Cheap Car Insurance for Teens

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How much does car insurance for teens cost?

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. 

CompanyFemale - Teen DriverMale - 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 reflects historical filings from 2019 and should be used as an estimate. Consider our example as a roadmap to help you search for cheap car insurance for teen drivers. If you want real estimates based on your driving profile, enter your ZIP code below to get spam-free quotes!

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How to find cheap car insurance for teens — table of contents:

  1. How much is car insurance for a male teen?
  2. How much is car insurance for a female teen?
  3. Average cost by coverage level for teen drivers
  4. Average premium for teen drivers by state
  5. How to get cheap car insurance for teens

 

Car insurance for male teenage drivers

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.

CompanyMale - 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

While you can find average rates by state for teen drivers here, below are insurance rates for five of the most populous states in the US. The data below is based on a 16-19-year-old male driver.

 

California

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 car insurance, you should consider USAA, Progressive, and State Farm.

 

Florida

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, shop with USAA and Progressive for the most affordable car insurance.

 

Georgia

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.

 

Massachusetts

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.

 

Michigan

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.

 

Texas

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 drivers.

 

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Car insurance for female teenage 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.

CompanyFemale - 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

 

If we look at the same five states as our male teens, we can see that USAA and Progressive tend to be the cheapest companies.

Below are rates from top providers in five major states. The data below is based on a 16-to-19-year-old female driver. See our section for more state's average premium for teen drivers.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

California

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.

 

Florida

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.

 

Georgia

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.

 

 

Massachusetts

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.

 

Michigan

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.

 

Texas

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

Texas teen drivers should compare rates from USAA and Liberty Mutual.

 

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Average cost of car insurance for teens by coverage level

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.

 

“Best” car insurance coverage level for teen drivers

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.

 

“Good” insurance coverage level for teen drivers

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.

CompanyAuto 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 coverage

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.

  • Having a history of low insurance coverage can make it more expensive to get insurance in the future because of the risk insurance companies see with drivers who carry minimum coverage.
  • You risk being underinsured in the event of an at-fault accident. Meaning, you can be sued for any monetary damage that is not covered by your liability insurance.
  • You have no physical coverage for your vehicle. Consider at-fault accidents, damage caused by uninsured drivers, or comprehensive claims (theft/weather/animal-related damage) before you drop this coverage.

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

 

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Average car insurance premiums for teen drivers by state

If you're looking for more information regarding car insurance with teens, see our related articles below.

State16-19
Alabama$5,972
Alaska$4,465
Arizona$5,302
Arkansas$5,782
California$6,641
Colorado$6,118
Connecticut$6,686
Delaware$7,193
District of Columbia$5,809
Florida$5,861
Georgia$5,504
Hawaii$1,149
Idaho$4,104
Illinois$4,441
Indiana$4,197
Iowa$3,069
Kansas$5,074
Kentucky$7,776
Louisiana$9,348
Maine$3,420
Maryland$4,426
Massachusetts$4,594
Michigan$8,436
Minnesota$5,068
Mississippi$5,768
Missouri$5,174
Montana$4,798
Nebraska$4,448
Nevada$8,164
New Hampshire$4,842
New Jersey$6,334
New Mexico$5,394
New York$5,553
North Carolina$2,093
North Dakota$4,783
Ohio$3,927
Oklahoma$6,003
Oregon$5,218
Pennsylvania$3,944
Rhode Island$8,180
South Carolina$4,848
South Dakota$4,582
Tennessee$5,773
Texas$5,857
Utah$5,057
Vermont$4,174
Virginia$3,225
Washington$4,999
West Virginia$5,286
Wisconsin$4,795
Wyoming$4,461

 

How to find cheap car insurance for teens

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. 

 

Good Student Discount

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.

AgeMaleFemale
16$439$248
17$348$222
18$338$197
19$278$160

 

Defensive Driver/Safe Driving Discount

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.

 

Choose a moderate vehicle

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.

 

Keep your teen on your car insurance policy

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.

 

Consider additional coverage

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.

 

Don't pay for coverage you don't need

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.

 

Shop around

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!

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Recent Questions:

Cheap Car Insurance for Teens

Can my insured relative drive my new, uninsured car off the lot?

Even if your relative is insured, they cannot drive the car home without insurance. Their coverage does not extend to your new vehicle unless they choose to add it to their policy.

What is the cheapest car to have my teenage son drive?

With most companies, all drivers on the policy are covered to drive all cars on the policy. This means vehicles are not typically assigned to a driver.

Can an insurance company refuse to remove a child from my policy?

All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them.

Do I need my parent's consent to get car insurance?

No, since you will be driving your parent's car, they will need to add you to their policy. There are a few reasons.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.