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How much does car insurance cost for teens?

It's no secret that insurance for teen drivers is notoriously pricey. The typical teen pays $1,332 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 — $1,407 for a six-month insurance policy for a male teen versus $1,257 for a female teen. Per month, male teen drivers pay $25 more for car insurance than female drivers on their parents' auto insurance policy.

Given the expense of insuring a teen driver, we’ve outlined the best companies for teen drivers below. Continue reading to see state-by-state and coverage-specific costs, along with other ways to save.


The best car insurance companies for teen drivers

best company for teens
USAA

USAA consistently placed in the number one spot for teen drivers in The Zebra's Customer Satisfaction Survey.

The Zebra conducted a survey with the intention of understanding carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthiness, and willingness to recommend. Drivers in the youngest age group surveyed consistently ranked USAA and State Farm in the top two spots across the board. In the overall category, USAA and State Farm both received 4.5 stars from this age group.

Rank Company Average Customer Satisfaction Rating (out of 5)
1st USAA 4.5
2nd State Farm 4.5
3rd Kemper 4.2
4th GEICO 4.2
5th Farmers 4.2
6th Travelers 4.2
7th Progressive 4.1
8th Erie 4.1
9th Auto Club (AAA) 4.1
10th Allstate 4.0
11th National General 4.0
12th American Family 4.0
13th Liberty Mutual 3.9
14th Nationwide 3.8
15th Auto Owners 3.3

How much does car insurance cost for teen drivers?

Car insurance is even more expensive for teen drivers on their own policy — on average, it costs $2,287 every six months. To save the most money, insuring a teen driver under their parents' policy is almost always the best way to go; compared to a standalone policy for a teenage driver, parents can save $955 every six months by adding them to their policy. Consult the table below to see auto insurance rates for teen drivers on their own policy — ordered from cheapest to most expensive.

AVERAGE PREMIUMS FOR TEEN DRIVERS BY INSURANCE COMPANY
Teen carrier rates data visualization
Company Avg. Monthly Premium Avg. Annual Premium
USAA $320 $3,838
State Farm $394 $4,726
American Family $404 $4,843
GEICO $442 $5,303
Nationwide $471 $5,652
Allstate $569 $6,834
Amica Mutual $582 $6,980
Farmers $600 $7,206
Progressive $654 $7,842
Liberty Mutual $712 $8,543
Updated: 10/04/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.

If you want real quotes based on your driving profile, enter your ZIP code below to compare quotes.

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Auto insurance for teens by gender

For teen drivers, gender makes an impact on what you pay for car insurance. However, this factor becomes less significant as drivers age into adulthood. On average, it costs an extra $300 a year to add a young male driver versus a female teen driver to their parents' policy. Young male drivers are typically more expensive to insure than young female drivers.

Gender Avg. Monthly Premium Avg. Annual Premium
Female $457 $5,479
Male $531 $6,372
Updated: 10/04/22.

To see a breakdown of the cheapest insurance companies for teens by gender, continue reading.


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 a son to your policy will raise your car insurance rates by $725.

The cheapest insurance companies for adding a male teen driver (between the ages of 16 and 19) to their parents' policy are USAA and State Farm.

Company Avg. Monthly Premium Avg. Annual Premium
USAA $340 $4,075
State Farm $432 $5,185
American Family $450 $5,401
GEICO $472 $5,666
Nationwide $521 $6,258
Amica Mutual $597 $7,169
Allstate $616 $7,396
Farmers $648 $7,773
Progressive $693 $8,311
Liberty Mutual $884 $10,603
Updated: 10/04/22.

Car insurance for female teenage drivers

While not as expensive as teenage male drivers, adding a young daughter to your policy can still increase your insurance rate by an average of $575 every six months. The average monthly premium for a female teen driver on her parent’s policy is $209 — about $1,257 for a six-month policy.

CHEAPEST INSURANCE COMPANIES FOR FEMALE TEEN DRIVERS
Company Avg. Monthly Premium Avg. Annual Premium
USAA $300 $3,600
State Farm $356 $4,267
American Family $357 $4,284
GEICO $412 $4,940
Nationwide $420 $5,046
Allstate $523 $6,272
Liberty Mutual $540 $6,483
Farmers $553 $6,638
Amica Mutual $566 $6,791
Progressive $614 $7,374
Updated: 10/04/22.

USAA and State Farm are the most affordable insurance companies for female drivers between the ages of 16 and 19.


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:

The data below shows average rates for teenage drivers on their own policy, as opposed to simply joining their parents' policy (see above for that information). 

 

"Best” car insurance coverage level for teen drivers

We recommend the “best” coverage level if your teen is driving a high-performance car, you have considerable assets* or you have a loaned or leased vehicle.

Company Avg. Monthly Premium Avg. Annual Premium
USAA $420 $5,039
American Family $478 $5,737
Nationwide $506 $6,067
GEICO $510 $6,118
State Farm $544 $6,525
Liberty Mutual $699 $8,389
Allstate $716 $8,588
Amica Mutual $792 $9,499
Farmers $851 $10,209
Progressive $887 $10,645
Updated: 10/04/22.

*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 top-tier coverage. It offers 50/100/50 liability limits and full coverage with a deductible of $1,000.

Company Avg. Monthly Premium Avg. Annual Premium
USAA $354 $4,246
American Family $410 $4,915
GEICO $424 $5,083
Nationwide $442 $5,299
State Farm $481 $5,770
Liberty Mutual $530 $6,366
Allstate $620 $7,444
Amica Mutual $667 $7,999
Farmers $726 $8,714
Progressive $737 $8,840
Updated: 10/04/22.

While higher deductibles can help lower your overall premium, $500 deductibles are more common than $1,000. If you’d prefer a $500 deductible, it would raise the group average of the above premiums by 19%, or $977 every six months.

Minimum coverage

Minimum liability coverage will keep you in good graces with your state’s department of insurance. However, it’s not recommended for more than 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. This means 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 (like theft, weather and animal-related damage) before you drop this coverage.

However, minimum coverage is much cheaper than other coverages. If you’re worried about insurance costs, you can consider purchasing the state-mandated minimum liability for your coverage needs.

Company Avg. Monthly Premium Avg. Annual Premium
USAA $141 $1,690
GEICO $161 $1,931
American Family $182 $2,190
Nationwide $192 $2,309
State Farm $212 $2,543
Liberty Mutual $243 $2,919
Allstate $260 $3,117
Amica Mutual $268 $3,219
Progressive $314 $3,770
Farmers $356 $4,269
Updated: 10/04/22.

In our analysis of the cheapest insurance companies for teenage drivers, we found that USAA was the cheapest for all coverage levels.

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Average car insurance premiums for teen drivers by state

Car insurance is pricier for teens than other age groups in every state.  But, the average cost of insurance for teens can vary from state to state.

State Avg. Monthly Premium Avg. Annual Premium
Alabama $521 $6,251
Alaska $412 $4,942
Arizona $446 $5,353
Arkansas $567 $6,809
California $445 $5,337
Colorado $558 $6,694
Connecticut $582 $6,988
Delaware $676 $8,113
Florida $628 $7,542
Georgia $545 $6,538
Hawaii $154 $1,846
Idaho $348 $4,173
Illinois $430 $5,164
Indiana $389 $4,666
Iowa $339 $4,070
Kansas $497 $5,958
Kentucky $840 $10,085
Louisiana $904 $10,847
Maine $355 $4,266
Maryland $588 $7,052
Massachusetts $516 $6,194
Michigan $771 $9,246
Minnesota $472 $5,667
Mississippi $434 $5,203
Missouri $508 $6,101
Montana $474 $5,687
Nebraska $430 $5,163
Nevada $554 $6,654
New Hampshire $456 $5,476
New Jersey $733 $8,801
New Mexico $441 $5,287
New York $655 $7,859
North Carolina $236 $2,827
North Dakota $515 $6,182
Ohio $331 $3,968
Oklahoma $485 $5,817
Oregon $478 $5,742
Pennsylvania $477 $5,724
Rhode Island $747 $8,960
South Carolina $482 $5,785
South Dakota $381 $4,573
Tennessee $489 $5,872
Texas $569 $6,824
Utah $504 $6,044
Vermont $404 $4,849
Virginia $418 $5,011
Washington $493 $5,911
Washington, D.C. $558 $6,690
West Virginia $518 $6,214
Wisconsin $370 $4,439
Wyoming $423 $5,072
Updated: 10/04/22.

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! See more information on student discounts from top car insurance companies.

Age Male Female
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.

State- and school-run programs offer teen driving safety courses. Make sure you check with your insurance company about the requirements before signing up.


Choose a safe and moderately priced vehicle

Insurance companies not only use you as a rating factor for determining your car insurance rate but also your vehicle. If you’re interested in keeping your premium down it makes financial sense to choose a cheaper vehicle (like a used car) with a good safety rating for less experienced drivers. Save the new trucks or luxury vehicles for more experienced drivers.

According to the Insurance Institute for Highway Safety[1], the safest moderately-priced cars for teens include used versions of the Ford C-Max Hybrid and the Mazda 3. 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 premium from your car insurance company.

Consider additional coverage options

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. Note that not every insurance company offers this protection, and there may also be some age and location restrictions. The Insurance Information Institute[2] also suggests increasing your liability limits if adding a teen driver to your policy, as this can help to protect against lawsuits or damages that may arise if your teen is involved in an accident.

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 or financed cars, or vehicles worth more than $4,000. Compare the cost of paying for repairs out of pocket with the cost of comprehensive and collision insurance to see if dropping these coverages seems worthwhile. 

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.

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RECENT QUESTIONS

Should I file a claim for my son's accident?

When it comes to filing a claim there are a few things to keep in mind. First, is your son listed on your policy as a driver?
Aug 12, 2018 Los Angeles, CA

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.
Mar 1, 2019 Raleigh, NC

Who insures a teenage driver after a divorce?

Generally speaking, the parent with primary custody should insure the child on their policy. The tricky part would be if your son will be driving your vehicle while at your home and his father's vehicle when he stays with him.
Mar 11, 2017 Manhattan, KS

Can my daughter stay on my car insurance policy after I transfer the title of the car to her?

There's a couple of things to think about here. First, it sounds like your daughter will be going to college away from your listed residence.
Jul 15, 2018 OFallon, MO

Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

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.