See rates from USAA, GEICO, Allstate and other top insurance companies for a male or female teen driver.
The average teen pays $1,133 for car insurance on their parent's policy every six months. If you're a male teen driver, you should expect to pay more than a female teen driver — $1,207 for a six-month insurance policy for a male teen versus $1,060 for a female teen. Per month, male teem drivers pay $25 more for car insurance than female drivers on their parent’s auto insurance policy.
Given the expense of insuring a teen driver, we’ve outlined below the cheapest companies for male and female teen drivers, state-by-state and coverage-specific costs, along with other ways to save.
| Company | Female - Teen Driver | Male - Teen Driver |
| 1. USAA | $752 | $830 |
| 2. Esurance | $766 | $786 |
| 3. Nationwide | $1,088 | $1,246 |
| 4. Shelter | $1,098 | $1,313 |
| 5. GEICO | $1,154 | $1,321 |
| 6. State Farm | $1,233 | $1,414 |
| 7. Farmers | $1,251 | $1,433 |
| 8. Progressive | $1,367 | $1,519 |
| 9. Liberty Mutual | $1,517 | $1,618 |
| 10. Amica | $1,586 | $1,655 |
| 11. Allstate | $1,821 | $2,114 |
The data above comes from 2019 rate filings and should be considered an estimate of your potential costs. If you want real quotes based on your driving profile, enter your ZIP code below to compare quotes.
Male teen drivers typically pay more in premium than female drivers because of the comparative risk they present. On average, adding your son to your policy will raise your car insurance rates by $987.
If we look at the top 50 insurance companies in the US, the cheapest insurance companies for adding a teen driver to their parents' policy are regional companies. If you prefer to stick to a large company, consider USAA, Esurance, Progressive, American Family, and GEICO.
| Company | Male - Teen Driver |
| 1. USAA | $830 |
| 2. Esurance | $786 |
| 3. Nationwide | $1,246 |
| 4. Shelter | $1,313 |
| 5. GEICO | $1,321 |
| 6. State Farm | $1,414 |
| 7. Farmers | $1,433 |
| 8. Progressive | $1,519 |
| 9. Liberty Mutual | $1,618 |
| 10. Amica | $1,655 |
| 11. Allstate | $2,114 |
Below are insurance rates for a male teen driver in five of the most populous states in the U.S. The rates below represent an average of rates for 16-, 17-, 18-, and 19-year-old male drivers.
| Auto Insurance Company | Insurance Premium |
| Allstate | $1,245 |
| Farmers | $2,923 |
| GEICO | $1,941 |
| Liberty Mutual | $1,457 |
| Nationwide | $2,198 |
| Progressive | $1,173 |
| State Farm | $1,179 |
| USAA | $1,214 |
| Average | $1,666 |
If you’re a California resident looking for cheap car insurance for a teenage driver, consider USAA, Progressive, and State Farm.
| Auto Insurance Company | Insurance Premium |
| Allstate | $3,119 |
| GEICO | $2,084 |
| Nationwide | $2,259 |
| Progressive | $1,205 |
| State Farm | $2,331 |
| USAA | $1,101 |
| Farmers | $2,494 |
| Liberty Mutual | $2,360 |
| Average | $2,119 |
For male teen drivers in Florida, USAA and Progressive provide some of the most affordable car insurance.
| Auto Insurance Company | Insurance Premium |
| Allstate | $1,664 |
| GEICO | $2,071 |
| Nationwide | $2,307 |
| Progressive | $1,432 |
| State Farm | $2,148 |
| USAA | $1,872 |
| Liberty Mutual | $2,249 |
| Farmers | $2,149 |
| Average | $1,987 |
Georgians should consider Progressive, USAA, and Allstate for their car insurance needs.
| Auto Insurance Companies | Insurance Premiums |
| Allstate | $2,254 |
| GEICO | $1,041 |
| Nationwide | $1,639 |
| Liberty Mutual | $2,580 |
| Progressive | $1,228 |
| State Farm | $633 |
| Farmers | $1,632 |
| USAA | $1,747 |
| Average | $1,594 |
State Farm is the least expensive insurer in Massachusetts – about $961 cheaper than average.
| Auto Insurance Companies | Insurance Premiums |
| Allstate | $7,116 |
| Farmers | $3,344 |
| GEICO | $1,770 |
| Nationwide | $2,264 |
| Progressive | $1,729 |
| State Farm | $3,558 |
| USAA | $1,126 |
| Liberty Mutual | $3,172 |
| Average | $3,010 |
Michigan is consistently the most expensive state for car insurance. Our data shows USAA and Progressive are the cheapest options for Michiganders.
| Auto Insurance Companies | Insurance Premiums |
| Allstate | $2,061 |
| GEICO | $1,390 |
| State Farm | $2,133 |
| USAA | $1,080 |
| Progressive | $1,267 |
| Nationwide | $1,536 |
| Farmers | $1,572 |
| Liberty Mutual | $1,666 |
| Average | $1,588 |
USAA, Progressive, and GEICO will be the cheapest insurance provider for Texan teen drivers.
While not as expensive as teenage male drivers, adding a young daughter on your policy can still increase your premium an average of $435. The average monthly premium for a female teen driver on her parent’s policy is $176 – about $1,060 for a six-month policy.
If you’re looking for the cheapest insurance company for your teen, you should consider regional companies. However, if you’d prefer the reputation of a larger company, USAA, GEICO, Progressive and Esurance are other cheap insurance companies for female drivers between the ages of 16 and 19.
| Company | Female - Teen Driver |
| 1. USAA | $752 |
| 2. Esurance | $766 |
| 3. Nationwide | $1,088 |
| 4. Shelter | $1,098 |
| 5. GEICO | $1,154 |
| 6. State Farm | $1,233 |
| 7. Farmers | $1,251 |
| 8. Progressive | $1,367 |
| 9. Liberty Mutual | $1,517 |
| 10. Amica | $1,586 |
| 11. Allstate | $1,821 |
See below rates for female teen drivers in five populous U.S. states. The data below is based on female drivers aged 16, 17, 18, and 19.
| Auto Insurance Companies | Insurance Premiums |
| Nationwide | $2,081 |
| GEICO | $1,941 |
| Farmers | $1,810 |
| Liberty Mutual | $1,401 |
| Progressive | $1,306 |
| Allstate | $1,245 |
| USAA | $1,212 |
| State Farm | $1,179 |
| Average | $1,522 |
To get the lowest price for car insurance in California, consider State Farm and USAA.
| Auto Insurance Companies | Insurance Premiums |
| Progressive | $3,517 |
| Allstate | $2,478 |
| State Farm | $1,855 |
| GEICO | $1,720 |
| USAA | $966 |
| Nationwide | $2,118 |
| Farmers | $1,839 |
| Liberty Mutual | $1,711 |
| Average | $2,025 |
Shopping with USAA can save you an average of $1,060 per policy period for teen drivers in Florida.
| Auto Insurance Companies | Insurance Premiums |
| Progressive | $2,982 |
| GEICO | $1,967 |
| Nationwide | $1,726 |
| State Farm | $1,609 |
| USAA | $1,605 |
| Allstate | $1,301 |
| Farmers | $1,857 |
| Liberty Mutual | $1,669 |
| Average | $1,840 |
If you’re a teen driver from Georgia, get quotes from Allstate and USAA.
| Auto Insurance Companies | Insurance Premiums |
| Liberty Mutual | $2,580 |
| Allstate | $2,254 |
| Progressive | $2,228 |
| GEICO | $1,041 |
| State Farm | $633 |
| USAA | $1,753 |
| Nationwide | $1,588 |
| Farmers | $1,454 |
| Average | $1,691 |
State Farm is the least expensive insurer in Massachusetts – about $961 cheaper than average.
| Auto Insurance Companies | Insurance Premiums |
| Allstate | $7,116 |
| State Farm | $3,558 |
| Progressive | $3,361 |
| Farmers | $3,344 |
| Nationwide | $2,264 |
| GEICO | $1,770 |
| USAA | $1,196 |
| Liberty Mutual | $2,668 |
| Average | $2,673 |
Get car insurance quotes from USAA and GEICO if you’re a teen driver in Michigan.
| Auto Insurance Companies | Insurance Premiums |
| Allstate | $1,723 |
| State Farm | $1,706 |
| GEICO | $1,169 |
| USAA | $1,001 |
| Progressive | $1,390 |
| Liberty Mutual | $1,392 |
| Nationwide | $1,403 |
| Farmers | $1,407 |
| Average | $1,399 |
Female teen drivers in Texas should compare rates from USAA and Liberty Mutual.
The amount of coverage your teen needs will depend on your vehicle and your personal preferences. We’ll group levels of coverage into three categories: best, good, and minimum.
"Best" coverage includes comprehensive and collision coverage (deductibles at $500) as well as high liability limits (100/300/100). "Good" coverage has lower liability limits (50/100/50) and higher deductibles ($1,000 for comprehensive and collision). "Minimum" coverage meets state-mandated liability limits and does not include full-body coverage.
The data below uses the same user methodology as the previous tables.
We recommend the “best” coverage level if you or your teen is driving a high-performance vehicle, you have considerable assets*, or you have a loan/leased vehicle.
| Company | Auto Insurance Rates |
| Allstate | $3,841 |
| Esurance | $3,081 |
| Farmers | $4,158 |
| GEICO | $2,546 |
| Liberty Mutual | $4,492 |
| Nationwide | $2,712 |
| Progressive | $4,001 |
| State Farm | $2,773 |
| USAA | $1,896 |
*Although we always encourage high levels of liability, if you have considerable financial assets your liability insurance can protect you from having these assets seized if you are sued after an accident. You can be sued if the damage you cause after an accident exceeds the value of your insurance.
Our “good” coverage offers a middle ground between state liability and the top tier coverage. It offers 50/100/50 liability limits and full coverage with a deductible of $1,000.
| Company | Auto Insurance Rates |
| Allstate | $3,310 |
| Esurance | $2,706 |
| Farmers | $3,627 |
| GEICO | $2,126 |
| Liberty Mutual | $3,413 |
| Nationwide | $2,357 |
| Progressive | $3,321 |
| State Farm | $2,453 |
| USAA | $1,595 |
While higher deductibles can help lower your overall premium, $500 deductibles are more common than the $1000 we selected below. If you’d prefer a $500 deductible, it would raise the group average of the below premiums by 12%, or $665.
Minimum liability coverage will keep you in good graces with your state’s department of insurance. However, it’s not recommended for a few years – especially if you have teen drivers.
However, minimum coverage is cheaper than the other coverage buckets above. If you’re worried about insurance costs, you can consider state liability only for your coverage needs.
| Company | Auto Insurance Rates |
| Allstate | $1,427 |
| Esurance | $1,575 |
| Farmers | $1,856 |
| GEICO | $867 |
| Liberty Mutual | $1,376 |
| Nationwide | $1,057 |
| Progressive | $1,623 |
| State Farm | $1,146 |
| USAA | $667 |
If you're looking for more information regarding car insurance with teens, see our related articles below.
Unfortunately, there is not much you can do to avoid paying significantly more for coverage for teen drivers. As they age and get more driving experience, their risk will lower. However, there are a few steps you can consider to lessen the financial blow. Let's get started.
If your driver has good grades, typically over a 3.0, you might want to consider the Good Student Discount. Your insurer would require proof, such as a transcript, every six months in order to qualify. On average and combined with a good driver discount, you can expect an average savings of $283!
More information on student discounts for top car insurance companies.
| Age | Male | Female |
| 16 | $439 | $248 |
| 17 | $348 | $222 |
| 18 | $338 | $197 |
| 19 | $278 | $160 |
Another option is what’s called a defensive driver discount. Young drivers who have taken a professional driving course are less likely to receive a citation or get into an accident. These courses can also help teach teens good driving habits to help reduce the potential for citations and accidents which can raise your premium. The exact requirements and specifications for this discount vary, so consult your insurance company for details to get a cheaper rate.
Many state and sometimes school-run programs offer teen driving safety courses. Make sure you check with your insurance company about the requirements before signing up.
Insurance companies not only use you as a rating factor for determining premiums but also your vehicle. If you’re interested in keeping your premium down it makes financial sense to choose a cheaper vehicle for less experienced drivers. Save the new trucks or luxury vehicles for more experienced drivers.
See our article for more information on moderately priced vehicles for teens.
Although there are some reasons to exclude your teen drivers from your policy, the most cost-efficient solution is to keep them on your policy. Experienced drivers will help reduce the risk presented by a young driver and thus reduce your insurance bill.
If you're not totally convinced by your teen's driving abilities, you may want to consider what's called accident forgiveness to your policy. While it varies by insurer and your state, this would "forgive" the first accident on your insurance policy — meaning, your rate wouldn't be raised just because you had an auto accident. There are some age and location restrictions to this policy.
If your new driver will be using an older vehicle, make sure you're not paying for coverage you do not need. Collision and comprehensive coverage are only designed for leased, financed, or vehicles worth more than $4,000.
The logic behind this is simple; if your vehicle isn't worth much to begin with, paying for coverage you do not need is a waste of money. You can determine the value of your vehicle by using online resources such as Kelley Blue Book and NADA online.
We encourage drivers of all ages to shop for car insurance every six months. As you can see with the data we presented above, there is a lot of price variation amongst car insurance companies. Plus, we didn’t even show all the companies! Only by comparing and getting rates from companies can you guarantee you’re getting the best rate.
By shopping with The Zebra, you can see local and national companies for your teen driver. Enter your ZIP code below to get a hassle and spam-free car insurance quote!
