Teenage car insurance average cost calculator

Company	Average annual premium
UAIC	$8,229
GEICO	$8,716
State Farm	$9,967
National General	$10,883
Nationwide	$11,413
Travelers	$13,045
Allstate	$21,894
Mercury Insurance	$24,664
Farmers	$25,885
Progressive	$42,144

How much does teen car insurance cost? Annual and monthly rates

On average, the cheapest car insurance company for teens is GEICO, among national carriers. At 16, the average rate is $7,831, and at 19, it's $4,504, based on a teen driver alone on a full coverage policy. The cheapest company in your area will vary.

Car insurance costs vary from teen to teen and company to company. The best way to get the lowest rate is to shop around and compare quotes for your individual situation.

Cheapest national car insurance company for teens age 16-19
Age	Company	Annual cost	Monthly premium
16	GEICO	$7,831	$653
17	GEICO	$6,482	$540
18	GEICO	$5,625	$469
19	GEICO	$4,504	$375

How to use the teen car insurance calculator

The teen car insurance calculator is a useful tool designed to give parents and teen drivers an estimate of what car insurance will cost based on a few key factors. Follow the steps below to get an accurate idea of your potential premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods..

Select your state. Choose your state from the dropdown menu.
Why it matters: State laws for minimum coverage, as well as risk factors in that state, affect car insurance rates.
Choose the teen driver’s age. Choose your teen driver's age.
Why it matters: The average cost of car insurance by age varies; the older your teen, the lower the rates will be.
Select gender. Choose the gender of the teen driver.
Why it matters: Statistically, male teen drivers tend to have higher accident rates, which can affect premiums.
Select coverage type. Choose the level of coverage. Our calculator offers these options:
State minimum – the legal minimum in your state
Liability only – 50/100/50 liability coverage
Full coverage – 100/300/100 liability with $500 comprehensive and collision deductibles
Why it matters: The amount of coverage you select impacts how much you pay for insurance.
Review the estimated annual premium. After inputting the above, the calculator instantly shows you the estimated annual insurance cost based on your inputs.

How does this calculator help you?

Highlights ways to save money with discounts or better decisions
Gives a baseline idea of what to expect as your car insurance premiums
Helps you plan ahead financially
Shows the cost difference between coverage levels and policy types

How much does it cost to add a teenage driver to your insurance?

It costs an average of $4,515 nationwide to insure a teen driver on a parent’s full coverage policy, according to Insurance.com data. Costs vary by age, but it's always cheaper to add a teen to a parent's policy than to insure them on a solo policy. That's because the teen can take advantage of all of the discounts that you, as an older driver, have earned, including bundling and good driver discounts.

The cost to ad a teen driver to your insurance varies by company. Check out the average rate increases on a full coverage policy below.

Average cost to add a teenager to a parent's car insurance policy by carrier
Company	Parents' avg rate	Avg. rate with teen female	Avg. rate with teen male
Allstate	$4,275	$8,797	$9,373
Farmers	$4,099	$8,450	$9,016
GEICO	$2,748	$5,931	$6,535
Nationwide	$2,932	$5,864	$6,199
Progressive	$2,566	$6,958	$7,448
State Farm	$3,050	$6,476	$7,634
Travelers	$2,164	$4,733	$5,390
USAA	$1,574	$4,805	$5,062

Adding a teen to your insurance is not only cheaper, you will have to add a teen who is under 18, as minors can't sign legal contracts, including insurance contracts. A minor requires a co-signer to obtain their own insurance policy.

Factors that affect teen car insurance rates

The main factors that affect teen car insurance rates are their age, gender, driving record, vehicle, coverage level and location.

Age. 16-year-old drivers pay the highest rates, averaging $10,928 a year for a male and $9,846 a year for a female. By age 19, those rates go down to $6,041 a year for a male and $5,395 a year for a female.
Gender. Teen males pay more than females; at age 16, a male pays an average of $1,082 a year more than a female. By age 19, the gap narrows to $646 a year.
Driving record. A speeding ticket increases car insurance rates by an average of 39%; any violations or accidents on a teen driver's record will have a big impact on rates.
Vehicle. The make and model of the vehicle your teen is driving has a direct impact on the cost of insurance. Vehicles that are newer and more expensive to repair have higher insurance rates.
Coverage level. At age 16, a state minimum policy costs an average of $2,112, while full coverage costs an average of $9,828 (average of both genders).
Location. The state and ZIP code where your teen lives impacts what they will pay for car insurance. At age 16, a minimum coverage policy in Louisiana averages $5,430 a year, while a state minimum policy in Vermont averages $1,388 a year.

What teen car insurance discounts are available?

The good student discount is the largest discount for a teen driver at an average of 12%, followed by a telematics (usage-based insurance program) discount at 11% and the multi-policy discount at 10%.

The table below shows the average savings on a full coverage policy (100/300/100 with $500 deductibles) by discount for a teen driver based on Insurance.com data [2025].

Teen car insurance savings by discount type
Discount category	Average premium before discount	Average premium after discount	Dollar difference	% difference
Air bags	$7,146	$7,052	$93	1%
Anti-theft device	$7,146	$7,065	$80	1%
Days advance purchase	$7,146	$6,622	$524	7%
Days per week driven	$7,146	$6,797	$349	5%
Driver training	$7,146	$6,632	$513	7%
Education	$7,146	$6,555	$591	8%
Electronic funds transfer	$7,146	$6,863	$283	4%
Electronic signature	$7,146	$6,591	$554	8%
Good student	$7,146	$6,278	$867	12%
Lower annual mileage	$7,146	$6,623	$523	7%
Multi-policy	$7,146	$6,449	$696	10%
Paperless/Electronic documents	$7,146	$6,910	$236	3%
Purchase status	$7,146	$6,595	$550	8%
Safety devices	$7,146	$6,894	$252	4%
Telematics	$7,146	$6,368	$778	11%
Vehicle ownership	$7,146	$6,762	$383	5%

Teen driving safety: NHTSA recommendations for parents

The NHTSA recommends that parents:

Understand the graduated driver licensing (GDL) rules in your state. GDL programs are designed to ease teens into the responsibilities of driving. Parents should take a firm stance on following those rules.
Talk to your teen about drinking, drug use and driving. Ensure they understand the dangers (and the legal ramifications) and have safe options for getting home.
Model good driving habits. Drive safely, obey the laws and let your teen see that it's not just words, but how you drive, too.
Spend extra time on driver training. Beyond the required driver's ed, take the time to teach your teen more about safe driving and spend time with them on the road.

How to save on teen car insurance

Although insuring a teen is likely to be expensive, there are things you can do to trim the cost. While the good student discount is one of the best at 12%, stacking it with other savings options, like those below, can significantly reduce premiums.

Choose the right vehicle. A vehicle with a high safety rating and lower purchase price will be cheaper to insure than an expensive vehicle with a powerful engine. In 2026, the Honda CR-V and HR-V are the cheapest cars to insure overall, averaging $161 a month for full coverage based on an adult driver; adding a teen will raise that rate. A used vehicle will also have cheaper rates than a new one, thanks to a lower value.
Sign up for a telematics program. A usage-based program that tracks your teen's driving habits can earn you an average discount of 11% while also helping your teen become a better driver.
Driver training. Some insurers also offer a price break to teens who take an approved driver training course.
Student away from home. When your teen goes to college, you might earn a discount if the school is located far from your home – typically at least 100 miles — and they don’t bring their car with them to campus.
A higher deductible. Another way to cut car insurance costs is to raise your deductible. This should lower your premium costs. However, remember that if you file a claim, you will have to pay the deductible in full before your insurance coverage will kick in to pick up the rest of the bill.

“Some insurance companies offer discounts for teens who complete a safe driving course, and some also offer good student discounts,” She-Tom says.

“Enrolling in an auto telematics program can also help you to stay in control of your car insurance costs. Auto telematics programs use smartphone app technology to provide feedback on driving habits. Not only will it help build awareness of driving habits, it may help teens become safer drivers,” she says.

FAQ: Teen car insurance

How much is teenage car insurance per month?

The average cost of a full coverage car insurance policy for a teen driver at age 16 is $819 a month. For state minimum coverage, a 16-year-old will pay an average of $176 a month. These rates are for a teen on their own policy. A 16-year old on a parent’s policy will pay an average of $359 a month for full coverage.

How much is car insurance for an 18-year-old?

The average cost of full coverage car insurance for an 18-year-old driver is $7,498 a year, or approximately $625 a month. GEICO is the cheapest major insurer for an 18-year-old at $5,625 a year, about $469 a month.

What is the cheapest way to get car insurance for a teenager?

In most cases, it is cheapest to add a teen to a parent’s policy. Insure your teen on the cheapest car you own; it may be worthwhile to get an older car that your teen can be insured on that doesn’t require full coverage. Liability-only coverage is much cheaper.

When does a teen need their own insurance policy?

A teen needs their own insurance policy when they are no longer a resident of your home. This doesn't include teens away at school if their primary residence is still your home. As long as your child lives at home with you, even into their adult years, they can remain on your insurance policy.