	$10,112	$5,075
Florida	GEICO	$2,635	$2,840	$205
Georgia	Allstate	$1,595	$4,091	$2,496
Georgia	Allstate	$1,748	$4,483	$2,735
Georgia	GEICO	$1,434	$3,375	$1,942
Georgia	Allstate	$1,776	$4,194	$2,418
Georgia	Allstate	$1,946	$4,595	$2,650
Georgia	Allstate	$1,646	$3,887	$2,241
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Idaho	State Farm	$1,041	$1,252	$211
Idaho	State Farm	$1,074	$1,292	$218
Idaho	State Farm	$924	$1,112	$187
Idaho	State Farm	$1,319	$1,587	$267
Idaho	State Farm	$1,361	$1,637	$276
Idaho	State Farm	$1,172	$1,409	$237
Illinois	Travelers	$1,622	$3,140	$1,518
Illinois	Travelers	$1,841	$3,563	$1,722
Illinois	Travelers	$1,559	$3,017	$1,458
Illinois	Progressive	$1,965	$3,936	$1,971
Illinois	Progressive	$2,106	$4,219	$2,113
Illinois	Travelers	$1,975	$3,827	$1,852
Indiana	GEICO	$1,406	$2,950	$1,543
Indiana	GEICO	$1,584	$3,322	$1,738
Indiana	GEICO	$1,344	$2,818	$1,474
Indiana	GEICO	$1,498	$2,948	$1,450
Indiana	GEICO	$1,687	$3,320	$1,633
Indiana	GEICO	$1,431	$2,816	$1,385
Iowa	State Farm	$1,421	$1,654	$233
Iowa	State Farm	$1,436	$1,670	$234
Iowa	State Farm	$1,385	$1,615	$230
Iowa	Allstate	$1,514	$3,222	$1,708
Iowa	Allstate	$1,584	$3,371	$1,787
Iowa	Allstate	$1,537	$3,270	$1,733
Kansas	Nationwide	$1,094	$1,958	$864
Kansas	Nationwide	$1,087	$1,946	$858
Kansas	Nationwide	$1,314	$2,352	$1,038
Kansas	Nationwide	$1,180	$2,292	$1,112
Kansas	Nationwide	$1,173	$2,278	$1,105
Kansas	Nationwide	$1,417	$2,754	$1,337
Kentucky	Allstate	$1,861	$4,977	$3,116
Kentucky	Allstate	$2,104	$5,626	$3,522
Kentucky	Allstate	$1,682	$4,498	$2,817
Kentucky	Nationwide	$2,072	$3,682	$1,610
Kentucky	Allstate	$2,379	$6,294	$3,915
Kentucky	Allstate	$1,901	$5,033	$3,132
Louisiana	State Farm	$4,514	$4,941	$427
Louisiana	State Farm	$5,999	$6,564	$565
Louisiana	State Farm	$3,154	$3,455	$301
Louisiana	State Farm	$5,572	$6,117	$545
Louisiana	State Farm	$7,406	$8,126	$721
Louisiana	State Farm	$3,894	$4,278	$384
Maine	Concord Group	$985	$1,407	$422
Maine	Concord Group	$1,094	$1,562	$469
Maine	Concord Group	$963	$1,375	$412
Maine	Concord Group	$1,053	$1,555	$502
Maine	Concord Group	$1,169	$1,727	$557
Maine	Concord Group	$1,029	$1,520	$491
Maryland	GEICO	$1,688	$5,041	$3,353
Maryland	Progressive	$1,702	$2,729	$1,026
Maryland	GEICO	$1,677	$5,009	$3,332
Maryland	Progressive	$1,858	$2,987	$1,129
Maryland	Progressive	$1,865	$2,999	$1,134
Maryland	Kemper	$1,892	$4,278	$2,386
Massachusetts	State Farm	$1,220	$1,824	$605
Massachusetts	Progressive	$1,580	$6,593	$5,014
Massachusetts	State Farm	$1,128	$1,687	$560
Massachusetts	State Farm	$1,220	$1,824	$605
Massachusetts	Progressive	$1,580	$6,593	$5,014
Massachusetts	State Farm	$1,128	$1,687	$560
Michigan	GEICO	$2,679	$2,912	$233
Michigan	GEICO	$2,953	$3,210	$258
Michigan	GEICO	$2,594	$2,820	$226
Michigan	GEICO	$2,679	$2,912	$233
Michigan	GEICO	$2,953	$3,210	$258
Michigan	GEICO	$2,594	$2,820	$226
Minnesota	Allstate	$1,715	$2,610	$895
Minnesota	Allstate	$1,684	$2,563	$879
Minnesota	Allstate	$1,856	$2,826	$970
Minnesota	Nationwide	$1,975	$3,922	$1,947
Minnesota	Nationwide	$2,054	$4,078	$2,024
Minnesota	Nationwide	$2,223	$4,414	$2,191
Mississippi	Progressive	$825	$5,418	$4,593
Mississippi	Progressive	$888	$5,835	$4,947
Mississippi	Progressive	$769	$5,046	$4,277
Mississippi	Progressive	$821	$5,932	$5,111
Mississippi	Progressive	$884	$6,388	$5,505
Mississippi	Progressive	$765	$5,524	$4,759
Missouri	GEICO	$1,219	$5,489	$4,269
Missouri	GEICO	$1,263	$5,685	$4,422
Missouri	GEICO	$1,172	$5,277	$4,105
Missouri	GEICO	$1,417	$6,323	$4,906
Missouri	GEICO	$1,468	$6,550	$5,081
Missouri	GEICO	$1,362	$6,079	$4,717
Montana	Progressive	$1,524	$2,576	$1,052
Montana	Progressive	$1,705	$2,883	$1,178
Montana	Progressive	$1,451	$2,453	$1,002
Montana	Progressive	$1,524	$2,576	$1,052
Montana	Progressive	$1,705	$2,883	$1,178
Montana	Progressive	$1,451	$2,453	$1,002
Nebraska	Allstate	$1,775	$3,742	$1,967
Nebraska	Allstate	$1,842	$3,884	$2,042
Nebraska	Allstate	$1,912	$4,028	$2,116
Nebraska	Allstate	$1,775	$3,742	$1,967
Nebraska	Allstate	$1,842	$3,884	$2,042
Nebraska	Allstate	$1,912	$4,028	$2,116
Nevada	Nationwide	$2,240	$4,298	$2,059
Nevada	Nationwide	$2,563	$4,920	$2,357
Nevada	State Farm	$2,113	$2,508	$396
Nevada	Nationwide	$2,410	$4,865	$2,454
Nevada	Nationwide	$2,759	$5,568	$2,809
Nevada	Nationwide	$2,294	$4,630	$2,336
New Hampshire	Concord Group	$1,092	$1,538	$447
New Hampshire	Concord Group	$1,274	$1,795	$521
New Hampshire	Concord Group	$995	$1,401	$407
New Hampshire	Concord Group	$1,144	$1,660	$516
New Hampshire	Concord Group	$1,335	$1,937	$602
New Hampshire	Concord Group	$1,042	$1,512	$470
New Jersey	GEICO	$2,377	$2,680	$303
New Jersey	GEICO	$2,799	$3,155	$356
New Jersey	GEICO	$1,797	$2,027	$229
New Jersey	GEICO	$2,556	$2,597	$41
New Jersey	GEICO	$3,009	$3,057	$48
New Jersey	GEICO	$1,933	$1,964	$31
New Mexico	Allstate	$1,667	$2,988	$1,321
New Mexico	Allstate	$1,635	$2,932	$1,296
New Mexico	State Farm	$1,569	$1,878	$308
New Mexico	Allstate	$1,872	$3,428	$1,556
New Mexico	Allstate	$1,837	$3,364	$1,527
New Mexico	Nationwide	$1,827	$3,271	$1,444
New York	Kemper	$1,171	$3,117	$1,946
New York	Kemper	$1,265	$3,368	$2,103
New York	Kemper	$1,137	$3,028	$1,891
New York	Kemper	$1,220	$3,722	$2,501
New York	Kemper	$1,319	$4,022	$2,703
New York	Kemper	$1,185	$3,615	$2,430
North Carolina	State Farm	$1,235	$1,300	$66
North Carolina	State Farm	$1,473	$1,552	$78
North Carolina	State Farm	$1,125	$1,185	$60
North Carolina	State Farm	$1,235	$1,300	$66
North Carolina	State Farm	$1,473	$1,552	$78
North Carolina	State Farm	$1,125	$1,185	$60
North Dakota	Nationwide	$1,065	$1,960	$896
North Dakota	Nationwide	$1,079	$1,986	$908
North Dakota	GEICO	$1,300	$2,587	$1,287
North Dakota	Nationwide	$1,188	$2,412	$1,224
North Dakota	Nationwide	$1,204	$2,444	$1,240
North Dakota	Allstate	$1,478	$4,895	$3,418
Ohio	Nationwide	$1,033	$2,043	$1,010
Ohio	Nationwide	$1,247	$2,466	$1,218
Ohio	Nationwide	$1,126	$2,226	$1,100
Ohio	Nationwide	$1,204	$2,658	$1,454
Ohio	Nationwide	$1,453	$3,208	$1,755
Ohio	Nationwide	$1,311	$2,896	$1,584
Oklahoma	Allstate	$1,870	$4,142	$2,272
Oklahoma	GEICO	$2,065	$4,934	$2,869
Oklahoma	State Farm	$1,625	$1,895	$270
Oklahoma	Allstate	$2,032	$4,823	$2,790
Oklahoma	Allstate	$2,377	$5,638	$3,262
Oklahoma	Allstate	$1,772	$4,206	$2,434
Oregon	Nationwide	$1,412	$3,299	$1,887
Oregon	Nationwide	$1,502	$3,509	$2,007
Oregon	State Farm	$1,358	$1,870	$511
Oregon	Nationwide	$1,516	$3,707	$2,191
Oregon	Nationwide	$1,612	$3,943	$2,331
Oregon	Nationwide	$1,586	$3,875	$2,289
Pennsylvania	Nationwide	$1,368	$3,250	$1,882
Pennsylvania	Nationwide	$1,449	$3,437	$1,988
Pennsylvania	Travelers	$1,493	$2,188	$695
Pennsylvania	Nationwide	$1,368	$3,250	$1,882
Pennsylvania	Nationwide	$1,449	$3,437	$1,988
Pennsylvania	Travelers	$1,493	$2,188	$695
Rhode Island	State Farm	$1,583	$1,962	$379
Rhode Island	State Farm	$1,763	$2,186	$422
Rhode Island	State Farm	$1,522	$1,886	$364
Rhode Island	State Farm	$2,104	$2,600	$497
Rhode Island	State Farm	$2,344	$2,898	$553
Rhode Island	State Farm	$2,023	$2,501	$478
South Carolina	Auto-Owners Insurance Co	$2,177	$2,225	$48
South Carolina	Auto-Owners Insurance Co	$2,463	$2,517	$54
South Carolina	Auto-Owners Insurance Co	$2,017	$2,061	$45
South Carolina	Auto-Owners Insurance Co	$2,607	$3,006	$400
South Carolina	Auto-Owners Insurance Co	$2,950	$3,402	$452
South Carolina	Auto-Owners Insurance Co	$2,415	$2,786	$371
South Dakota	Allstate	$971	$3,716	$2,744
South Dakota	Allstate	$965	$3,692	$2,727
South Dakota	Allstate	$1,084	$4,145	$3,061
South Dakota	Allstate	$1,064	$4,423	$3,359
South Dakota	Allstate	$1,057	$4,394	$3,337
South Dakota	Allstate	$1,187	$4,933	$3,746
Tennessee	Nationwide	$1,427	$3,179	$1,751
Tennessee	Nationwide	$1,515	$3,374	$1,859
Tennessee	Nationwide	$1,398	$3,112	$1,715
Tennessee	Nationwide	$1,627	$4,098	$2,471
Tennessee	Nationwide	$1,726	$4,349	$2,623
Tennessee	Nationwide	$1,593	$4,013	$2,419
Texas	Nationwide	$1,757	$4,007	$2,250
Texas	State Farm	$1,876	$2,350	$473
Texas	State Farm	$1,701	$2,130	$429
Texas	Nationwide	$2,006	$5,080	$3,073
Texas	State Farm	$2,265	$2,932	$667
Texas	State Farm	$2,054	$2,659	$605
Utah	Nationwide	$1,388	$3,140	$1,752
Utah	Nationwide	$1,587	$3,590	$2,003
Utah	Nationwide	$1,555	$3,517	$1,962
Utah	Nationwide	$1,553	$3,836	$2,282
Utah	Nationwide	$1,776	$4,385	$2,609
Utah	Nationwide	$1,740	$4,296	$2,556
Vermont	State Farm	$1,153	$1,409	$255
Vermont	State Farm	$1,206	$1,473	$267
Vermont	State Farm	$1,083	$1,322	$239
Vermont	Concord Group	$1,312	$1,854	$541
Vermont	Concord Group	$1,474	$2,083	$608
Vermont	Concord Group	$1,222	$1,727	$504
Virginia	Nationwide	$1,187	$2,408	$1,221
Virginia	Nationwide	$1,278	$2,592	$1,314
Virginia	Nationwide	$1,356	$2,751	$1,395
Virginia	Nationwide	$1,323	$2,913	$1,590
Virginia	Nationwide	$1,423	$3,135	$1,712
Virginia	Nationwide	$1,511	$3,328	$1,817
Washington	Kemper	$1,742	$2,241	$499
Washington	Capital Insurance Group	$1,990	$2,213	$222
Washington	Capital Insurance Group	$1,807	$2,009	$202
Washington	Kemper	$1,809	$2,601	$792
Washington	Capital Insurance Group	$1,964	$2,204	$240
Washington	Capital Insurance Group	$1,784	$2,001	$218
West Virginia	Nationwide	$1,409	$2,662	$1,253
West Virginia	Nationwide	$1,470	$2,778	$1,307
West Virginia	Nationwide	$1,491	$2,816	$1,325
West Virginia	Nationwide	$1,601	$3,401	$1,800
West Virginia	Nationwide	$1,670	$3,548	$1,878
West Virginia	Nationwide	$1,693	$3,597	$1,904
Wisconsin	GEICO	$1,070	$3,085	$2,015
Wisconsin	GEICO	$1,144	$3,297	$2,153
Wisconsin	GEICO	$1,073	$3,092	$2,020
Wisconsin	Nationwide	$1,280	$2,897	$1,617
Wisconsin	Nationwide	$1,367	$3,096	$1,728
Wisconsin	Nationwide	$1,407	$3,184	$1,777
Wyoming	Allstate	$1,417	$3,538	$2,121
Wyoming	Allstate	$1,370	$3,420	$2,050
Wyoming	Allstate	$1,633	$4,076	$2,443
Wyoming	Allstate	$1,598	$4,514	$2,916
Wyoming	Allstate	$1,545	$4,363	$2,818
Wyoming	Allstate	$1,842	$5,201	$3,359

Cheapest Car Insurance for 18-Year-Old Teens

The most budget-friendly car insurance companies for 18-year-old teen drivers are:

On a family policy: GEICO ($2,431 annually)
On an individual policy: State Farm ($2,966 annually)

At 18, drivers have more experience, which can lead to a modest reduction in insurance premiums. However, rates are still relatively high compared to older age groups. Many 18-year-olds are heading to college, and some insurers offer distant student discounts for those studying away from home without a car. As always, compare different providers and consider vehicle type to find the most budget-friendly insurance options.

Coverage

Company	Family Premium	Individual Premium	Increase in Premium
GEICO	$557	$835	$279
Travelers	$613	$803	$190
Nationwide	$645	$1,164	$518
State Farm	$678	$735	$57
Allstate	$689	$1,083	$395
Progressive	$704	$1,390	$687
Farmers	$764	$1,565	$801
GEICO	$2,036	$3,061	$1,025
Nationwide	$2,368	$4,238	$1,870
State Farm	$2,389	$2,615	$226
GEICO	$2,431	$3,594	$1,163
Nationwide	$2,476	$4,332	$1,856
Allstate	$2,488	$3,764	$1,276
Travelers	$2,519	$3,198	$679
Farmers	$2,653	$5,337	$2,684
GEICO	$2,672	$3,943	$1,271
Allstate	$2,673	$4,180	$1,507
Nationwide	$2,693	$4,753	$2,060
State Farm	$2,716	$2,966	$250
Progressive	$2,825	$5,752	$2,927
Travelers	$2,829	$3,566	$737
Allstate	$2,887	$4,574	$1,687
Travelers	$3,030	$3,860	$831
State Farm	$3,053	$3,327	$275
Farmers	$3,062	$6,124	$3,062
Progressive	$3,115	$6,246	$3,131
Progressive	$3,351	$6,743	$3,392
Farmers	$3,489	$7,021	$3,533

Cheapest Car Insurance for 18-Year-Olds by State

Allstate is the most affordable insurance provider for 18-year-olds in 14 states, followed by GEICO and Nationwide. In addition to age, your location can also significantly impact your car insurance costs.

An 18-year-old driver's premium can differ greatly between states. Insurance companies might also have state-specific discounts or varying eligibility criteria. Compare quotes from at least three providers in your state to find the best deal.

Gender

Coverage

State	Company	Family Premium	Individual Premium	Increase in Premium
Alabama	Allstate	$1,340	$2,768	$1,429
Alabama	Allstate	$1,397	$2,887	$1,490
Alabama	Allstate	$1,280	$2,646	$1,365
Alabama	GEICO	$1,177	$2,303	$1,125
Alabama	GEICO	$1,241	$2,427	$1,186
Alabama	GEICO	$1,047	$2,049	$1,001
Alaska	GEICO	$1,623	$2,493	$871
Alaska	GEICO	$1,855	$2,850	$995
Alaska	State Farm	$1,598	$1,941	$344
Alaska	GEICO	$1,727	$2,609	$882
Alaska	GEICO	$1,975	$2,982	$1,007
Alaska	GEICO	$1,769	$2,672	$903
Arizona	Travelers	$1,359	$2,077	$718
Arizona	Travelers	$1,467	$2,242	$775
Arizona	Travelers	$1,335	$2,040	$705
Arizona	Travelers	$1,576	$2,411	$834
Arizona	Travelers	$1,701	$2,602	$901
Arizona	GEICO	$1,448	$2,010	$563
Arkansas	Allstate	$1,128	$3,239	$2,111
Arkansas	Allstate	$1,153	$3,314	$2,160
Arkansas	Allstate	$1,178	$3,382	$2,204
Arkansas	Allstate	$1,342	$4,191	$2,849
Arkansas	Allstate	$1,373	$4,288	$2,915
Arkansas	Allstate	$1,402	$4,376	$2,974
California	State Farm	$2,791	$2,806	$15
California	GEICO	$2,897	$3,200	$303
California	State Farm	$2,438	$2,451	$14
California	State Farm	$2,791	$2,806	$15
California	GEICO	$3,031	$3,706	$675
California	State Farm	$2,438	$2,451	$14
Colorado	Kemper	$1,509	$3,841	$2,331
Colorado	GEICO	$1,745	$4,350	$2,605
Colorado	GEICO	$1,362	$3,397	$2,035
Colorado	Kemper	$1,082	$4,774	$3,692
Colorado	Kemper	$1,318	$5,814	$4,496
Colorado	Kemper	$1,029	$4,539	$3,510
Connecticut	GEICO	$902	$3,696	$2,794
Connecticut	GEICO	$1,037	$4,247	$3,210
Connecticut	GEICO	$694	$2,845	$2,151
Connecticut	GEICO	$1,184	$3,884	$2,700
Connecticut	GEICO	$1,361	$4,462	$3,101
Connecticut	GEICO	$911	$2,990	$2,079
Delaware	Travelers	$1,891	$5,326	$3,435
Delaware	Travelers	$2,081	$5,862	$3,780
Delaware	State Farm	$1,911	$2,248	$338
Delaware	GEICO	$2,212	$3,756	$1,544
Delaware	GEICO	$2,410	$4,091	$1,681
Delaware	GEICO	$1,921	$3,262	$1,341
District of Columbia	GEICO	$1,405	$2,474	$1,069
District of Columbia	GEICO	$1,452	$2,556	$1,104
District of Columbia	GEICO	$1,421	$2,502	$1,081
District of Columbia	GEICO	$1,455	$2,342	$887
District of Columbia	GEICO	$1,503	$2,420	$917
District of Columbia	GEICO	$1,471	$2,369	$898
Florida	Allstate	$3,584	$10,539	$6,955
Florida	Allstate	$4,345	$12,777	$8,431
Florida	Allstate	$2,139	$6,292	$4,154
Florida	Allstate	$4,014	$12,560	$8,546
Florida	Allstate	$4,867	$15,227	$10,360
Florida	Allstate	$2,395	$7,499	$5,104
Georgia	Allstate	$1,184	$3,035	$1,852
Georgia	Allstate	$1,297	$3,326	$2,029
Georgia	GEICO	$1,079	$2,541	$1,462
Georgia	Allstate	$1,357	$3,204	$1,848
Georgia	Allstate	$1,487	$3,511	$2,024
Georgia	Allstate	$1,257	$2,970	$1,713
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Idaho	State Farm	$908	$1,093	$184
Idaho	State Farm	$937	$1,128	$190
Idaho	State Farm	$807	$970	$164
Idaho	State Farm	$1,152	$1,386	$234
Idaho	State Farm	$1,189	$1,430	$241
Idaho	State Farm	$1,024	$1,231	$207
Illinois	Travelers	$1,300	$2,516	$1,216
Illinois	Travelers	$1,475	$2,855	$1,380
Illinois	Travelers	$1,249	$2,418	$1,169
Illinois	Travelers	$1,618	$3,135	$1,517
Illinois	Progressive	$1,824	$3,655	$1,831
Illinois	Travelers	$1,554	$3,012	$1,458
Indiana	GEICO	$1,229	$2,578	$1,349
Indiana	GEICO	$1,384	$2,903	$1,519
Indiana	GEICO	$1,174	$2,462	$1,288
Indiana	GEICO	$1,308	$2,573	$1,266
Indiana	GEICO	$1,472	$2,897	$1,425
Indiana	GEICO	$1,249	$2,458	$1,209
Iowa	Allstate	$1,115	$2,372	$1,257
Iowa	Allstate	$1,166	$2,481	$1,315
Iowa	Allstate	$1,132	$2,408	$1,276
Iowa	Allstate	$1,115	$2,372	$1,257
Iowa	Allstate	$1,166	$2,481	$1,315
Iowa	Allstate	$1,132	$2,408	$1,276
Kansas	Nationwide	$975	$1,746	$771
Kansas	Nationwide	$969	$1,735	$766
Kansas	Nationwide	$1,172	$2,098	$926
Kansas	Nationwide	$1,049	$2,038	$989
Kansas	Nationwide	$1,042	$2,025	$982
Kansas	Nationwide	$1,260	$2,448	$1,188
Kentucky	Allstate	$1,326	$3,545	$2,220
Kentucky	Allstate	$1,498	$4,007	$2,508
Kentucky	Allstate	$1,198	$3,205	$2,007
Kentucky	Allstate	$1,538	$4,070	$2,532
Kentucky	Allstate	$1,739	$4,600	$2,861
Kentucky	Allstate	$1,390	$3,679	$2,289
Louisiana	State Farm	$3,992	$4,370	$378
Louisiana	State Farm	$5,306	$5,806	$500
Louisiana	State Farm	$2,790	$3,056	$266
Louisiana	State Farm	$4,908	$5,388	$480
Louisiana	State Farm	$6,523	$7,158	$635
Louisiana	GEICO	$3,361	$5,001	$1,641
Maine	Concord Group	$880	$1,257	$377
Maine	Allstate	$974	$1,708	$734
Maine	Concord Group	$860	$1,229	$369
Maine	Concord Group	$944	$1,394	$450
Maine	Concord Group	$1,048	$1,548	$500
Maine	Concord Group	$923	$1,362	$440
Maryland	GEICO	$1,387	$4,142	$2,755
Maryland	Progressive	$1,443	$2,313	$870
Maryland	GEICO	$1,378	$4,115	$2,737
Maryland	Progressive	$1,598	$2,570	$971
Maryland	Progressive	$1,605	$2,580	$975
Maryland	Progressive	$1,646	$2,646	$1,000
Massachusetts	Progressive	$1,165	$4,860	$3,695
Massachusetts	Progressive	$1,437	$5,999	$4,562
Massachusetts	State Farm	$1,128	$1,687	$560
Massachusetts	Progressive	$1,165	$4,860	$3,695
Massachusetts	Progressive	$1,437	$5,999	$4,562
Massachusetts	State Farm	$1,128	$1,687	$560
Michigan	GEICO	$2,051	$2,229	$178
Michigan	GEICO	$2,260	$2,457	$197
Michigan	GEICO	$1,986	$2,159	$173
Michigan	GEICO	$2,051	$2,229	$178
Michigan	GEICO	$2,260	$2,457	$197
Michigan	GEICO	$1,986	$2,159	$173
Minnesota	Allstate	$1,608	$2,448	$840
Minnesota	Allstate	$1,579	$2,403	$824
Minnesota	State Farm	$1,686	$1,990	$304
Minnesota	Nationwide	$1,735	$3,445	$1,710
Minnesota	Nationwide	$1,804	$3,582	$1,778
Minnesota	Nationwide	$1,953	$3,877	$1,924
Mississippi	Progressive	$719	$4,723	$4,004
Mississippi	Progressive	$774	$5,086	$4,312
Mississippi	Progressive	$670	$4,399	$3,729
Mississippi	Progressive	$728	$5,263	$4,535
Mississippi	Progressive	$784	$5,668	$4,884
Mississippi	Progressive	$679	$4,902	$4,223
Missouri	GEICO	$1,043	$4,698	$3,655
Missouri	GEICO	$1,081	$4,866	$3,785
Missouri	GEICO	$1,003	$4,517	$3,514
Missouri	GEICO	$1,244	$5,552	$4,308
Missouri	GEICO	$1,289	$5,750	$4,462
Missouri	GEICO	$1,196	$5,337	$4,142
Montana	Progressive	$1,205	$2,038	$832
Montana	Progressive	$1,349	$2,281	$932
Montana	Progressive	$1,148	$1,940	$792
Montana	Progressive	$1,205	$2,038	$832
Montana	Progressive	$1,349	$2,281	$932
Montana	Progressive	$1,148	$1,940	$792
Nebraska	Allstate	$1,322	$2,787	$1,464
Nebraska	Allstate	$1,372	$2,892	$1,520
Nebraska	Allstate	$1,424	$3,000	$1,576
Nebraska	Allstate	$1,322	$2,787	$1,464
Nebraska	Allstate	$1,372	$2,892	$1,520
Nebraska	Allstate	$1,424	$3,000	$1,576
Nevada	Nationwide	$2,031	$3,897	$1,866
Nevada	Nationwide	$2,324	$4,461	$2,137
Nevada	State Farm	$1,858	$2,205	$348
Nevada	Nationwide	$2,183	$4,406	$2,223
Nevada	Nationwide	$2,499	$5,043	$2,544
Nevada	Nationwide	$2,078	$4,193	$2,116
New Hampshire	Concord Group	$998	$1,407	$408
New Hampshire	Concord Group	$1,165	$1,642	$477
New Hampshire	Concord Group	$910	$1,282	$372
New Hampshire	Concord Group	$1,049	$1,522	$473
New Hampshire	Concord Group	$1,224	$1,776	$552
New Hampshire	Concord Group	$956	$1,386	$431
New Jersey	GEICO	$2,377	$2,680	$303
New Jersey	Travelers	$2,597	$3,715	$1,119
New Jersey	GEICO	$1,797	$2,027	$229
New Jersey	GEICO	$2,551	$2,592	$41
New Jersey	Travelers	$2,760	$4,028	$1,268
New Jersey	GEICO	$1,929	$1,960	$31
New Mexico	Allstate	$1,242	$2,226	$984
New Mexico	Allstate	$1,219	$2,184	$966
New Mexico	Allstate	$1,294	$2,320	$1,025
New Mexico	Allstate	$1,537	$2,814	$1,277
New Mexico	Allstate	$1,508	$2,761	$1,253
New Mexico	Allstate	$1,601	$2,932	$1,330
New York	Kemper	$962	$2,562	$1,600
New York	Kemper	$1,040	$2,769	$1,729
New York	Kemper	$935	$2,489	$1,554
New York	Kemper	$1,041	$3,175	$2,134
New York	Kemper	$1,126	$3,432	$2,306
New York	Kemper	$1,011	$3,084	$2,073
North Carolina	State Farm	$1,205	$1,269	$64
North Carolina	State Farm	$1,438	$1,515	$76
North Carolina	State Farm	$1,098	$1,156	$58
North Carolina	State Farm	$1,205	$1,269	$64
North Carolina	State Farm	$1,438	$1,515	$76
North Carolina	State Farm	$1,098	$1,156	$58
North Dakota	Allstate	$932	$2,919	$1,987
North Dakota	Allstate	$927	$2,903	$1,976
North Dakota	Allstate	$1,001	$3,134	$2,133
North Dakota	Allstate	$1,109	$3,673	$2,565
North Dakota	Allstate	$1,103	$3,654	$2,551
North Dakota	Allstate	$1,190	$3,944	$2,753
Ohio	Nationwide	$969	$1,916	$947
Ohio	Nationwide	$1,170	$2,312	$1,143
Ohio	Nationwide	$1,056	$2,087	$1,032
Ohio	Nationwide	$1,127	$2,490	$1,362
Ohio	Allstate	$1,345	$2,959	$1,614
Ohio	Nationwide	$1,228	$2,712	$1,484
Oklahoma	Allstate	$1,473	$3,262	$1,789
Oklahoma	Allstate	$1,722	$3,814	$2,092
Oklahoma	Allstate	$1,284	$2,845	$1,561
Oklahoma	Allstate	$1,713	$4,064	$2,351
Oklahoma	Allstate	$2,003	$4,752	$2,749
Oklahoma	Allstate	$1,494	$3,545	$2,051
Oregon	Nationwide	$1,324	$3,093	$1,769
Oregon	Nationwide	$1,408	$3,290	$1,882
Oregon	State Farm	$1,184	$1,630	$446
Oregon	Nationwide	$1,421	$3,475	$2,054
Oregon	Nationwide	$1,511	$3,696	$2,185
Oregon	Nationwide	$1,486	$3,632	$2,146
Pennsylvania	Nationwide	$1,198	$2,846	$1,648
Pennsylvania	Nationwide	$1,270	$3,011	$1,741
Pennsylvania	Travelers	$1,195	$1,751	$556
Pennsylvania	Nationwide	$1,198	$2,846	$1,648
Pennsylvania	Nationwide	$1,270	$3,011	$1,741
Pennsylvania	Travelers	$1,195	$1,751	$556
Rhode Island	Travelers	$1,458	$4,993	$3,534
Rhode Island	Travelers	$1,588	$5,436	$3,848
Rhode Island	State Farm	$1,414	$1,752	$339
Rhode Island	State Farm	$1,915	$2,368	$452
Rhode Island	State Farm	$2,134	$2,638	$504
Rhode Island	State Farm	$1,842	$2,277	$435
South Carolina	Auto-Owners Insurance Co	$1,986	$2,029	$44
South Carolina	Auto-Owners Insurance Co	$2,247	$2,296	$49
South Carolina	Auto-Owners Insurance Co	$1,840	$1,880	$41
South Carolina	Auto-Owners Insurance Co	$2,289	$2,641	$351
South Carolina	Auto-Owners Insurance Co	$2,591	$2,988	$397
South Carolina	Auto-Owners Insurance Co	$2,121	$2,447	$326
South Dakota	Allstate	$732	$2,800	$2,068
South Dakota	Allstate	$727	$2,781	$2,054
South Dakota	Allstate	$817	$3,124	$2,307
South Dakota	Allstate	$879	$3,653	$2,774
South Dakota	Allstate	$873	$3,629	$2,756
South Dakota	Allstate	$981	$4,076	$3,095
Tennessee	Allstate	$1,251	$3,145	$1,894
Tennessee	Allstate	$1,336	$3,359	$2,023
Tennessee	Nationwide	$1,262	$2,811	$1,548
Tennessee	Allstate	$1,430	$3,562	$2,133
Tennessee	Allstate	$1,526	$3,805	$2,279
Tennessee	Nationwide	$1,433	$3,610	$2,176
Texas	Nationwide	$1,635	$3,728	$2,094
Texas	State Farm	$1,689	$2,115	$426
Texas	State Farm	$1,531	$1,917	$386
Texas	Nationwide	$1,866	$4,724	$2,858
Texas	State Farm	$2,041	$2,642	$601
Texas	State Farm	$1,851	$2,396	$545
Utah	Nationwide	$1,330	$3,009	$1,679
Utah	Nationwide	$1,521	$3,440	$1,919
Utah	GEICO	$1,385	$3,595	$2,210
Utah	Nationwide	$1,492	$3,685	$2,193
Utah	Nationwide	$1,706	$4,213	$2,507
Utah	GEICO	$1,305	$3,542	$2,236
Vermont	State Farm	$1,008	$1,231	$223
Vermont	State Farm	$1,054	$1,287	$233
Vermont	State Farm	$947	$1,156	$209
Vermont	Concord Group	$1,207	$1,705	$498
Vermont	State Farm	$1,337	$1,608	$271
Vermont	Concord Group	$1,125	$1,589	$464
Virginia	Nationwide	$1,102	$2,235	$1,133
Virginia	Nationwide	$1,186	$2,405	$1,219
Virginia	Nationwide	$1,259	$2,553	$1,294
Virginia	Nationwide	$1,229	$2,706	$1,478
Virginia	Nationwide	$1,322	$2,912	$1,590
Virginia	Nationwide	$1,404	$3,091	$1,688
Washington	Allstate	$1,401	$3,631	$2,230
Washington	Allstate	$1,485	$3,849	$2,364
Washington	Allstate	$1,324	$3,432	$2,108
Washington	Allstate	$1,652	$4,581	$2,929
Washington	Allstate	$1,751	$4,856	$3,105
Washington	Allstate	$1,561	$4,330	$2,769
West Virginia	Allstate	$1,332	$3,604	$2,272
West Virginia	Allstate	$1,302	$3,522	$2,220
West Virginia	Allstate	$1,436	$3,885	$2,449
West Virginia	Allstate	$1,552	$3,952	$2,400
West Virginia	Allstate	$1,517	$3,862	$2,345
West Virginia	GEICO	$1,670	$2,922	$1,253
Wisconsin	Nationwide	$1,031	$2,210	$1,179
Wisconsin	Allstate	$1,091	$2,878	$1,787
Wisconsin	Travelers	$1,066	$2,000	$934
Wisconsin	GEICO	$1,052	$3,142	$2,090
Wisconsin	Allstate	$1,091	$2,878	$1,787
Wisconsin	GEICO	$1,055	$3,151	$2,096
Wyoming	Allstate	$1,006	$2,512	$1,506
Wyoming	Allstate	$973	$2,428	$1,456
Wyoming	Allstate	$1,159	$2,894	$1,735
Wyoming	Allstate	$1,240	$3,501	$2,261
Wyoming	Allstate	$1,198	$3,384	$2,186
Wyoming	Allstate	$1,428	$4,033	$2,605

Cheapest Car Insurance for 19-Year-Old Teens

The providers that offer the cheapest full coverage car insurance for 19-year-old drivers are:

On a family policy: Nationwide ($2,066 annually)
On an individual policy: State Farm ($2,531 annually)

Car insurance for 19-year-olds is often pricier than for older age groups yet slightly cheaper than for 16- to 18-year-olds. Leveraging good student discounts, opting for sensible vehicles and maintaining a clean driving record can be key to navigating through these transitional insurance years effectively and affordably.

Coverage

Company	Family Premium	Individual Premium	Increase in Premium
GEICO	$492	$598	$107
Travelers	$497	$624	$127
Nationwide	$537	$905	$367
State Farm	$579	$622	$43
Allstate	$587	$731	$144
Progressive	$645	$780	$135
Farmers	$774	$915	$141
GEICO	$1,813	$2,231	$418
Nationwide	$2,006	$3,372	$1,366
Travelers	$2,054	$2,527	$473
State Farm	$2,060	$2,231	$171
Nationwide	$2,066	$3,389	$1,323
Allstate	$2,136	$2,636	$500
GEICO	$2,168	$2,631	$462
Nationwide	$2,260	$3,715	$1,455
Travelers	$2,305	$2,817	$512
Allstate	$2,326	$2,899	$573
State Farm	$2,344	$2,531	$188
GEICO	$2,393	$2,888	$496
Travelers	$2,476	$3,050	$574
Allstate	$2,525	$3,162	$637
Progressive	$2,578	$3,191	$612
State Farm	$2,635	$2,836	$200
Farmers	$2,683	$3,198	$516
Progressive	$2,845	$3,473	$627
Progressive	$3,065	$3,742	$677
Farmers	$3,111	$3,657	$546
Farmers	$3,547	$4,174	$628

Cheapest Car Insurance for 19-Year-Olds by State

Nationwide offers the lowest premiums for 19-year-old drivers in 12 states, with GEICO and Allstate each offering the most competitive rates in eight states.

Auto insurance premiums can vary significantly from one state to another, so it's key to shop locally and compare. Use the table below to find the cheapest average insurer in your state.

Gender

Coverage

State	Company	Family Premium	Individual Premium	Increase in Premium
Alabama	GEICO	$1,460	$1,786	$326
Alabama	GEICO	$1,539	$1,882	$343
Alabama	GEICO	$1,299	$1,589	$290
Alabama	GEICO	$1,535	$1,871	$336
Alabama	GEICO	$1,618	$1,972	$354
Alabama	GEICO	$1,365	$1,665	$299
Alaska	GEICO	$1,460	$1,761	$301
Alaska	State Farm	$1,645	$1,986	$340
Alaska	State Farm	$1,400	$1,690	$290
Alaska	GEICO	$1,540	$1,838	$298
Alaska	GEICO	$1,761	$2,101	$340
Alaska	GEICO	$1,577	$1,882	$305
Arizona	Travelers	$1,267	$1,716	$449
Arizona	Travelers	$1,367	$1,852	$485
Arizona	Travelers	$1,244	$1,685	$441
Arizona	Travelers	$1,422	$1,953	$531
Arizona	Travelers	$1,534	$2,108	$574
Arizona	Travelers	$1,397	$1,918	$521
Arkansas	State Farm	$1,325	$1,623	$298
Arkansas	Allstate	$1,367	$2,175	$808
Arkansas	State Farm	$1,249	$1,530	$281
Arkansas	Allstate	$1,475	$2,564	$1,089
Arkansas	Allstate	$1,509	$2,623	$1,114
Arkansas	Allstate	$1,541	$2,678	$1,137
California	GEICO	$2,091	$2,206	$115
California	GEICO	$2,098	$2,213	$115
California	GEICO	$1,813	$1,913	$100
California	GEICO	$2,170	$2,536	$366
California	GEICO	$2,177	$2,544	$367
California	GEICO	$1,882	$2,199	$318
Colorado	GEICO	$1,659	$2,110	$450
Colorado	GEICO	$1,839	$2,337	$499
Colorado	GEICO	$1,435	$1,825	$390
Colorado	Kemper	$1,386	$4,070	$2,685
Colorado	Kemper	$1,688	$4,957	$3,269
Colorado	Kemper	$1,318	$3,870	$2,553
Connecticut	GEICO	$1,213	$2,389	$1,176
Connecticut	GEICO	$1,394	$2,745	$1,351
Connecticut	GEICO	$933	$1,839	$906
Connecticut	GEICO	$1,626	$2,578	$952
Connecticut	GEICO	$1,869	$2,962	$1,093
Connecticut	GEICO	$1,251	$1,985	$734
Delaware	Travelers	$1,667	$3,757	$2,090
Delaware	Travelers	$1,834	$4,135	$2,301
Delaware	State Farm	$1,639	$1,952	$313
Delaware	Travelers	$1,667	$5,230	$3,563
Delaware	Travelers	$1,834	$5,756	$3,921
Delaware	Travelers	$1,689	$5,300	$3,611
District of Columbia	GEICO	$1,280	$1,829	$549
District of Columbia	GEICO	$1,322	$1,889	$567
District of Columbia	GEICO	$1,295	$1,850	$555
District of Columbia	GEICO	$1,344	$1,723	$379
District of Columbia	GEICO	$1,388	$1,779	$391
District of Columbia	GEICO	$1,359	$1,742	$383
Florida	Nationwide	$3,325	$4,024	$699
Florida	Nationwide	$3,889	$4,706	$817
Florida	GEICO	$2,211	$2,428	$217
Florida	Nationwide	$3,687	$5,028	$1,342
Florida	Nationwide	$4,312	$5,880	$1,568
Florida	GEICO	$2,229	$2,514	$285
Georgia	Allstate	$1,327	$1,895	$567
Georgia	Allstate	$1,454	$2,076	$622
Georgia	Allstate	$1,230	$1,756	$526
Georgia	Allstate	$1,433	$1,943	$510
Georgia	Allstate	$1,570	$2,129	$559
Georgia	Allstate	$1,328	$1,801	$473
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Hawaii	State Farm	$742	$742	$0
Hawaii	State Farm	$834	$834	$0
Hawaii	GEICO	$688	$688	$-0
Idaho	State Farm	$788	$949	$162
Idaho	State Farm	$813	$980	$167
Idaho	State Farm	$700	$843	$144
Idaho	Auto-Owners Insurance Co	$947	$1,239	$292
Idaho	Auto-Owners Insurance Co	$989	$1,295	$305
Idaho	State Farm	$885	$1,075	$191
Illinois	Travelers	$1,384	$2,000	$616
Illinois	State Farm	$1,534	$1,951	$417
Illinois	Travelers	$1,330	$1,922	$592
Illinois	Auto-Owners Insurance Co	$1,503	$1,855	$351
Illinois	Auto-Owners Insurance Co	$1,621	$2,000	$379
Illinois	Auto-Owners Insurance Co	$1,556	$1,920	$363
Indiana	GEICO	$1,122	$1,702	$579
Indiana	GEICO	$1,263	$1,916	$653
Indiana	GEICO	$1,072	$1,625	$553
Indiana	GEICO	$1,194	$1,768	$574
Indiana	GEICO	$1,344	$1,991	$647
Indiana	GEICO	$1,141	$1,689	$548
Iowa	State Farm	$1,082	$1,262	$181
Iowa	State Farm	$1,093	$1,274	$181
Iowa	State Farm	$1,055	$1,232	$178
Iowa	Allstate	$1,261	$1,727	$466
Iowa	Allstate	$1,319	$1,807	$487
Iowa	Allstate	$1,281	$1,754	$473
Kansas	Nationwide	$986	$1,532	$546
Kansas	Nationwide	$980	$1,522	$542
Kansas	Nationwide	$1,185	$1,841	$656
Kansas	Nationwide	$1,040	$1,786	$746
Kansas	Nationwide	$1,034	$1,775	$741
Kansas	Nationwide	$1,250	$2,146	$897
Kentucky	Allstate	$1,572	$2,235	$663
Kentucky	Travelers	$1,721	$2,343	$622
Kentucky	Allstate	$1,421	$2,021	$600
Kentucky	Allstate	$1,706	$2,484	$779
Kentucky	Allstate	$1,928	$2,808	$879
Kentucky	Allstate	$1,542	$2,246	$705
Louisiana	State Farm	$3,540	$3,868	$328
Louisiana	State Farm	$4,704	$5,138	$434
Louisiana	State Farm	$2,474	$2,705	$231
Louisiana	State Farm	$4,316	$4,736	$419
Louisiana	State Farm	$5,737	$6,291	$555
Louisiana	State Farm	$3,017	$3,312	$295
Maine	Concord Group	$803	$1,074	$272
Maine	Concord Group	$891	$1,193	$302
Maine	Concord Group	$785	$1,050	$265
Maine	Concord Group	$856	$1,194	$338
Maine	Concord Group	$950	$1,326	$375
Maine	Concord Group	$837	$1,167	$330
Maryland	Progressive	$1,459	$1,748	$289
Maryland	Progressive	$1,465	$1,755	$290
Maryland	Progressive	$1,502	$1,800	$298
Maryland	Progressive	$1,642	$1,979	$337
Maryland	Progressive	$1,649	$1,987	$338
Maryland	Kemper	$1,686	$3,630	$1,944
Massachusetts	State Farm	$797	$1,179	$383
Massachusetts	State Farm	$1,038	$1,537	$500
Massachusetts	State Farm	$736	$1,090	$353
Massachusetts	State Farm	$797	$1,179	$383
Massachusetts	State Farm	$1,038	$1,537	$500
Massachusetts	State Farm	$736	$1,090	$353
Michigan	GEICO	$1,897	$2,015	$118
Michigan	GEICO	$2,091	$2,221	$130
Michigan	GEICO	$1,837	$1,951	$114
Michigan	GEICO	$1,897	$2,015	$118
Michigan	GEICO	$2,091	$2,221	$130
Michigan	GEICO	$1,837	$1,951	$114
Minnesota	State Farm	$1,477	$1,769	$292
Minnesota	State Farm	$1,470	$1,761	$291
Minnesota	State Farm	$1,457	$1,745	$288
Minnesota	Nationwide	$1,691	$2,958	$1,267
Minnesota	Nationwide	$1,758	$3,076	$1,318
Minnesota	State Farm	$1,774	$2,126	$353
Mississippi	Progressive	$733	$2,191	$1,458
Mississippi	Progressive	$789	$2,359	$1,570
Mississippi	Progressive	$683	$2,041	$1,358
Mississippi	Progressive	$733	$2,495	$1,762
Mississippi	Progressive	$789	$2,687	$1,898
Mississippi	Progressive	$683	$2,324	$1,641
Missouri	GEICO	$1,090	$3,422	$2,331
Missouri	GEICO	$1,130	$3,544	$2,414
Missouri	GEICO	$1,048	$3,289	$2,241
Missouri	GEICO	$1,131	$3,244	$2,113
Missouri	GEICO	$1,172	$3,360	$2,188
Missouri	GEICO	$1,087	$3,119	$2,031
Montana	Progressive	$1,205	$1,356	$151
Montana	Progressive	$1,348	$1,517	$169
Montana	Progressive	$1,147	$1,291	$144
Montana	Progressive	$1,205	$1,356	$151
Montana	Progressive	$1,348	$1,517	$169
Montana	Progressive	$1,147	$1,291	$144
Nebraska	Auto-Owners Insurance Co	$1,399	$1,651	$252
Nebraska	Auto-Owners Insurance Co	$1,379	$1,628	$249
Nebraska	Auto-Owners Insurance Co	$1,531	$1,807	$276
Nebraska	Auto-Owners Insurance Co	$1,442	$2,111	$669
Nebraska	Auto-Owners Insurance Co	$1,421	$2,080	$659
Nebraska	Auto-Owners Insurance Co	$1,578	$2,310	$732
Nevada	Nationwide	$2,012	$3,242	$1,230
Nevada	Nationwide	$2,302	$3,710	$1,408
Nevada	State Farm	$1,635	$1,940	$305
Nevada	Nationwide	$2,143	$3,716	$1,573
Nevada	Nationwide	$2,453	$4,253	$1,800
Nevada	State Farm	$2,006	$2,375	$369
New Hampshire	Concord Group	$930	$1,227	$297
New Hampshire	Concord Group	$1,085	$1,432	$346
New Hampshire	Concord Group	$847	$1,117	$270
New Hampshire	Concord Group	$974	$1,329	$355
New Hampshire	Concord Group	$1,137	$1,552	$415
New Hampshire	Concord Group	$887	$1,211	$324
New Jersey	GEICO	$2,184	$2,535	$351
New Jersey	Travelers	$2,472	$3,128	$656
New Jersey	GEICO	$1,651	$1,917	$266
New Jersey	Travelers	$2,354	$3,077	$723
New Jersey	Travelers	$2,509	$3,279	$770
New Jersey	GEICO	$1,846	$1,900	$54
New Mexico	Allstate	$1,370	$1,823	$453
New Mexico	Allstate	$1,344	$1,788	$444
New Mexico	State Farm	$1,224	$1,464	$240
New Mexico	Allstate	$1,584	$2,189	$605
New Mexico	Allstate	$1,554	$2,148	$594
New Mexico	State Farm	$1,516	$1,814	$298
New York	Kemper	$993	$1,772	$779
New York	Kemper	$1,074	$1,916	$842
New York	Kemper	$965	$1,721	$757
New York	Kemper	$1,066	$2,279	$1,212
New York	Kemper	$1,152	$2,463	$1,310
New York	Kemper	$1,035	$2,213	$1,178
North Carolina	Progressive	$1,049	$1,104	$56
North Carolina	Progressive	$1,141	$1,202	$60
North Carolina	Progressive	$965	$1,016	$51
North Carolina	Progressive	$1,049	$1,104	$56
North Carolina	Progressive	$1,141	$1,202	$60
North Carolina	Progressive	$965	$1,016	$51
North Dakota	Nationwide	$973	$1,582	$609
North Dakota	Nationwide	$986	$1,603	$617
North Dakota	Nationwide	$1,260	$2,048	$788
North Dakota	Nationwide	$1,075	$1,950	$875
North Dakota	Nationwide	$1,089	$1,976	$887
North Dakota	Nationwide	$1,391	$2,524	$1,133
Ohio	Nationwide	$939	$1,614	$675
Ohio	Nationwide	$1,134	$1,948	$814
Ohio	Nationwide	$1,023	$1,758	$735
Ohio	Nationwide	$1,087	$2,127	$1,039
Ohio	Nationwide	$1,313	$2,566	$1,254
Ohio	Nationwide	$1,184	$2,317	$1,132
Oklahoma	State Farm	$1,538	$1,791	$253
Oklahoma	State Farm	$1,842	$2,146	$303
Oklahoma	State Farm	$1,287	$1,498	$212
Oklahoma	Allstate	$1,790	$2,576	$786
Oklahoma	Allstate	$2,094	$3,012	$919
Oklahoma	Allstate	$1,561	$2,247	$686
Oregon	State Farm	$1,175	$1,625	$450
Oregon	State Farm	$1,274	$1,764	$490
Oregon	State Farm	$1,027	$1,419	$392
Oregon	Nationwide	$1,318	$2,991	$1,672
Oregon	Nationwide	$1,402	$3,181	$1,779
Oregon	State Farm	$1,287	$1,771	$484
Pennsylvania	Nationwide	$1,101	$2,097	$997
Pennsylvania	Nationwide	$1,167	$2,219	$1,053
Pennsylvania	Travelers	$1,008	$1,414	$406
Pennsylvania	Nationwide	$1,101	$2,097	$997
Pennsylvania	Nationwide	$1,167	$2,219	$1,053
Pennsylvania	Travelers	$1,008	$1,414	$406
Rhode Island	State Farm	$1,335	$1,575	$240
Rhode Island	State Farm	$1,488	$1,755	$267
Rhode Island	State Farm	$1,284	$1,515	$231
Rhode Island	Travelers	$1,556	$5,069	$3,512
Rhode Island	Travelers	$1,694	$5,519	$3,825
Rhode Island	Travelers	$1,583	$5,155	$3,573
South Carolina	Auto-Owners Insurance Co	$1,840	$1,836	$-4
South Carolina	Auto-Owners Insurance Co	$2,082	$2,078	$-5
South Carolina	Travelers	$1,627	$2,264	$638
South Carolina	Auto-Owners Insurance Co	$1,927	$2,241	$314
South Carolina	Auto-Owners Insurance Co	$2,181	$2,535	$355
South Carolina	Auto-Owners Insurance Co	$1,786	$2,076	$291
South Dakota	Allstate	$952	$1,443	$491
South Dakota	Allstate	$945	$1,433	$488
South Dakota	Allstate	$1,062	$1,610	$548
South Dakota	Allstate	$1,051	$1,757	$705
South Dakota	Allstate	$1,044	$1,745	$701
South Dakota	Allstate	$1,174	$1,961	$787
Tennessee	State Farm	$1,191	$1,470	$279
Tennessee	State Farm	$1,291	$1,593	$302
Tennessee	State Farm	$1,109	$1,368	$259
Tennessee	Auto-Owners Insurance Co	$1,423	$1,828	$405
Tennessee	Auto-Owners Insurance Co	$1,446	$1,858	$411
Tennessee	State Farm	$1,402	$1,724	$322
Texas	State Farm	$1,438	$1,824	$386
Texas	State Farm	$1,469	$1,864	$394
Texas	State Farm	$1,332	$1,690	$358
Texas	State Farm	$1,786	$2,303	$518
Texas	State Farm	$1,824	$2,353	$529
Texas	State Farm	$1,654	$2,133	$479
Utah	Nationwide	$1,278	$2,457	$1,179
Utah	Nationwide	$1,461	$2,809	$1,348
Utah	Nationwide	$1,431	$2,752	$1,320
Utah	Nationwide	$1,420	$3,037	$1,617
Utah	Nationwide	$1,624	$3,472	$1,848
Utah	Nationwide	$1,591	$3,402	$1,811
Vermont	State Farm	$879	$1,075	$196
Vermont	State Farm	$919	$1,124	$204
Vermont	State Farm	$825	$1,009	$184
Vermont	State Farm	$1,103	$1,345	$242
Vermont	State Farm	$1,153	$1,407	$254
Vermont	State Farm	$1,035	$1,263	$228
Virginia	Nationwide	$1,064	$1,907	$843
Virginia	Nationwide	$1,145	$2,052	$907
Virginia	Nationwide	$1,215	$2,178	$963
Virginia	Nationwide	$1,176	$2,336	$1,159
Virginia	Nationwide	$1,266	$2,514	$1,248
Virginia	Nationwide	$1,344	$2,668	$1,324
Washington	Allstate	$1,601	$2,340	$739
Washington	Allstate	$1,697	$2,480	$783
Washington	Travelers	$1,495	$2,089	$593
Washington	Capital Insurance Group	$1,721	$1,739	$19
Washington	Capital Insurance Group	$1,781	$1,800	$19
Washington	GEICO	$1,607	$2,415	$808
West Virginia	Nationwide	$1,378	$2,281	$903
West Virginia	Nationwide	$1,437	$2,379	$942
West Virginia	Nationwide	$1,457	$2,412	$955
West Virginia	Nationwide	$1,564	$2,943	$1,379
West Virginia	Nationwide	$1,631	$3,070	$1,439
West Virginia	GEICO	$1,551	$2,116	$565
Wisconsin	Nationwide	$1,013	$1,892	$879
Wisconsin	Nationwide	$1,082	$2,022	$939
Wisconsin	Travelers	$1,018	$1,690	$672
Wisconsin	Nationwide	$1,092	$2,213	$1,121
Wisconsin	Nationwide	$1,167	$2,365	$1,198
Wisconsin	GEICO	$1,111	$1,624	$513
Wyoming	Allstate	$1,167	$1,690	$522
Wyoming	Allstate	$1,128	$1,633	$505
Wyoming	Allstate	$1,345	$1,947	$602
Wyoming	Allstate	$1,326	$2,128	$802
Wyoming	Allstate	$1,282	$2,057	$775
Wyoming	Allstate	$1,528	$2,452	$924

Average Cost of Car Insurance for Teens

The average cost of car insurance for a teen driver is:

On a family policy: $3,048
On an individual policy: $4,866

Adding an 18-year-old to your policy could save over a thousand dollars compared to getting them their own policy. However, there are scenarios where individual insurance may be more advantageous. For example, if the teenager drives a high-performance or luxury vehicle that's costly to insure, separating them into an individual policy could prevent a steep increase in the family's overall premium. This allows the rest of the family to maintain lower rates while tailoring the teen's coverage to their specific needs.

Cost of Insuring Teen Males vs. Females

Adding a male teen driver to your family policy typically costs over $350 more annually than adding a female teen.

Insurance companies rely on statistics during these years since teens lack an extensive driving record. Data from the National Highway Traffic Safety Administration shows male teen drivers face higher fatal accident risks than females, making them costlier to insure.

Average Insurance Costs for 18-Year-Old Males vs. Females

Female

18-Year-Old

$2,686

Male

18-Year-Old

$3,048

Premiums for males are on average:$362 more

This is 13% more expensive.

How to Get Cheap Insurance for Teenage Drivers

To reduce car insurance costs for teen drivers, consider limiting their driving hours and ensuring they drive fewer miles annually. Keeping the car title in a parent or guardian's name and having the teen complete a certified driving course can unlock additional discounts. Moreover, assigning the teen to an inexpensive car rather than a high-cost vehicle can further lower insurance premiums.

Limit their driving distances

Some companies will offer discounts to drivers who drive relatively little per year. Limiting teens' driving to daylight hours can also help decrease their chances of getting in a car accident, which would increase insurance costs.

Keep the car title in your name

In some cases, putting your teen's name on the title will mean they need to get their own insurance, which tends to be more expensive.

If your under-18 teen has their own car, most states require the title to include the parent or guardian, even if the teen actually paid for the vehicle. And as a reminder, teens under age 18 are not legally allowed to purchase car insurance; however, a parent or guardian can purchase or co-sign a separate policy for a minor teen.

Have your teen take a driving course

Some companies will offer discounts to teens who complete certified driver's education programs.

Have them driver an inexpensive car

Having a teen driver operate a cheaper car model can lead to significant savings on insurance premiums. Cheaper cars often cost less to repair or replace, reducing the insurer's potential payout in case of an accident.

Ask your insurance agent to assign your teen to the cheapest car

Some companies may automatically assign the highest-cost driver (typically a teen) to the most expensive vehicle, which can further inflate costs. So it’s always worth specifying which car should be assigned to them.

Cars With Lowest Insurance Rates for Teenage Drivers

MoneyGeek found that for teen drivers aged 16–19, the following cars are the cheapest to insure based on the newest car models for a full coverage policy:

16-year-old: Subaru Forester ($5,777)
17-year-old: Subaru Forester ($4,698)
18-year-old: Subaru Forester ($4,132)
19-year-old: Subaru Forester ($2,865)

Premiums can skyrocket for teenagers, who are often categorized as high-risk drivers, so opting for a car that's cheaper to insure can significantly lower these costs. A vehicle that’s rated high for safety can help lower the costs, while an expensive, fast car might increase the costs. The type of vehicle is an important consideration when adding a teen and a second or third vehicle to your family policy.

The Insurance Institute for Highway Safety is a great place to start looking at safety ratings.

The table below shows the cheapest car models to insure based on the teen driver's age and desired coverage level.

Coverage

Age

Make/Model	Premium
MINI Cooper	$1,128
Chevrolet Corvette	$1,131
Subaru Forester	$1,221
MINI Electric	$1,236
Subaru Outback	$1,245
MINI Cooper	$1,619
Chevrolet Corvette	$1,644
Subaru Forester	$1,770
MINI Electric	$1,791
Subaru Outback	$1,809
MINI Cooper	$1,867
Chevrolet Corvette	$1,887
Subaru Forester	$2,040
MINI Electric	$2,064
Subaru Outback	$2,088
Chevrolet Corvette	$2,303
MINI Cooper	$2,305
Subaru Forester	$2,532
MINI Electric	$2,550
Subaru Outback	$2,575
Subaru Forester	$2,865
Subaru Outback	$2,905
Honda CR-V	$2,964
MINI Cooper	$3,010
Mazda CX-5	$3,029
Subaru Forester	$4,132
Subaru Outback	$4,188
Honda CR-V	$4,271
MINI Cooper	$4,275
Mazda CX-5	$4,352
Subaru Forester	$4,698
Subaru Outback	$4,767
MINI Cooper	$4,858
Honda CR-V	$4,865
Mazda CX-5	$4,949
Subaru Forester	$5,777
Subaru Outback	$5,853
MINI Cooper	$5,958
Honda CR-V	$5,996
Mazda CX-5	$6,099

Average 16-year-old Insurance Cost By Vehicle Type

Subaru Forester

Annual Premium

$5,777

Mazda CX-5

Annual Premium

$6,099

Owning a Mazda CX-5 is::$322 more

This is 6% more expensive.

Car Insurance Discounts for Teens

Teen drivers can benefit from a variety of discounts to reduce insurance costs. Good student discounts reward academic achievements, while defensive driving discounts are granted to those who complete approved driving courses. Additionally, telematics-based programs offer savings based on safe driving habits monitored via devices or apps.

Discount	How it Works
Good Student Discount	Offers savings to students who maintain a certain GPA or rank in the top percentage of their class.
Defensive Driving Discount	Rewards drivers who complete a certified defensive driving course.
Safe Driver Discount	Reduced rates for drivers with no at-fault accidents or traffic violations for a specific period.
Distant Driver Discount	Discounts for students who attend school far from home and don't drive the insured vehicle often.
Telematics-Based Programs	Rates based on driving behavior monitored by a device or app, rewarding safe driving habits.
Multi-Car Discount	Savings for households insuring multiple vehicles on the same policy.
Annual Mileage Discount	Reduced rates for drivers who drive below a certain number of miles annually.
Family Policy Discount	Savings when adding a teen driver to a parent or guardian's existing policy instead of a separate one.
Driver's Education Discount	Rewards teen drivers who complete a certified driver's education program.

Many insurance providers, including Erie, State Farm and GEICO, have special car insurance discounts tailored for teen drivers. If your teen is gearing up to hit the road, whether on their own policy or as an addition to the family's, these discounts can be a helpful way to manage the expenses associated with insuring young drivers.

Erie

Erie Insurance offers various discounts to help teens and their parents save on auto insurance. Teens can benefit from the youthful driver discount, student away discount for those studying far from home and good student discount for maintaining a strong GPA. Parents can take advantage of the multi-car discount for insuring multiple vehicles and the safe driver discount for maintaining a clean driving record.

Bundling auto with home or renters insurance can also offer savings, and Erie's accident forgiveness policy can prevent your premium from rising after your first at-fault accident. Keep in mind that discounts may vary by state and other factors. It's best to consult an Erie representative for the most accurate information.

State Farm

State Farm offers a range of auto insurance discounts that can benefit both teens and their parents. The good student discount is available for teens who maintain strong academic performance. The Steer Clear program offers another way for young drivers to save by completing a safe driving course.

Meanwhile, the multi-car discount is available for families insuring more than one vehicle, and the safe driver discount rewards those with a clean driving record. Bundling home and auto insurance can also lead to significant savings. To get the most accurate and personalized information, we recommend speaking directly with a State Farm agent.

GEICO

Teens on a GEICO Policy can qualify for the good student discount if they maintain a certain GPA and the driver's education Discount if they complete a driver's education course.

For parents, the multi-vehicle discount is available for insuring more than one car with GEICO. The company also offers a safe driver discount for those with a clean driving record, and bundling auto with other types of insurance like home or renters can result in more savings.

GEICO also has a unique Military Discount, which could be beneficial for families with a military background. The availability and specifics of these discounts can vary by state and other individual factors, so it's best to contact a GEICO representative for the most tailored information.

The costs of insuring a teen driver vary greatly depending on what type of car they drive, how well they drive and where they live. Thankfully, many discounts are available that reward teens for being good drivers and citizens and getting good grades. Always get several quotes to compare policies and keep your costs down.

In addition to discounts, opting for a no-down payment car insurance allows you to get affordable car insurance with a low upfront cost. At a minimum, you must make the first month's premium payment to activate a car insurance policy.

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Teen Car Insurance FAQ

MoneyGeek answered the most common questions about securing the cheapest car insurance options specifically for teens. Equip yourself with the knowledge you need to make a smart financial decision for your family.

Learn More About Car Insurance

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

sources

Insurance Information Institute. "Facts + Statistics: Teen drivers." Accessed November 11, 2023.
Insurance Institute for Highway Safety. "Vehicle Ratings." Accessed November 11, 2023.
National Highway Traffic Safety Administration. "Young Drivers." Accessed November 11, 2023.

Cheapest Car Insurance for Teens 2023

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Key Takeaways

Cheapest Car Insurance for Teens

Cheapest Car Insurance for 16-Year-Old Teens

Cheapest Car Insurance for 16-Year-Olds by State

Cheapest Car Insurance for 17-Year-Old Teens

Cheapest Car Insurance for 17-Year-Olds by State

Cheapest Car Insurance for 18-Year-Old Teens

Cheapest Car Insurance for 18-Year-Olds by State

Cheapest Car Insurance for 19-Year-Old Teens

Cheapest Car Insurance for 19-Year-Olds by State

Compare Auto Insurance Rates

Average Cost of Car Insurance for Teens

Cost of Insuring Teen Males vs. Females

Average Insurance Costs for 18-Year-Old Males vs. Females

How to Get Cheap Insurance for Teenage Drivers

Limit their driving distances

Keep the car title in your name

Have your teen take a driving course

Have them driver an inexpensive car

Ask your insurance agent to assign your teen to the cheapest car

Cars With Lowest Insurance Rates for Teenage Drivers

Average 16-year-old Insurance Cost By Vehicle Type

Car Insurance Discounts for Teens

Expert Advice: Navigating Car Insurance for Teen Drivers

Teen Car Insurance FAQ

Learn More About Car Insurance

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