Cheap Car Insurance for Teens

See rates from USAA, GEICO, Allstate and other top insurance companies for male and female teen drivers, along with the best ways to save on teen driver car insurance.

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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 average 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.

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.

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

CHEAPEST INSURANCE COMPANIES FOR TEEN DRIVERS
RankCompany6-Month PremiumMonthly Premium
CheapestGEICO$1,553$259
2ndLiberty Mutual$1,568$261
3rdUSAA$1,666$278
4thState Farm$1,688$281
5thNationwide$1,721$287
6thTravelers$1,835$306
7thFarmers$2,465$411
8thProgressive$2,547$425
9thAllstate$2,945$491
10thAmica$3,833$639

 

The data above comes from 2020 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.

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

  1. Teen car insurance costs by gender
  2. Average cost by coverage level for teen drivers
  3. Average premium for teen drivers by state
  4. How to get cheap car insurance for teens

 


 

Auto insurance for teens by gender

On average, it costs an extra $300 a year to add a young male driver versus a female teen driver to their parents' policy.

GenderAverage 6-Month PremiumMonthly Rate
Female$1,257$210
Male$1,407$235

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

 

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 Nationwide.

CHEAPEST INSURANCE COMPANIES FOR MALE TEEN DRIVERS
Company6-Month PremiumMonthly Premium
USAA$863$144
Nationwide$1,127$188
Liberty Mutual$1,304$217
State Farm$1,305$218
GEICO$1,352$225
Amica$1,499$250
Progressive$1,503$251
Farmers$1,544$257
Allstate$1,743$291

 


 

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
Company6-Month PremiumMonthly Premium
USAA$782$130
Nationwide$998$166
State Farm$1,137$190
GEICO$1,183$197
Liberty Mutual$1,235$206
Progressive$1,352$225
Farmers$1,366$228
Amica$1,441$240
Allstate$1,540$257


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

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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:

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

6-Month Auto Insurance Rates

Monthly Rate

Allstate$3,619$603
Amica$2,961$494
Farmers$3,969$662
GEICO$2,394$399
Liberty Mutual$3,760$627
Nationwide$2,502$417
Progressive$3,812$635
State Farm$2,558$426
USAA$1,814$302

*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.

Company

6-Month Auto Insurance Rates

Monthly Rate

Allstate$3,123$520
Amica$2,405$401
Farmers$3,472$579
GEICO$1,999$333
Liberty Mutual$2,855$476
Nationwide$2,178$363
Progressive$3,167$528
State Farm$2,263$377
USAA$1,529$255


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, having minimum coverage is much 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

6-Month Auto Insurance Rates

Monthly Rate

Allstate$1,396$233
Amica$1,028$171
Farmers$1,719$287
GEICO$743$124
Liberty Mutual$1,317$219
Nationwide$914$152
Progressive$1,353$225
State Farm$1,004$167
USAA$573$95

 

In our analysis of the cheapest insurance companies for teenage drivers, we found that USAA was the cheapest for all coverage levels. If you don't qualify for USAA coverage, GEICO came in second-cheapest.

 

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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.

AUTO INSURANCE PREMIUMS FOR TEEN DRIVERS (AGE 16-19) BY STATE
StateAverage 6-Month PremiumMonthly Premium
Alaska$2,120$353
Alabama$2,334$389
Arkansas$2,711$452
Arizona$2,636$439
California$2,363$394
Colorado$2,792$465
Connecticut$2,984$497
Washington DC$2,611$435
Delaware$2,817$470
Florida$2,907$484
Georgia$2,750$458
Hawaii$566$94
Iowa$1,440$240
Idaho$2,378$396
Illinois$1,928$321
Indiana$1,637$273
Kansas$2,241$373
Kentucky$2,851$475
Louisiana$3,828$638
Massachusetts$2,214$369
Maryland$2,249$375
Maine$1,805$301
Michigan$3,498$583
Minnesota$2,139$356
Missouri$2,834$472
Mississippi$2,381$397
Montana$2,660$443
North Carolina$1,125$188
North Dakota$1,947$325
Nebraska$2,164$361
New Hampshire$1,690$282
New Jersey$2,564$427
New Mexico$2,073$346
Nevada$3,057$510
New York$2,246$374
Ohio$1,538$256
Oklahoma$2,470$412
Oregon$2,346$391
Pennsylvania$2,081$347
Rhode Island$4,276$713
South Carolina$2,203$367
South Dakota$1,928$321
Tennessee$2,059$343
Texas$1,854$309
Utah$2,401$400
Virginia$1,605$268
Vermont$1,541$257
Washington$2,264$377
Wisconsin$2,061$344
West Virginia$2,517$419
Wyoming$2,034$339

 

 

 

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.

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 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) 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 premium from your car insurance company.

 

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. Note that not everyinsurancecompanyoffers this protection, and there may also be some age and location restrictions.

 

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.

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 out there! Only by comparing and getting rates from an array of 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 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.

Is my teenager covered to drive my vehicle if he is not listed on my policy?

If your son is driving your vehicle on a regular basis then he absolutely needs to be covered as a driver. Avoiding a premium increase by not listing people who drive your vehicle regularly is fraudulent and could result in some extremely negative outcomes especially if that person is involved in an accident behind the wheel of your car; namely, a denied claim and a huge repair bill.

What steps do I need to take to gift a car to my son in Texas?

Here is a simple breakdown of the process in Texas to transfer ownership of the vehicle to your son as a gift: You and your son will both need to fill out and sign the "Assignment of Title" section on the vehicle's title You and your son will both need to fill out and sign the 130-U form (which is the title and registration application) available to print on the state's website You and your son will both need to fill out and sign the "Gift Transfer" 14-317 form available to print on the state's website Your son will need to insure the vehicle on his own policy unless he is a member of your household. If he still lives with you then he and the vehicle can be added to your policy, or he can insure the vehicle on his own You and/or your son will need to submit those documents in person to your county tax office and pay the $10 gift tax After this process is complete then your son will be the titled owner of the vehicle.

Can I limit to children to only drive the cheapest vehicle?

California operates under a "rated driver" pricing system in auto insurance. Basically, all drives must be "rate" to a particular vehicle.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.