The Best Car Insurance for 18-Year-Olds

Learn more about cheap car insurance options for 18-year-old drivers, or enter your ZIP below to compare quotes.

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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.

Cheap 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 companies, USAA and GEICO had the cheapest auto insurance rates for 18-year-old drivers.

AVERAGE CAR INSURANCE RATES FOR 18-YEAR-OLDS: BY COMPANY
Insurance CompanyAverage 6-Month PremiumMonthly Premium
Allstate$2,700$450
American Family$1,485$247
Farmers$2,492$415
GEICO$1,414$236
Liberty Mutual$2,660$443
Nationwide$1,731$288
Progressive$2,537$423
State Farm$1,591$265
Travelers$1,521$253
USAA$1,419$237

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:

 


 

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. On average, 18-year-old males are $257 more expensive per six-month car insurance policy period 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 6-MONTH PREMIUMS FOR 18-YEAR-OLD DRIVERS: MALES AND FEMALES
AgeMaleFemale$ Difference
18$2,264$2,007$257

 

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 6-MONTH PREMIUMS FOR 18-YEAR-OLD MALE DRIVERS
Insurance Company6-Month PremiumMonthly Premium
Allstate$2,877$480
American Family$1,565$261
Farmers$2,570$428
GEICO$1,494$249
Liberty Mutual$2,790$465
Nationwide$1,901$317
Progressive$2,673$445
State Farm$1,752$292
Travelers$1,646$274
USAA$1,488$248

USAA and GEICO again came out on top, offering much lower rates — less than $300 a month — 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 6-MONTH PREMIUMS FOR 18-YEAR-OLD FEMALE DRIVERS
Insurance Company6-Month PremiumMonthly Premium
Allstate$2,524$421
American Family$1,404$234
Farmers$2,414$402
GEICO$1,333$222
Liberty Mutual$2,532$422
Nationwide$1,560$260
Progressive$2,401$400
State Farm$1,429$238
Travelers$1,395$233
USAA$1,351$225

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, offering savings of about $70 per month compared to the group average.

 


 

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
StateAverage 6-Month Auto Insurance PremiumMonthly Premium
Alaska$1,973$329
Alabama$2,168$361
Arkansas$2,629$438
Arizona$2,534$422
California$2,409$401
Colorado$2,721$453
Connecticut$2,661$443
Washington DC$2,369$395
Delaware$2,573$429
Florida$2,679$446
Georgia$2,529$422
Hawaii$548$91
Iowa$1,310$218
Idaho$2,395$399
Illinois$1,813$302
Indiana$2,395$244
Kansas$2,173$362
Kentucky$2,520$420
Louisiana$3,742$624
Massachusetts$2,205$367
Maryland$2,010$335
Maine$1,679$280
Michigan$3,436$573
Minnesota$2,171$362
Missouri$2,551$425
Mississippi$2,319$387
Montana$2,514$419
North Carolina$1,108$185
North Dakota$1,850$308
Nebraska$2,104$351
New Hampshire$1,575$263
New Jersey$2,559$426
New Mexico$1,997$333
Nevada$2,846$474
New York$2,174$362
Ohio$1,496$249
Oklahoma$2,391$399
Oregon$2,298$383
Pennsylvania$1,989$331
Rhode Island$3,634$606
South Carolina$2,038$340
South Dakota$1,951$325
Tennessee$1,932$322
Texas$1,712$285
Utah$2,273$379
Virginia$1,477$246
Vermont$1,432$239
Washington$2,132$355
Wisconsin$1,859$310
West Virginia$2,355$392
Wyoming$1,914$319

THE MOST EXPENSIVE STATES FOR AUTO INSURANCE (16-TO-19-YEAR OLD DRIVERS)
StateAverage 6-Month PremiumMonthly Premium
Rhode Island$4,277$713
Louisiana$3,829$638
Michigan$3,498$583
Nevada$3,057$510
Connecticut$2,985$498

Learn more about car insurance rates in every U.S. state.

 


 

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
AgeMaleFemale
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.

 

Compare quotes and save today.

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.