dcsimg
Call Us Toll Free: 1-855-430-7753
Go To Top
Get Personalized
Car Insurance Quotes
AGE
CURRENTLY INSURED?

Cheap car insurance for 18-year-olds by state

By

Even a no-frills car insurance policy -- just what's needed to legally drive and the cheapest car insurance an 18-year-old can buy -- is a huge expense. Due to their inexperience behind the wheel, insurance companies deem young motorists as high-risk drivers. Though average car insurance rates by age data show that around age 24 rates begin to drop, drivers in their teens and early 20s typically pay much more than others. Here we'll outline what drivers age 18 can expect to pay for car insurance, showing average rates by state, coverage level and company. You'll also see how many hours you need to work at minimum wage to pay for a policy. And, perhaps most important, we'll explain how you can still get cheap car insurance, regardless of your age.

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

The average price of a year of bare-bones coverage for an 18-year-old woman is $1,769, for men that age it's $2,030, according to a rate analysis by CarInsurance.com. Here is how much it costs for seven different coverage levels for drivers age 18, broken down by state. To see how much you can expect to pay, and to compare costs by coverage level, enter your state in the search field. You can also sort by cheapest car insurance for an 18-year-old to most expensive by clicking on the arrows next to each column header.

StateState minimumLiability Only - 50/100/50 BI/PDLiability Only - 100/300/100 BI/PDState Minimum BI/PD - 500 Comp/CollFull Coverage - 50/100/50 BI/PD - 500 Comp/CollFull Coverage - 100/300/100 BI/PD - 500 Comp/Coll

Full Coverage -

100/300/100 BI/PD - 1000 Comp/Coll

Alaska$1,322$1,335$1,514$4,332$4,345$4,604$4,066
Alabama$1,955$2,182$2,430$5,011$5,289$5,6495, 153
Arkansas$2,069$2,281$2,659$5,668$5,815$6,247$5,687
Arizona$1,915$2,371$2,690$4,509$5,046$5,449$4,959
California$1,780$2,205$2,396$5,609$6,134$6,415$5,651
Colorado$2,090$2,423$2,793$5,204$5,671$6,217$5,652
Connecticut$3,408$3,786$4,366$6,416$6,770$7,358$6,913
DC$2,535$2,833$3,095$5,490$5,751$6,025$5,324
Delaware$2,728$3,199$3,559$5,298$5,772$6,182$5,625
Florida$2,652$3,767$4,376$5,012$6,372$7,130$6,730
Georgia$2,041$2,798$3,187$5,109$5,432$5,877$5,425
Hawaii$467$525$577$1,247$1,333$1,411$1,227
Iowa$1,128$1,272$1,369$3,208$3,348$3,425$3,006
Idaho$1,646$1,831$2,098$4,073$4,291$4,601$4,185
Illinois$1,849$2,093$2,388$3,986$4,240$4,518$4,129
Indiana$1,594$1,753$1,948$3,993$4,164$4,366$3,839
Kansas$1,601$1,740$1,926$4,470$4,588$4,742$4,160
Kentucky$2,177$2,476$2,906$5,968$6,229$6,631$6,051
Louisiana$2,749$3,636$4,494$6,551$7,657$8,766$8,246
Massachusetts$1,816$2,348$2,543$4,041$4,681$4,876$4,137
Maryland$2,332$2,520$2,707$4,671$4,850$5,035$4,509
Maine$1,386$1,400$1,579$3,520$3,533$3,717$3,342
Michigan$4,243$4,518$4,763$8,881$9,200$9,488$8,577
Minnesota$2,049$2,221$2,311$4,154$4,324$4,375$3,928
Missouri$1,814$2,015$4,006$4,275$4,495$4,069
Mississippi$1,670$1,971$2,203$4,202$4,550$4,857$4,492
Montana$1,358$1,570$1,781$4,082$4,416$4,723$4,213
North Carolina$1,050$1,138$1,269$2,173$2,265$2,399$2,261
North Dakota$1,275$1,386$1,519$4,085$4,197$4,330$3,762
Nebraska$1,465$1,607$1,799$3,751$3,874$4,045$3,569
New Hampshire$2,242$2,450$2,733$4,777$4,940$5,222$4,785
New Jersey$2,199$2,690$2,973$4,214$4,709$4,994Wisconsin
$1,574$1,822$2,080$4,301$4,553$4,802$4,299
West Virginia$1,768$1,993$2,288$4,291$4,466$4,761$4,170
Wyoming$832$917$1,003$3,520$3,614$3,717$3,079
$4,601
New Mexico$1,979$2,220$2,488$5,076$5,382$5,784$5,289
Nevada$2,168$2,731$3,419$4,963$5,670$6,559$6,157
New York$2,061$2,297$2,610$4,362$4,598$4,911$4,424
Ohio$1,631$1,717$1,899$3,942$4,009$4,232$3,731
Oklahoma$1,889$2,089$2,519$5,342$5,647$6,261$5,626
Oregon$2,790$3,112$3,487$4,915$5,229$5,596$5,186
Pennsylvania$1,426$1,730$1,999$3,815$4,116$4,358$3,899
Rhode Island$3,197$3,713$4,216$6,866$7,350$7,857$7,223
South Carolina$1,714$1,937$2,213$4,509$4,753$5,086$4,526
South Dakota$1,172$1,311$1,512$4,534$4,674$4,838$4,058
Tennessee$1,946$2,150$2,372$4,810$5,019$5,289$4,801
Texas$2,020$2,201$2,438$5,136$5,361$5,685$5,175
Utah$2,051$2,237$2,601$4,281$4,471$4,912$4,514
Virginia$1,295$1,426$1,638$3,126$3,226$3,438$3,094
Vermont$1,235$1,369$1,567$3,598$3,717$3,910$3,504
Washington$1,772$1,959$2,164$3,980$4,189$4,476$4,121
Wisconsin$1,574$1,822$2,080$4,301$4,553$4,802$4,299
West Virginia$1,768$1,993$2,288$4,291$4,466$4,761$4,170
Wyoming$832$917$1,003$3,520$3,614$3,717$3,079

How many hours do you have to work to pay for a policy?

Among employed teenagers (ages 16 to 19) paid by the hour, about eight percent earned the minimum wage or less, compared with about one percent of workers age 25 and older, according to the latest Bureau of Labor Statistics data.

But it represents a bigger challenge in some places than in others. Young drivers in Michigan and Louisiana will work nearly four times as long as their counterparts in Hawaii and Vermont to buy liability insurance that meets their state minimum car insurance requirements, according to a CarInsurance.com analysis.

We ranked states by the number of hours needed to buy coverage, comparing their cheapest car insurance for 18-year-olds with their minimum wage.

This is as cheap as insurance gets, and there are few trade-offs available to save further. For example, by law you can’t reduce your limits below the minimum amounts. And you can’t raise your deductible. There are no deductibles on liability insurance.

Let's consider an 18-year-old working an entry-level job. The federal minimum wage as of July 1, 2019 was just $7.25 an hour, according to the U.S. Department of Labor. And teenagers pay much more than older drivers for insurance: The average price of a year of bare-bones coverage for an 18-year-old woman is $1,769, for men that age it's $2,030, according to a rate analysis by CarInsurance.com.

At those averages, a year of state minimum liability insurance would require 244 hours of work for the females, and 280 for males, on average.

Because both wages and car insurance rates swing dramatically, we looked at affordability by comparing the cost of legal-minimum auto insurance with each state’s minimum wage. Young drivers in Michigan had it worst, with 448 hours required to buy the cheapest liability policy required to drive legally. A young driver finds much cheaper insurance in Hawaii -- a year of liability insurance takes just 46 hours of work.

CarInsurance.com calculated how many hours an 18-year-old earning minimum wage in each state would have to work to buy his own state minimum car insurance policy.

How many hours an 18-year-old works at minimum wage to pay for a state-minimum liability car insurance policy

StateAnnual average liability costMinimum wageHours worked to buy policy
Hawaii$467$10.1046
Vermont$1,329$10.78123
Wyoming$952$7.25131
Maine$1,472$11134
South Dakota$1,282$9.10141
Alaska$1,411$9.89143
North Carolina$1,050$7.25145
Massachusetts$1,816$12151
Washington$1,897$12158
Montana$1,358$8.50160
Iowa$1,213$7.25167
Nebraska$1,571$9175
California$1,926$11175
North Dakota$1,362$7.25188
Arizona$2,079$11189
Virginia$1,413$7.25195
Missouri$1,683$8.60196
Pennsylvania$1,420$7.25196
DC$2,768$14198
Colorado$2,246$11.10202
Ohio$1,743$8.55204
New York$2,297$11.10207
West Virginia$1,919$8.75219
Minnesota$2,168$9.86220
New Jersey$2,271$10227
Wisconsin$1,685$7.25232
Kansas$1,696$7.25234
Illinois$1,967$8.25238
Arkansas$2,230$9.25241
Indiana$1,751$7.25241
Mississippi$1,767$7.25244
Idaho$1,781$7.25246
Maryland$2,553$10.10253
South Carolina$1,852$7.25255
Oregon$2,897$11.25257
Oklahoma$2,051$7.25283
Nevada$2,338$8.25283
New Mexico$2,129$7.50284
Alabama$2,092$7.25289
Tennessee$2,099$7.25290
Texas$2,177$7.25300
Utah$2,209$7.25305
Georgia$2,223$7.25307
Kentucky$2,344$7.25323
Rhode Island$3,439$10.50328
New Hampshire$2,399$7.25331
Florida$2,813$8.46333
Delaware$2,973$8.75340
Connecticut$3,715$10.10368
Louisiana$2,991$7.25413
Michigan$4,234$9.45448

Note: Alabama, Louisiana, Mississippi, South Carolina and Tennessee have no minimum wage mandate so are displayed at the federal minimum.

How young drivers can get more affordable car insurance

The cost of liability insurance, your state minimum car insurance required to drive, has more to do with the driver than the car. (The insurance company isn’t going to fix your car, just the person’s you hit.) In your search for the best cheap car insurance, these are the factors you have some control over:

  • Your driving record: More than one violation or accident is going to hurt.
  • Your credit: If it’s dismal, you’re seen as a bigger risk of a claim and thus charged more in many states.
  • Your mileage: The less you drive, the less risk of your hitting someone.
  • Your insurance history: If you’ve let your policy lapse, even for a few days, you’ll pay more for coverage.
  • Your insurance company: No two insurers offer identical rates, and even on state-minimum policies, premiums can differ by hundreds, sometimes thousands, of dollars a year.
  • Your car: If your car has a significantly higher rate of claims than most (because, say, it’s driven mostly by young drivers), your liability rates will reflect that risk.
  • Your ability to qualify for discounts: You may be able to earn a good student discount, or other car insurance discount, for instance, for paying online, so be sure to research which ones you can get and ask for them.

Comparing car insurance quotes: Cheap car insurance for an 18-year-old 

Comparison shopping is one of the easiest ways to save on car insurance. Each insurance company uses different calculations to decide what you pay for coverage. That means the price for the exact same policy can differ significantly among insurers. For example, below you'll see the average rate for drivers age 18 buying a full coverage policy with a $500 deductible on comprehensive and collision. The difference between insurers with the cheapest rates and those with the highest is thousands of dollars.

Company NameAverage rate for full coverage policy
Concord General Mutual$1,443
Bear River$1,526
Nodak Mutual$1,533
Erie$1,736
Country$1,892
Erie Property & Casualty$2,131
Geico$2,135
Erie Insurance Exchange$2,143
North Carolina Farm Bureau$2,219
Farmers Insurance of HI$2,323
Plymouth Rock$2,371
Farmers Mutual$2,387
USAA$2,403
GEICO Advantage$2,431
Pemco Mutual$2,450
USAA Casualty$2,455
Southern Farm Bureau$2,545
Vermont Mutual$2,586
Geico County Mutual$2,621
Integon National$2,633
General Insurance$2,646
Mississippi Farm Bureau$2,650
Progressive Southeastern$2,671
Tennessee Farmers$2,854
Owners Insurance$2,855
Geico General$2,903
Farm Bureau Property & Casualty$2,926
Geico Casualty$2,971
NJM$3,163
Commerce/MAPFRE$3,306
American Family Mutual$3,345
Georgia Farm Bureau$3,424
21st Century Centennial$3,510
Liberty Mutual Fire$3,614
State Farm Mutual Auto$3,628
Farm Bureau Mutual Of ID$3,665
Nationwide Agribusiness$3,947
Kentucky Farm Bureau$3,990
Shelter Insurance$4,053
Nationwide Property & Casualty$4,232
Nationwide Affinity$4,392
Automobile Club$4,402
Nationwide Mutual Fire$4,437
National Farmers Union Prop & Cas$4,476
Home Owners Insurance$4,604
Arbella$4,634
Geico Indemnity$4,730
Depositors Insurance$4,901
Safeco Insurance of IL$5,015
Nationwide America$5,030
Allstate NJ Prop & Cas$5,104
Oklahoma Farm Bureau$5,131
Memberselect$5,265
First National$5,325
Allied$5,395
Allstate Indemnity$5,480
Amco$5,485
United Financial$5,529
Farmers Insurance of WA$5,570
Allstate Fire & Casualty$5,642
Allstate$5,649
Nationwide Mutual$5,741
Progressive Advanced$5,789
United Farm Family Mutual$5,796
Progressive Universal$5,797
Safety Insurance$5,885
Allstate$6,089
Amica$6,176
Farmers Insurnace Columbus$6,277
Western United$6,294
Safeco$6,302
Farmers Insurance of ID$6,409
Allstate Northbrook$6,443
Artisan & Truckers$6,501
Alfa$6,504
Colonial County Mutual$6,559
Progressive Paloverde$6,861
Louisiana Farm Bureau$6,934
Mountain Laurel$6,967
Auto Club of Southern CA$7,033
Progressive Premier$7,112
Mid Century$7,150
Liberty Mutual$7,173
Farmers$7,214
CSAA$7,476
Victoria$7,502
Illinois Farmers$7,680
Progressive Select$7,969
Progressive Direct$8,101
State Farm Ind$8,104
Progressive Gulf$8,288
Acuity$8,308
Farmers Insurance of OR$8,322
Progressive Specialty$8,770
Progressive Northwestern$8,807
Progressive Max$8,851
Progressive HI$8,872
Progressive Garden State$8,887
Foremost$9,047
Progressive Northern$9,272
Progressive Preferred$9,483
Progressive Mountain$9,566
Mercury$9,607
Farmers Insurance of  AZ$9,671
Progressive$9,884

Whether you're a parent or a teen, read our guide to car insurance for young drivers  and our guide to car insurance for an 18-year-old for plenty more information that can help you make the car insurance choices that are best for you. 

Comments
Tell us your thoughts
Leave a Comment
 

5 Responses to "Cheap car insurance for 18-year-olds by state"
  1. terryn nichols

    I'm in the Marines and looking to buy a car but not sure what insurance company I should use. I had car before but it was my mom's old car and they added me on there insurance. But now I'm out of the house and looking to get insurance on my own.

      Reply»  
  2. Shea Burgan

    I am 18, will be 19 in Dec. I am just getting my drive'rs license and buying my first car. I am financing thru the bank so, will I need full coverage?

      Reply»  
  3. Patti Osterberg

    This chart of the cheapest car insurance by state is so helpful! Looks like I'm kind of in the middle living in Utah; $848 seems like a pretty average cost per year. I also really appreciate the tips for getting more affordable auto insurance. I don't really drive that much, so I guess my mileage can save me some money!

      Reply»  
  4. megan

    Interesting! Thanks.

      Reply»  
  5. Aja

    Quite good and valuable information is provided here. Thanks.

      Reply»  
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.