Cheapest car insurance for teens by company
GEICO, averaging $740 a month for a 16-year-old male and $666 for a female, and Travelers, averaging $829 a month for a 16-year-old male and $696 for a female, are the two cheapest national carriers for teens. They remain the cheapest across all ages that are open to all drivers, based on Insurance.com's nationwide rates for full coverage with 100/300/100 liability coverage and $500 deductibles. USAA is often cheaper, but it is only available to military families.
Cheapest car insurance for male teenage drivers
Below are the cheapest car insurance rates for teen male drivers by company. GEICO and Travelers are the cheapest options, unless you are eligible for USAA.
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| GEICO | $740 | $4,442 | $8,883 |
| Travelers | $829 | $4,973 | $9,945 |
| State Farm | $862 | $5,173 | $10,347 |
| Nationwide | $869 | $5,215 | $10,429 |
| Allstate | $1,093 | $6,559 | $13,119 |
| Progressive | $1,108 | $6,647 | $13,293 |
| Farmers | $1,562 | $9,372 | $18,743 |
| USAA | $692 | $4,153 | $8,307 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| GEICO | $611 | $3,666 | $7,331 |
| Travelers | $653 | $3,915 | $7,830 |
| State Farm | $758 | $4,549 | $9,097 |
| Nationwide | $822 | $4,931 | $9,862 |
| Allstate | $912 | $5,474 | $10,948 |
| Progressive | $973 | $5,837 | $11,674 |
| Farmers | $1,179 | $7,073 | $14,147 |
| USAA | $479 | $2,874 | $5,748 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| Travelers | $497 | $2,982 | $5,965 |
| GEICO | $522 | $3,130 | $6,259 |
| State Farm | $680 | $4,082 | $8,164 |
| Nationwide | $760 | $4,559 | $9,119 |
| Allstate | $768 | $4,608 | $9,217 |
| Progressive | $844 | $5,061 | $10,122 |
| Farmers | $1,048 | $6,288 | $12,576 |
| USAA | $392 | $2,353 | $4,706 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| Travelers | $394 | $2,367 | $4,733 |
| GEICO | $407 | $2,443 | $4,886 |
| Progressive | $502 | $3,015 | $6,029 |
| State Farm | $567 | $3,403 | $6,806 |
| Allstate | $590 | $3,540 | $7,080 |
| Farmers | $615 | $3,689 | $7,377 |
| Nationwide | $645 | $3,872 | $7,743 |
| USAA | $331 | $1,987 | $3,974 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| Travelers | $346 | $2,077 | $4,154 |
| GEICO | $358 | $2,150 | $4,300 |
| Progressive | $453 | $2,716 | $5,433 |
| State Farm | $509 | $3,052 | $6,104 |
| Allstate | $539 | $3,235 | $6,470 |
| Nationwide | $548 | $3,286 | $6,572 |
| Farmers | $573 | $3,440 | $6,881 |
| USAA | $300 | $1,802 | $3,604 |
Cheapest car insurance for female teenage drivers
Below are the cheapest car insurance rates for teen females by company. GEICO, Travelers and USAA are the cheapest options.
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| GEICO | $666 | $3,997 | $7,994 |
| Travelers | $696 | $4,174 | $8,348 |
| State Farm | $731 | $4,386 | $8,773 |
| Nationwide | $752 | $4,512 | $9,023 |
| Progressive | $1,025 | $6,151 | $12,302 |
| Allstate | $1,050 | $6,302 | $12,604 |
| Farmers | $1,442 | $8,652 | $17,304 |
| USAA | $654 | $3,927 | $7,853 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| GEICO | $546 | $3,274 | $6,548 |
| Travelers | $555 | $3,330 | $6,659 |
| State Farm | $646 | $3,875 | $7,750 |
| Nationwide | $711 | $4,269 | $8,538 |
| Allstate | $842 | $5,051 | $10,102 |
| Progressive | $897 | $5,383 | $10,765 |
| Farmers | $1,086 | $6,517 | $13,034 |
| USAA | $452 | $2,714 | $5,429 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| Travelers | $431 | $2,584 | $5,168 |
| GEICO | $474 | $2,844 | $5,688 |
| State Farm | $576 | $3,456 | $6,912 |
| Nationwide | $662 | $3,972 | $7,943 |
| Allstate | $688 | $4,128 | $8,257 |
| Progressive | $761 | $4,563 | $9,126 |
| Farmers | $967 | $5,803 | $11,607 |
| USAA | $371 | $2,228 | $4,456 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| Travelers | $350 | $2,099 | $4,199 |
| GEICO | $373 | $2,236 | $4,473 |
| Progressive | $450 | $2,699 | $5,399 |
| State Farm | $482 | $2,891 | $5,781 |
| Allstate | $538 | $3,225 | $6,450 |
| Nationwide | $562 | $3,375 | $6,749 |
| Farmers | $576 | $3,454 | $6,908 |
| USAA | $313 | $1,876 | $3,752 |
| Company | Monthly Premium | 6-Month Premium | Annual Premium |
|---|---|---|---|
| Travelers | $307 | $1,841 | $3,683 |
| GEICO | $338 | $2,028 | $4,057 |
| Progressive | $407 | $2,442 | $4,883 |
| State Farm | $434 | $2,605 | $5,210 |
| Allstate | $479 | $2,875 | $5,749 |
| Nationwide | $490 | $2,939 | $5,877 |
| Farmers | $537 | $3,222 | $6,445 |
| USAA | $285 | $1,707 | $3,415 |
Cheapest car insurance for teen drivers by state
Teen car insurance rates vary by state. While you might not move just to get cheaper car insurance, knowing how rates look elsewhere is good.
Cheapest car insurance for 16-year-olds by state
The youngest group of drivers will pay more at 16 than any other age. The average cost of car insurance for a 16-year-old driver is $7,149 annually for full coverage auto insurance.
| State | Female | Male |
|---|---|---|
| Alaska | $7,344 | $8,696 |
| Alabama | $7,626 | $8,846 |
| Arkansas | $11,382 | $12,613 |
| Arizona | $10,708 | $12,423 |
| California | $9,707 | $9,707 |
| Colorado | $12,726 | $14,306 |
| Connecticut | $14,143 | $15,257 |
| Washington, D.C. | $16,267 | $19,385 |
| Delaware | $13,110 | $16,155 |
| Florida | $15,762 | $16,828 |
| Georgia | $14,157 | $16,477 |
| Hawaii | $1,958 | $1,958 |
| Iowa | $10,466 | $11,373 |
| Idaho | $6,835 | $8,078 |
| Illinois | $7,414 | $8,389 |
| Indiana | $6,587 | $7,684 |
| Kansas | $8,925 | $10,584 |
| Kentucky | $8,591 | $10,578 |
| Louisiana | $16,418 | $18,766 |
| Massachusetts | $9,268 | $9,268 |
| Maryland | $7,102 | $8,599 |
| Maine | $7,333 | $8,439 |
| Michigan | $13,828 | $13,828 |
| Minnesota | $8,259 | $9,153 |
| Missouri | $8,015 | $9,342 |
| Mississippi | $10,536 | $10,944 |
| Montana | $9,232 | $9,737 |
| North Carolina | $7,951 | $7,951 |
| North Dakota | $8,018 | $10,693 |
| Nebraska | $7,831 | $9,242 |
| New Hampshire | $7,723 | $8,893 |
| New Jersey | $13,553 | $15,222 |
| New Mexico | $11,109 | $12,006 |
| Nevada | $15,134 | $17,078 |
| New York | $8,764 | $9,951 |
| Ohio | $6,577 | $7,479 |
| Oklahoma | $10,874 | $12,843 |
| Oregon | $6,894 | $7,753 |
| Pennsylvania | $8,067 | $8,067 |
| Rhode Island | $11,281 | $12,905 |
| South Carolina | $9,718 | $11,209 |
| South Dakota | $10,253 | $11,849 |
| Tennessee | $9,859 | $11,390 |
| Texas | $12,210 | $13,053 |
| Utah | $11,769 | $13,289 |
| Virginia | $7,040 | $9,760 |
| Vermont | $4,772 | $5,534 |
| Washington | $12,191 | $12,893 |
| Wisconsin | $11,628 | $12,963 |
| West Virginia | $11,531 | $12,162 |
| Wyoming | $5,141 | $6,666 |
Cheapest car insurance for 17-year-olds by state
Although 17-year-olds have a whole year of driving under their belt, premiums aren’t considerably lower yet.
| State | Female | Male |
|---|---|---|
| Alaska | $6,281 | $7,424 |
| Alabama | $7,534 | $8,681 |
| Arkansas | $9,943 | $11,231 |
| Arizona | $8,790 | $10,172 |
| California | $9,048 | $9,048 |
| Colorado | $10,241 | $11,855 |
| Connecticut | $10,902 | $12,283 |
| Washington, D.C. | $13,417 | $16,247 |
| Delaware | $10,663 | $12,755 |
| Florida | $12,826 | $14,222 |
| Georgia | $11,064 | $12,676 |
| Hawaii | $1,885 | $1,885 |
| Iowa | $7,308 | $8,070 |
| Idaho | $5,832 | $6,932 |
| Illinois | $5,379 | $6,444 |
| Indiana | $5,542 | $6,611 |
| Kansas | $8,141 | $9,623 |
| Kentucky | $7,892 | $9,739 |
| Louisiana | $13,653 | $15,747 |
| Massachusetts | $7,360 | $7,360 |
| Maryland | $6,163 | $7,330 |
| Maine | $6,376 | $7,419 |
| Michigan | $12,752 | $12,752 |
| Minnesota | $7,360 | $7,945 |
| Missouri | $6,849 | $8,383 |
| Mississippi | $9,339 | $9,787 |
| Montana | $7,735 | $8,171 |
| North Carolina | $6,593 | $6,593 |
| North Dakota | $6,559 | $8,389 |
| Nebraska | $7,290 | $8,521 |
| New Hampshire | $6,206 | $7,149 |
| New Jersey | $10,254 | $11,609 |
| New Mexico | $8,598 | $9,380 |
| Nevada | $12,990 | $14,626 |
| New York | $7,339 | $8,580 |
| Ohio | $5,195 | $6,069 |
| Oklahoma | $8,953 | $11,834 |
| Oregon | $6,022 | $6,696 |
| Pennsylvania | $6,213 | $6,213 |
| Rhode Island | $11,342 | $13,255 |
| South Carolina | $8,721 | $9,938 |
| South Dakota | $7,748 | $9,047 |
| Tennessee | $8,007 | $9,718 |
| Texas | $9,627 | $10,330 |
| Utah | $9,110 | $10,346 |
| Virginia | $6,170 | $7,152 |
| Vermont | $4,449 | $5,133 |
| Washington | $9,768 | $10,605 |
| Wisconsin | $8,473 | $9,430 |
| West Virginia | $7,964 | $8,577 |
| Wyoming | $5,478 | $7,175 |
Cheapest car insurance for 18-year-olds by state
Now considered legal adults in most states, an 18-year-old driver may have two years of driving experience. However, an annual policy still costs over $4,000 in many states.
| State | Female | Male |
|---|---|---|
| Alaska | $5,470 | $6,441 |
| Alabama | $6,670 | $7,578 |
| Arkansas | $8,639 | $10,119 |
| Arizona | $7,477 | $8,596 |
| California | $8,698 | $8,698 |
| Colorado | $8,701 | $10,053 |
| Connecticut | $9,587 | $10,876 |
| Washington, D.C. | $8,043 | $10,703 |
| Delaware | $9,576 | $11,420 |
| Florida | $10,094 | $11,571 |
| Georgia | $8,751 | $10,291 |
| Hawaii | $1,885 | $1,885 |
| Iowa | $6,208 | $7,212 |
| Idaho | $5,159 | $6,200 |
| Illinois | $4,802 | $5,575 |
| Indiana | $4,666 | $5,679 |
| Kansas | $6,987 | $8,309 |
| Kentucky | $6,977 | $8,339 |
| Louisiana | $12,178 | $14,076 |
| Massachusetts | $6,955 | $6,955 |
| Maryland | $5,142 | $6,050 |
| Maine | $5,622 | $6,627 |
| Michigan | $11,169 | $11,169 |
| Minnesota | $6,681 | $7,142 |
| Missouri | $5,829 | $7,193 |
| Mississippi | $7,211 | $8,470 |
| Montana | $6,794 | $7,223 |
| North Carolina | $6,151 | $6,151 |
| North Dakota | $6,390 | $7,437 |
| Nebraska | $6,199 | $7,183 |
| New Hampshire | $4,708 | $6,108 |
| New Jersey | $8,404 | $9,693 |
| New Mexico | $7,574 | $8,406 |
| Nevada | $11,060 | $13,372 |
| New York | $6,413 | $7,457 |
| Ohio | $4,305 | $4,965 |
| Oklahoma | $8,345 | $10,766 |
| Oregon | $5,272 | $6,383 |
| Pennsylvania | $5,066 | $5,066 |
| Rhode Island | $10,181 | $12,077 |
| South Carolina | $7,762 | $8,889 |
| South Dakota | $6,902 | $8,220 |
| Tennessee | $6,896 | $8,376 |
| Texas | $8,477 | $9,131 |
| Utah | $7,756 | $8,925 |
| Virginia | $5,179 | $5,914 |
| Vermont | $4,064 | $4,645 |
| Washington | $8,341 | $9,147 |
| Wisconsin | $7,157 | $7,702 |
| West Virginia | $6,704 | $7,438 |
| Wyoming | $4,811 | $6,479 |
Cheapest car insurance for 19-year-olds by state
Drivers at 19 years old will pay rates a lot lower than just three years ago, although rates are still high in some states.
| State | Female | Male |
|---|---|---|
| Alaska | $4,641 | $5,528 |
| Alabama | $4,632 | $5,319 |
| Arkansas | $6,128 | $7,168 |
| Arizona | $4,978 | $5,660 |
| California | $6,575 | $6,575 |
| Colorado | $6,648 | $7,519 |
| Connecticut | $7,630 | $8,767 |
| Washington, D.C. | $7,175 | $9,093 |
| Delaware | $7,264 | $8,579 |
| Florida | $7,819 | $8,599 |
| Georgia | $6,144 | $7,745 |
| Hawaii | $1,803 | $1,803 |
| Iowa | $4,985 | $5,585 |
| Idaho | $4,097 | $4,989 |
| Illinois | $4,046 | $4,742 |
| Indiana | $3,944 | $4,423 |
| Kansas | $5,388 | $6,487 |
| Kentucky | $5,604 | $6,733 |
| Louisiana | $8,322 | $9,994 |
| Massachusetts | $5,333 | $5,333 |
| Maryland | $4,497 | $5,224 |
| Maine | $4,328 | $5,302 |
| Michigan | $8,148 | $8,148 |
| Minnesota | $5,465 | $5,970 |
| Missouri | $4,981 | $6,120 |
| Mississippi | $5,376 | $6,086 |
| Montana | $5,438 | $5,857 |
| North Carolina | $3,849 | $3,849 |
| North Dakota | $4,950 | $5,795 |
| Nebraska | $4,362 | $5,408 |
| New Hampshire | $4,207 | $4,938 |
| New Jersey | $6,550 | $7,639 |
| New Mexico | $5,245 | $5,855 |
| Nevada | $8,413 | $9,613 |
| New York | $5,502 | $5,971 |
| Ohio | $3,662 | $4,250 |
| Oklahoma | $6,095 | $7,304 |
| Oregon | $4,444 | $4,923 |
| Pennsylvania | $4,344 | $4,344 |
| Rhode Island | $7,500 | $9,056 |
| South Carolina | $5,379 | $6,464 |
| South Dakota | $5,262 | $6,146 |
| Tennessee | $4,914 | $6,010 |
| Texas | $6,274 | $6,560 |
| Utah | $5,039 | $5,681 |
| Virginia | $3,947 | $4,482 |
| Vermont | $3,552 | $4,164 |
| Washington | $6,248 | $6,903 |
| Wisconsin | $5,143 | $5,783 |
| West Virginia | $4,961 | $5,564 |
| Wyoming | $3,779 | $5,059 |
Cheapest car insurance for 20-year-olds by state
Car insurance rates for 20-year-olds can vary widely depending on where you live. To help you find the best deal, we have listed all the states with their premiums.
| State | Female | Male |
|---|---|---|
| Alaska | $4,220 | $5,054 |
| Alabama | $4,185 | $4,674 |
| Arkansas | $5,524 | $6,397 |
| Arizona | $4,573 | $5,171 |
| California | $6,108 | $6,108 |
| Colorado | $5,932 | $6,651 |
| Connecticut | $6,932 | $7,906 |
| Washington, D.C. | $6,329 | $8,059 |
| Delaware | $6,670 | $7,879 |
| Florida | $7,005 | $7,849 |
| Georgia | $5,405 | $6,602 |
| Hawaii | $1,803 | $1,803 |
| Iowa | $4,601 | $5,128 |
| Idaho | $3,626 | $4,315 |
| Illinois | $3,636 | $4,213 |
| Indiana | $3,653 | $4,050 |
| Kansas | $4,818 | $5,763 |
| Kentucky | $5,139 | $6,041 |
| Louisiana | $7,678 | $9,132 |
| Massachusetts | $5,048 | $5,048 |
| Maryland | $4,106 | $4,694 |
| Maine | $3,903 | $4,737 |
| Michigan | $7,572 | $7,572 |
| Minnesota | $4,917 | $5,308 |
| Missouri | $4,352 | $5,287 |
| Mississippi | $4,749 | $5,383 |
| Montana | $4,823 | $5,174 |
| North Carolina | $3,722 | $3,722 |
| North Dakota | $4,543 | $5,198 |
| Nebraska | $3,971 | $4,408 |
| New Hampshire | $3,895 | $4,566 |
| New Jersey | $5,856 | $6,744 |
| New Mexico | $4,716 | $5,294 |
| Nevada | $7,502 | $8,628 |
| New York | $4,760 | $5,432 |
| Ohio | $3,278 | $3,887 |
| Oklahoma | $5,549 | $6,638 |
| Oregon | $3,925 | $4,275 |
| Pennsylvania | $4,006 | $4,006 |
| Rhode Island | $7,017 | $8,260 |
| South Carolina | $4,839 | $5,722 |
| South Dakota | $4,685 | $5,379 |
| Tennessee | $4,354 | $5,346 |
| Texas | $5,832 | $6,087 |
| Utah | $4,607 | $5,157 |
| Virginia | $3,557 | $4,014 |
| Vermont | $3,164 | $3,690 |
| Washington | $5,335 | $6,045 |
| Wisconsin | $4,770 | $5,359 |
| West Virginia | $4,560 | $5,196 |
| Wyoming | $3,478 | $4,461 |
Cheapest car insurance for young drivers: Add them on a parent's policy
The cheapest way to insure a teen driver is to add them to a parent or guardian's policy. It's also the most common way to insure a teen driver, as minors generally can't get car insurance on their own.
Here's a look at the average cost of car insurance for a teen driver on their own policy vs. on a parent's policy by age.
| Age | Average annual premium, solo policy | Average premium on parent's policy, teen male | Average premium on parent's policy, teen female |
|---|---|---|---|
| 16 | $10,387 | $7,553 | $6,965 |
| 17 | $8,614 | $7,287 | $6,733 |
| 18 | $7,498 | $7,143 | $6,588 |
| 19 | $5,718 | $6,912 | $6,378 |
| 20 | $5,173 | $6,601 | $6,121 |
How to get the cheapest car insurance for teens
There are numerous ways for teens to save on car insurance: compare quotes from multiple carriers, choose a car that's affordable to insure, adjust coverage as needed and try a usage-based program.
- Shop around. As our data shows, teen car insurance rates differ by company, sometimes by thousands of dollars a year.
- Buy a car with care. Shop for a car that's cheaper to insure; cars with safety features, less power and a lower value generally have lower rates.
- Adjust your coverage. If your teen drives an older car, you may be able to drop full coverage insurance. Raising deductibles can also reduce rates.
- Usage-based insurance. Signing up for a usage-based insurance program that monitors your teen's driving habits to earn a discount will not only lower your rates, but help catch dangerous driving.
Car insurance discounts for teen drivers
- Good student discount. Just about every auto insurance company offers a good student discount. The discount is for teens going to high school (or college) and usually requires a "B" (3.0) average or better. The discount varies by company.
- Student away from home discount. Most insurance companies will also offer a discount for students who are living away from home without a car.
- Defensive driver discount. Another option is a defensive driver discount. Teens can take this extra driver education or defensive driving course, which goes above and beyond the minimum state-mandated driver's education and training. In some states, discounts can run from 10% to 15% for taking these state-approved improvement classes. However, it's not available in all states.
- General discounts. You can also ask about other discounts ranging from paperless billing to auto and home bundling. Every bit of savings helps when it comes to teen car insurance rates.
Why is teen car insurance so expensive?
Teens are the highest-risk age group of drivers on the road due to inexperience and risky habits. High risk means high insurance rates.
"Immaturity and lack of driving experience are the two main factors leading to the high crash rate among young people ages 15-19. Teens' lack of experience affects their recognition of and response to hazardous situations, resulting in dangerous practices such as speeding and tailgating," says Loretta Worters, vice president of media relations of the Insurance Information Institute.
To cover the high likelihood of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., insurance companies charge teen drivers a lot more.
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