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

The typical 18-year-old driver's insurance rate for car insurance is $356 per month — equating to $2,136 per six-month policy.

Affordable car insurance can be difficult to find as an 18-year-old young driver. Even though many 18-year-olds are leaving high school and entering the real world, car insurance companies still see them as "high-risk," due to their relative lack of experience behind the wheel — they are more prone to getting in a car accident or receiving citations on their driving record. Therefore, their average car insurance rate will be much higher than that of an older driver.

We've outlined the best cheap car insurance companies for 18-year-old drivers — as well as some easy ways to save — in our comprehensive guide.

The cheapest car insurance companies for an 18-year-old driver

In The Zebra's survey of hundreds of top insurance companiesUSAA and GEICO had the cheapest auto insurance rates for 18-year-old drivers.

Average Car Insurance Rates for 18-Year-Olds by Company
Company Avg. 6 Mo. Premium Avg. Monthly Premium
Allstate $3,243 $541
American Family $2,262 $377
Farmers $3,514 $586
GEICO $1,934 $322
Liberty Mutual $3,750 $625
Nationwide $2,485 $414
Progressive $3,265 $544
State Farm $1,980 $330
USAA $1,493 $249
Updated: 09/29/22.

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

The above table illustrates just how much variance exists from company to company. One of the best ways to find a cheap car insurance rate as an 18-year-old is to compare car insurance quotes often.

Consider this data as a starting point and continue to research your specific profile across multiple companies. Learn more about our methodology.

Car insurance rates for 18-year-old drivers — table of contents:

  1. By gender: male vs. female drivers
  2. By location
  3. How to save

Car insurance rates for 18-year-olds: by gender

Your gender can affect your premium just like your age. When evaluating risk, insurance companies see young males as statistically more likely to take unsafe driving risks than young female drivers — and therefore, are higher-risk clients. Because of this, they are more expensive to insure. Still, it's worth considering that as you age, the difference between men and women becomes less significant. In fact, some states don't use gender as a metric for determining car insurance rates at all.

AVERAGE PREMIUMS FOR 18-YEAR-OLD DRIVERS: MALES AND FEMALES
18-year-old gender data visualization
Gender Avg. 6 Mo. Premium Avg. Monthly Premium
Male $2,706 $451
Female $2,387 $398
Updated: 09/29/22.

What's the cheapest car insurance company for an 18-year-old male?

We gathered rates from some of the top car insurance companies in the U.S. to help young drivers start their search for auto insurance in the right place. 

Average Premiums for 18-Year-Old Male Drivers
Company Avg. 6 Mo. Premium Avg. Monthly Premium
Allstate $3,473 $579
American Family $2,478 $413
Farmers $3,669 $611
GEICO $2,065 $344
Liberty Mutual $4,478 $746
Nationwide $2,692 $449
Progressive $3,442 $574
State Farm $2,150 $358
USAA $1,553 $259
Updated: 09/29/22.

USAA and GEICO again came out on top, offering much lower rates than other insurance companies for 18-year-old male drivers.

 

What's the cheapest car insurance company for an 18-year-old female?

Auto insurance for young female drivers is pricey but less expensive than the rates paid by their male counterparts. See below for average costs by insurance company in our survey of rates for 18-year-old female drivers.

Average Premiums for 18-Year-Old Female Drivers
Company Avg. 6 Mo. Premium Avg. Monthly Premium
Allstate $3,014 $502
American Family $2,047 $341
Farmers $3,359 $560
GEICO $1,804 $301
Liberty Mutual $3,021 $503
Nationwide $2,277 $379
Progressive $3,088 $515
State Farm $1,809 $302
USAA $1,433 $239
Updated: 09/29/22.

Start your search with GEICO if you don't qualify for USAA. These auto insurance providers offer relatively affordable rates for an 18-year-old female driver.


18-year-old car insurance rates by location

Your car insurance premium depends on state laws and regulations, so the amount you pay varies based on where you live. By law, most states require mandatory minimum insurance coverage for your bodily injury and property liability coverages, but the amount of required coverage differs by state. If you live in Michigan, where the minimum required coverage is well above the national average, you'll probably pay more for auto insurance than you would in another state.

Average Car Insurance Premiums for 18-Year-Olds by State
State Avg. 6 Mo. Premium Avg. Monthly Premium
Alabama $2,967 $494
Alaska $2,325 $387
Arizona $2,583 $430
Arkansas $3,323 $554
California $2,653 $442
Colorado $3,228 $538
Connecticut $3,246 $541
Delaware $3,907 $651
Florida $3,756 $626
Georgia $3,111 $518
Hawaii $930 $155
Idaho $2,053 $342
Illinois $2,389 $398
Indiana $2,227 $371
Iowa $1,958 $326
Kansas $2,912 $485
Kentucky $4,838 $806
Louisiana $4,696 $783
Maine $2,055 $343
Maryland $3,327 $555
Massachusetts $3,269 $545
Michigan $4,502 $750
Minnesota $2,817 $470
Mississippi $2,466 $411
Missouri $2,821 $470
Montana $2,786 $464
Nebraska $2,523 $421
Nevada $3,157 $526
New Hampshire $2,628 $438
New Jersey $4,224 $704
New Mexico $2,583 $431
New York $3,915 $653
North Carolina $1,408 $235
North Dakota $3,018 $503
Ohio $1,874 $312
Oklahoma $2,827 $471
Oregon $2,741 $457
Pennsylvania $2,794 $466
Rhode Island $4,341 $723
South Carolina $2,764 $461
South Dakota $2,253 $376
Tennessee $2,656 $443
Texas $3,237 $540
Utah $2,873 $479
Vermont $2,333 $389
Virginia $2,399 $400
Washington $2,848 $475
Washington, D.C. $3,266 $544
West Virginia $3,046 $508
Wisconsin $2,100 $350
Wyoming $2,422 $404
Updated: 09/29/22.
The Most Expensive States for Auto Insurance (16-to-19-Year-Old Drivers)
State Avg. 6 Mo. Premium Avg. Monthly Premium
Louisiana $5,423 $904
Kentucky $5,043 $840
Michigan $4,623 $771
Rhode Island $4,480 $747
New Jersey $4,401 $733
Updated: 09/29/22.

How to find cheap car insurance as an 18-year-old

Look into the following options if you're looking for ways to save money on your auto insurance rate.

Good student discount

If you excel at school by maintaining a grade point average of 3.0 ("B") or better, insurance companies will return some savings to you. When combined with the Defensive Driver Discount mentioned below, a Good Student insurance discount can help you save some serious money on auto insurance.

GOOD STUDENT + GOOD DRIVER DISCOUNTS — AVERAGE ANNUAL SAVINGS
Age Male Female
18 $338 $197

Learn more about student discounts for car insurance.

Defensive driver discount

Younger drivers who have taken a defensive driving course are less likely to receive a citation or get into an accident. Like the Good Student Discount, your insurance company will usually require proof of this such as a receipt. Not every insurance provider offers this discount, so ask your insurer about this option.

 

Student away from home discount

If you attend school more than 100 miles from the residence listed on your car insurance policy, you can receive a Student Away From Home Discount. This discount lists the 18-year-old driver as an "infrequent driver."

 

Compare insurance rates

Although it is exceedingly expensive to insure a teen driver, it isn't impossible. By shopping around with as many insurance companies as possible, you are able to see all of your options and make the best and cheapest choice for you.

 

Drive a cheaper or older vehicle

One way to lower rates for teen drivers is to put them behind the wheel of a less expensive vehicle. Cars that are a few years old still feature many of the same safety benefits featured by newer cars, but their overall cost to insure tends to be much cheaper. In general, to keep rates down for teens, it's always a good idea to avoid sports cars of any kind.

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.