Most drivers who are 18 have had two years of driving under their belts, and that experience begins to pay off in lower car insurance rates. The average auto insurance rate for a 18-year-old on their own policy is $5,565 a year for full coverage – $464 per month.

That rate is $3,883 higher than the national average of $1,682 for 40-year-old drivers. However, the rate for 18-year-olds is significantly lower than the cost for 16-year-olds ($7,625 per year and $635 a month) and 17-year-old drivers ($6,272 per year and $523 per month).

As drivers gain more experience and improve their behind-the-wheel performance, car insurance rates are likely to drop, says Carole Walker, executive director of the Rocky Mountain Insurance Information Association.

“While teen drivers will pay more for car insurance even with a clean driving record, steering clear of at-fault crashes and citations will help them keep their insurance premiums lower," she says.

In fact, the risk of car crashes is highest among teens aged 16-19 than in any other age group, according to the Centers for Disease Control & Prevention. And per mile driven, teen drivers 16-19 are almost three times as likely to be in a fatal crash than drivers 20 or older.

Read more to learn how much car insurance is for 18 year olds.

Key Highlights
  • For a full coverage policy, an 18-year-old teen driver pays $5,565 per year or $464 a month for car insurance, on average.
  • Female drivers who are 18 pay $4,918 on average, or $647 less than males their age. By contrast, 18-year-old male drivers pay about $5,565 per year, on average, for their own car insurance policies.
  • Island, North Carolina Farm Bureau, New Jersey Manufacturers, USAA and Erie were among those with the cheapest car insurance for 18-year-olds among carriers surveyed by CarInsurance.com.

Car insurance for teens: How much is insurance for 18 year olds?

Tip iconAverage Car Insurance Rates for Teens: 18 Year Old

Car insurance for an 18 year old with their own policy is as follows per year:

  • State minimum coverage: $1,786
  • Liability limits of 50/100/50: $2,149
  • Liability limits of 100/300/100, with comprehensive and collision coverage and a $500 deductible: $5,565

How much you pay to insure your teen driver will vary depending on factors like

  • Your insurance company
  • Whether the teen has his or her own policy, or is added to yours
  • State of residence
  • Type of car driven
  • Coverage limits

To give you an idea of what to expect to pay for coverage, check out the average annual rates by state in the charts below.

How much is car insurance for an 18 year old female in each state?

The nationwide average cost for insurance for an 18-year-old female on her own policy is $4,918.Teen female drivers age 18 pay $647 less than males their age. Below you’ll see average insurance costs by state for an 18-year-old female compared to the price of a parent policy and an 18 year old.

Car insurance cost per state for a 18 year old female
StateTeen PolicyParent PolicyParent's Policy with Teen Added
Alaska$3,567$1,236$2,254
Alabama$4,897$1,522$2,702
Arkansas$5,007$1,587$3,007
Arizona$5,293$1,649$3,333
California$5,438$2,043$4,337
Colorado$5,603$2,166$3,723
Connecticut$5,898$1,436$2,508
Washington D.C.$5,003$1,877$3,060
Delaware$6,749$1,707$2,834
Florida$8,403$3,015$5,562
Georgia$5,003$1,638$3,019
Hawaii$1,414$1,282$1,338
Iowa$3,208$1,156$1,918
Idaho$3,724$1,012$1,924
Illinois$4,801$1,474$2,952
Indiana$3,445$1,283$2,244
Kansas$4,366$1,477$2,539
Kentucky$6,147$1,944$3,823
Louisiana$7,993$2,969$5,943
Massachusetts$5,854$1,741$3,343
Maryland$4,713$2,076$3,904
Maine$3,319$988$2,145
Michigan$6,481$3,945$6,890
Minnesota$3,452$1,667$2,904
Missouri$5,563$2,374$4,140
Mississippi$4,907$1,448$2,731
Montana$5,185$1,670$2,956
North Carolina$2,854$1,417$2,514
North Dakota$4,162$1,258$2,155
Nebraska$4,935$1,845$3,051
New Hampshire$4,127$982$1,946
New Jersey$6,285$2,199$4,057
New Mexico$4,155$1,649$3,068
Nevada$6,305$2,327$4,161
New York$5,038$1,832$3,408
Ohio$3,248$1,082$1,980
Oklahoma$5,426$1,954$3,480
Oregon$3,984$1,440$2,588
Pennsylvania$5,169$1,418$2,901
Rhode Island$6,351$1,786$3,734
South Carolina$5,063$1,671$3,243
South Dakota$4,062$1,523$2,280
Tennessee$4,612$1,250$2,409
Texas$5,732$1,880$3,732
Utah$4,940$1,824$3,466
Virginia$3,826$1,210$2,633
Vermont$3,120$1,074$2,084
Washington$4,239$1,462$3,028
Wisconsin$4,550$1,712$3,557
West Virginia$4,758$1,417$3,003
Wyoming$4,163$1,730$2,953

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Car insurance cost in every state for an 18-year-old male

Males age 18 pay, on average, $5,565 annually for their own full-coverage insurance policy, which is $647 more than their female counterparts. Compare rates for a male 18-year-old with his own policy to that of being added to a parent’s policy.

Car insurance cost per state for a 18 year old male
StateTeen PolicyParent PolicyParent's Policy with Teen Added
Alaska$4,192$1,236$2,474
Alabama$5,594$1,522$2,939
Arkansas$5,890$1,587$3,335
Arizona$6,132$1,649$3,727
California$5,438$2,043$4,337
Colorado$6,383$2,166$3,984
Connecticut$6,860$1,436$2,746
Washington, D.C.$6,601$1,877$3,548
Delaware$8,572$1,707$3,108
Florida$9,433$3,015$5,979
Georgia$6,162$1,638$3,350
Hawaii$1,414$1,282$1,338
Iowa$3,612$1,156$2,055
Idaho$4,355$1,012$2,118
Illinois$5,748$1,474$3,393
Indiana$3,856$1,283$2,390
Kansas$5,044$1,477$2,748
Kentucky$7,094$1,944$4,130
Louisiana$9,149$2,969$6,794
Massachusetts$5,854$1,741$3,343
Maryland$5,848$2,076$4,526
Maine$3,913$988$2,455
Michigan$6,481$3,945$6,890
Minnesota$4,071$1,667$3,027
Missouri$6,497$2,374$4,725
Mississippi$5,725$1,448$2,989
Montana$5,185$1,670$2,956
North Carolina$2,854$1,417$2,514
North Dakota$4,929$1,258$2,383
Nebraska$5,770$1,845$3,301
New Hampshire$4,814$982$2,125
New Jersey$7,183$2,199$4,535
New Mexico$4,686$1,649$3,348
Nevada$7,119$2,327$4,547
New York$6,156$1,832$3,915
Ohio$3,670$1,082$2,152
Oklahoma$6,475$1,954$4,133
Oregon$4,323$1,440$2,756
Pennsylvania$5,169$1,418$2,901
Rhode Island$7,594$1,786$4,166
South Carolina$5,629$1,671$3,368
South Dakota$4,895$1,523$2,531
Tennessee$5,366$1,250$2,670
Texas$6,703$1,880$4,164
Utah$5,711$1,824$3,788
Virginia$4,530$1,210$2,978
Vermont$3,692$1,074$2,305
Washington$4,755$1,462$3,186
Wisconsin$5,283$1,712$4,002
West Virginia$5,630$1,417$3,446
Wyoming$5,498$1,730$3,489

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Car insurance for 18 year olds is pricey on their own

Car insurance for young drivers is much cheaper when parents add the teen to their existing policy. As young drivers gain more experience, their rates should drop. You’ll see in the chart below how much it costs to add a teen driver to a parent policy and how much you save.

Costs to add a teen driver to a parent policy
GenderTeen PolicyParent's Policy with Teen AddedSaving
Female$ 4,918$ 3,584$ 1,334
Male$ 5,565$ 3,865$ 1,700

Check out our detailed parents' guide on the best and cheapest way to insure teenage drivers

What are the cheapest car insurance companies for 18 year olds?

Below you’ll see how major carriers compare on rates when you add a teen driver age 18 to your coverage.

How much is insurance for 18 year old females with parents?

In this scenario, Island, North Carolina Farm Bureau, New Jersey Manufacturers, USAA and Nationwide were the cheapest among insurance companies we surveyed for adding a female.

Insurance cost by company for a parent policy with female, age 18
CompanyParent's Policy with Teen Added
Allstate$3,776
American Family$2,720
Auto Club$3,956
Auto-Owners$3,209
Automobile Club MI$4,486
Geico$2,429
Chubb Ltd$3,261
CSAA Insurance$6,228
Erie Insurance$2,374
Farmers Insurance$5,477
The Hartford$3,260
Iowa Farm Bureau$3,534
Island Insurance$1,713
Kemper Insurance$5,348
Kentucky Farm Bureau$4,385
Mapfre Insurance$2,496
Mercury Insurance$4,597
National General Insurance$6,233
Nationwide$2,360
New Jersey Manufacturers$1,966
North Carolina Farm Bureau$1,939
Oklahoma Farm Bureau$5,684
Palisades$3,554
Progressive$3,592
Shelter Insurance$3,457
State Farm$2,775
Travelers$3,280
USAA$2,151

Read Methodology

How much is insurance for 18 year old males with parents?

Island, North Carolina Farm Bureau, New Jersey Manufacturers, USAA and Nationwide were cheapest for adding 18-year-old male motorists.

Insurance cost by company for a parent policy with male, age 18
CompanyParent's Policy with Teen Added
Allstate$4,111
American Family$2,894
Auto Club$4,028
Auto-Owners$3,165
Automobile Club MI$4,826
Geico$2,566
Chubb Ltd$3,673
CSAA Insurance$6,321
Erie Insurance$2,756
Farmers Insurance$5,809
The Hartford$3,345
Iowa Farm Bureau$3,580
Island Insurance$1,713
Kemper Insurance$5,851
Kentucky Farm Bureau$4,252
Mapfre Insurance$2,744
Mercury Insurance$5,570
National General Insurance$6,543
Nationwide$2,506
New Jersey Manufacturers$2,142
North Carolina Farm Bureau$1,939
Oklahoma Farm Bureau$8,384
Palisades$3,763
Progressive$3,874
Shelter Insurance$4,454
State Farm$3,072
Travelers$3,603
USAA$2,270

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How much is insurance for 18 year old females?

If your teen is buying her own policy, Island, North Carolina Farm Bureau, Erie Insurance, USAA and New Jersey Manufacturers came in with the lowest female rates for full coverage.

Insurance cost by company for a teen policy for a female, age 18
CompanyTeen Policy
Allstate$5,565
American Family$3,434
Auto Club$5,619
Auto-Owners$3,354
Automobile Club MI$5,326
Geico$3,190
Chubb Ltd$3,894
CSAA Insurance$6,934
Erie Insurance$2,788
Farmers Insurance$8,358
The Hartford$5,704
Iowa Farm Bureau$3,685
Island Insurance$1,668
Kemper Insurance$6,114
Kentucky Farm Bureau$4,978
Mapfre Insurance$3,407
Mercury Insurance$8,079
National General Insurance$5,208
Nationwide$3,792
New Jersey Manufacturers$3,140
North Carolina Farm Bureau$2,479
Oklahoma Farm Bureau$5,094
Palisades$7,007
Progressive$6,506
Shelter Insurance$4,177
State Farm$3,303
Travelers$3,549
USAA$3,124

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How much is insurance for 18 year old males?

For male drivers, age 18 on their own, Island, North Carolina Farm Bureau, USAA, New Jersey Manufacturers and Erie are among the national carriers with the cheapest car insurance rates.

Insurance cost by company for a teen policy for a male, age 18
CompanyTeen Policy
Allstate$6,371
American Family$3,681
Auto Club$6,811
Auto-Owners$3,935
Automobile Club MI$6,531
Geico$3,547
Chubb Ltd$7,433
CSAA Insurance$7,084
Erie Insurance$3,514
Farmers Insurance$9,083
The Hartford$5,858
Iowa Farm Bureau$3,835
Island Insurance$1,668
Kemper Insurance$6,997
Kentucky Farm Bureau$6,270
Mapfre Insurance$4,035
Mercury Insurance$9,768
National General Insurance$5,437
Nationwide$4,429
New Jersey Manufacturers$3,429
North Carolina Farm Bureau$2,479
Oklahoma Farm Bureau$7,493
Palisades$7,720
Progressive$7,215
Shelter Insurance$5,321
State Farm$3,954
Travelers$4,047
USAA$3,362

Read Methodology

How do you get cheaper insurance for 18 year olds?

Rather than skimping on coverage, a better idea is to maximize discounts and shop around regularly for the best insurance coverage. Accident- and ticket-free driving, comparison shopping and maximizing discounts will help you find the cheapest car insurance rates for teens.

“Many big car insurance companies offer discounts to good students. Students are eligible for discounts if they have excellent academic performance, such as a high GPA or high test scores on SAT or ACT,” says associate professor Ting Liu of the College of Arts and Sciences at Stony Brook University.

“Some companies offer multiple policy discounts. For example, if a student needs renters insurance and car insurance, it is a good idea to buy the two policies from the same company and ask for a multiple policy discount.”

Car insurance discounts for 18-year-olds

Here are some typical car insurance discounts for teens:

  • Good student discount: A savings up to 16% may be available for drivers who maintain a 3.0 or "B" average in the classroom, but the average is 7%.
  • Student-away discount: College students who live away from home could qualify for this discount.

Shop around for car insurance for 18 year olds

Adding a teen to an insurance policy or teens getting their own car insurance is costly. The best way to minimize the pain is to shop around. Compare car insurance quotes from multiple insurance companies. Each insurer uses its own method for calculating what you pay, so prices for the same policy vary.

There is some good news. Car insurance gets cheaper as you age. Average car insurance rates by age show that premiums begin to decrease significantly when drivers turn 26. CarInsurance.com has guides for car insurance for a 16-year-old, 17-year-old and 19-year-old that break down rates for car insurance for teens.

Resources & Methodology

Sources:

  1. Centers for Disease Control & Prevention. “Teen Drivers: Get the Facts.” Accessed June 2022.
  2. Governors Highway Safety Association. “Teen and Novice Drivers.” Accessed June 2022.
  3. Insurance Institute for Highway Safety, Highway Loss Data Institute. “Teenagers.” Accessed June 2022.

Methodology:

CarInsurance.com commissioned Quadrant Information Services in 2022 to field rates for auto coverage data by ZIP code for 16-year-old and 40-year-old drivers.

– Michelle Megna contributed to this story.