Average cost of car insurance for 18-year-olds in 2022

The average cost of car insurance for 18-year-olds is $411 per month, but some young drivers may pay less depending on the company and where they live.

Andrew Hurst

By

Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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Maria Filindras

Maria Filindras

Financial Advisor

Maria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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How we found the cost of car insurance for 18-year-olds

We found the cost of car insurance for 18-year-olds driving using rates provided by Quadrant Information Services. Our data experts analyzed rates from every ZIP code in all 50 states plus Washington, D.C. for a 2017 Toyota Camry LE driven 10,000 miles per year. These rates were for full coverage with the following coverage limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
  • Comprehensive: $500 deductible
  • Collision: $500 deductible

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

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

The average cost of car insurance for an 18-year-old is $411 per month. This comes out to $4,931 per year, which is $3,279 more expensive than the average cost of coverage for adults (drivers ages 30, 35, and 45).

Even though rates for 18-year-olds are high, young drivers can still find affordable car insurance coverage by comparing rates from different companies. For example, rates for an 18-year-old at COUNTRY Financial are 49% cheaper than average for drivers this age at $209 per month.

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Many companies with the lowest car insurance rates for 18-year-olds aren’t national carriers, including COUNTRY. But we found cheap coverage is also available with USAA, State Farm, and GEICO, which sell car insurance in almost every state.

Rank

Company

Monthly cost

Annual cost

1

COUNTRY Financial

$209

$2,512

2

Erie

$222

$2,663

3

USAA

$230

$2,759

4

State Farm

$252

$3,022

5

GEICO

$254

$3,046

6

Auto-Owners Insurance

$265

$3,185

7

American Family

$266

$3,190

8

MAPFRE

$267

$3,199

9

Farm Bureau

$269

$3,222

10

Kemper

$339

$4,066

11

Travelers

$341

$4,087

12

Shelter Insurance

$366

$4,394

13

Nationwide

$407

$4,878

14

The Hartford

$416

$4,996

15

Allstate

$455

$5,465

Cost of full-coverage car insurance for 18-year-olds with their own policy.

Cheapest car insurance for 18-year-old drivers: COUNTRY

COUNTRY

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

COUNTRY logo

Costs $2512 per year

In addition to low rates, COUNTRY has discounts that are catered to 18-year-old drivers.

Why we chose COUNTRY

  • $209 per month

  • 49% cheaper than average

  • Extra discounts for students and young drivers

  • Good reputation for customer service

Get quotes

The cheapest car insurance company for 18-year-old drivers is COUNTRY. On average, COUNTRY costs 18-year-olds $2,419 less per year than the average rate for their age range — nearly half the national average cost.

COUNTRY is also the best insurance company for 18-year-old drivers thanks to its discounts. Besides multi-policy and legacy discounts, COUNTRY offers a few other cost-saving opportunities that are designed for young drivers, including:

  • Good student discount: As long as you maintain at least a B grade point average, you’ll save on car insurance. You can also get another discount if you graduate from college, too.

  • Driver training discount: Like other companies, COUNTRY offers discounts to 18-year-olds who complete a defensive driving course.

COUNTRY also receives very few complaints, according to the National Association of Insurance Commissioners. J.D. Power also recognized COUNTRY as one of the best companies for service in the Midwest in its 2021 Auto Insurance Study.

Best car insurance companies for 18-year-olds

Our experts rated the top insurance companies for 18-year-olds based price, customer service, convenience, and financial strength.

The best overall car insurance for 18-year-olds is GEICO, which has the highest Policygenius rating of any of the cheapest companies.

Company

Policygenius rating

J.D. Power score (out of 1,000)

Complaints index (lower is better)

Tech score (out of five)

GEICO

4.6

881

0.73

4.8

COUNTRY Financial

4.3

Not rated

0.14

4.1

Travelers

4.3

871

0.93

4.7

American Family

4.2

889

0.22

4.8

Farm Bureau

4.2

Not rated

0.08

3

USAA

4.0

909

1.24

4.8

Shelter

4.0

Not rated

0.39

3.7

Allstate

4.0

870

0.63

4.8

Erie

3.9

901

1.69

3

Auto-Owners

3.9

Not rated

0.7

3.1

MAPFRE

3.9

Not rated

0.29

1.7

State Farm

3.8

892

0.71

4.8

Nationwide

3.8

876

0.44

4.4

The Hartford

3.7

905

1.7

3.9

Kemper

3.4

798

3.11

1.9

Ratings for the top 15 cheapest companies for 18-year-old car insurance.

Cheap car insurance for 18-year-olds in every state

GEICO has the cheapest average car insurance rates for 18-year-olds in 13 states. Behind GEICO, USAA is the cheapest company in 12 states. And COUNTRY is the absolute cheapest company for 18-year-olds in Illinois and Oregon.

Depending on where you live, the cheapest available rates for 18-year-olds range from $74 to $321 per month.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

State

Cheapest company

Monthly cost

Alabama

GEICO

$173

Alaska

USAA

$189

Arizona

GEICO

$153

Arkansas

USAA

$213

California

Wawanesa

$161

Colorado

American National

$148

Connecticut

GEICO

$233

Delaware

USAA

$252

District of Columbia

Erie

$224

Florida

GEICO

$321

Georgia

Auto-Owners Insurance

$205

Hawaii

GEICO

$74

Idaho

American National

$102

Illinois

COUNTRY Financial

$164

Indiana

USAA

$120

Iowa

State Farm

$149

Kansas

American Family

$221

Kentucky

GEICO

$237

Louisiana

USAA

$257

Maine

Auto-Owners Insurance

$130

Maryland

USAA

$193

Massachusetts

USAA

$210

Michigan

GEICO

$196

Minnesota

Farm Bureau

$173

Mississippi

USAA

$167

Missouri

USAA

$136

Montana

State Farm

$206

Nebraska

Farmers Mutual of Nebraska

$197

Nevada

GEICO

$207

New Hampshire

Auto-Owners Insurance

$138

New Jersey

GEICO

$196

New Mexico

USAA

$169

New York

American Family

$198

North Carolina

State Farm

$130

North Dakota

American Family

$196

Ohio

USAA

$137

Oklahoma

American Farmers and Ranchers

$168

Oregon

COUNTRY Financial

$146

Pennsylvania

GEICO

$207

Rhode Island

State Farm

$218

South Carolina

American National

$139

South Dakota

Kemper

$193

Tennessee

GEICO

$169

Texas

Farm Bureau

$146

Utah

GEICO

$193

Vermont

Auto-Owners Insurance

$145

Virginia

GEICO

$169

Washington

PEMCO

$250

West Virginia

State Farm

$184

Wisconsin

USAA

$135

Wyoming

American National

$201

Cost of full-coverage car insurance for 18-year-olds with their own policy.

Average cost of car insurance for 18-year-olds in every state

Hawaii has the cheapest car insurance for 18-year-olds of any state, because it doesn’t allow insurance companies to set rates by age

Louisiana is the most expensive state for 18-year-old drivers, car insurance costs 18-year-olds an average of $748 per month in the Pelican State.

State

Monthly cost

Annual cost

Alabama

$497

$5,964

Alaska

$319

$3,825

Arizona

$411

$4,934

Arkansas

$438

$5,255

California

$384

$4,606

Colorado

$422

$5,059

Connecticut

$511

$6,137

Delaware

$577

$6,923

District of Columbia

$501

$6,011

Florida

$697

$8,368

Georgia

$460

$5,524

Hawaii

$110

$1,325

Idaho

$307

$3,686

Illinois

$352

$4,226

Indiana

$263

$3,160

Iowa

$238

$2,858

Kansas

$372

$4,461

Kentucky

$521

$6,254

Louisiana

$748

$8,981

Maine

$293

$3,517

Maryland

$470

$5,635

Massachusetts

$483

$5,794

Michigan

$567

$6,804

Minnesota

$285

$3,416

MIssissippi

$413

$4,961

Missouri

$364

$4,363

Montana

$486

$5,827

Nebraska

$360

$4,325

Nevada

$552

$6,619

New Hampshire

$330

$3,955

New Jersey

$629

$7,542

New Mexico

$354

$4,250

New York

$481

$5,777

North Carolina

$187

$2,246

North Dakota

$344

$4,126

Ohio

$271

$3,247

Oklahoma

$485

$5,825

Oregon

$367

$4,401

Pennsylvania

$417

$5,000

Rhode Island

$564

$6,773

South Carolina

$429

$5,151

South Dakota

$352

$4,228

Tennessee

$367

$4,401

Texas

$460

$5,518

Utah

$419

$5,030

Vermont

$286

$3,432

Virginia

$348

$4,175

Washington

$427

$5,123

West Virginia

$423

$5,076

Wisconsin

$296

$3,551

Wyoming

$336

$4,033

Average car insurance cost for 18-year-old male and female drivers

In most states, your rates are determined in part by the gender that’s on your license. Car insurance for 18-year-old male drivers is, on average, more expensive than it is for female drivers with the exact same profile. 

On average, the cost for male drivers is $439 per month — $56 more than for their female counterparts.

Gender

Monthly cost

Annual cost

Male driver

$439

$5,268

Female driver

$383

$4,594

Difference

$56

$674

Costs for full-coverage car insurance.

The difference between the cost of car insurance for 18-year-old male and female drivers at the cheapest companies is the least at Farm Bureau-affiliated insurance groups. With Farm Bureau, male drivers pay just $4 more each month for coverage.

Company

Difference

Male drivers

Female drivers

Farm Bureau

$4

$250

$246

COUNTRY Financial

$15

$217

$202

USAA

$17

$238

$222

GEICO

$23

$265

$243

American Family

$23

$313

$290

Kemper

$39

$426

$387

MAPFRE

$47

$290

$243

State Farm

$51

$277

$227

Erie

$51

$247

$196

Auto-Owners Insurance

$51

$276

$225

Annual cost of full-coverage for 18-year-olds. Companies listed are the ten cheapest for 18-year-old drivers.

How much is car insurance for an 18 year old compared to other ages?

The cost of car insurance for 18-year-olds is cheaper than for 16-year-olds, but 18-year-olds pay an average of 198% more than 30, 35, and 45-year-olds.

A graph showing the cost of car insurance for 18-year-olds compared to other ages.

Car insurance rates for 18-year-olds are much higher than for older drivers because they’re more likely to drive recklessly, get tickets, cause accidents, and file claims than more experienced drivers. 

According to the Department of Transportation, 18-year-old drivers were behind the wheel for 9,500 fatal crashes from 2011 to 2020. This is why younger drivers pay more for coverage than older people. [1]

But as long as 18-year-olds keep their driving records clean, their rates will go down with age, and level out around 25, when they age out of the highest-risk age group.

Age

Monthly cost

Yearly cost

16

$565

$6,779

17

$489

$5,868

18

$411

$4,931

19

$319

$3,822

21

$226

$2,708

25

$161

$1,929

30

$142

$1,706

35

$138

$1,654

45

$132

$1,583

55

$122

$1,463

60

$121

$1,449

65

$125

$1,494

70

$132

$1,585

Full-coverage car insurance, ordered by age.

Average insurance cost for 18-year-olds vs. other young drivers

The cost of insurance for 18-year-olds is higher than average, but it’s still cheaper than coverage for even younger drivers. Compared to 16-year-olds, insurance costs 18-year-olds $1,848 less per year. From 16 to 18 years old, car insurance costs drop by 37%.

But compared to drivers with slightly more experience behind the wheel, insurance for an 18-year-old is still significantly more expensive. Our analysis reveals that the average rates for a 21-year-old are $2,223 cheaper per year than for an 18-year-old — a difference of 45%.

Age

Monthly cost

Difference from 18-year-olds

16

$565

37%

18

$411

--

21

$226

-45%

25

$161

-61%

Cost of full-coverage car insurance for 18-year-olds with their own policy.

→ Read more about how car insurance for young drivers gets cheaper over time

Can an 18-year-old get their own car insurance?

It’s legal for an 18-year-old to get their own car insurance policy. Unlike younger drivers who are legally minors, 18-year-olds can enter into an insurance agreement without a parent or guardian’s permission.

But if you have an 18-year-old driver in your household, it’s a better idea to add them to your existing policy than for them to get their own. Most companies require you to list all the licensed drivers on your policy anyways. Adding a young driver to your policy will raise your rates, but it will probably still be cheaper than if they got their own policy.

But 18-year-olds who no longer live at home and have their own car will need their own policy. One exception is if they are away at school — many companies offer discounts for families who have a college student who is away at school without a car.

What is the cost to add an 18-year-old to your car insurance?

It’s expensive to add an 18-year-old to your car insurance. But it’s still cheaper to add a teenage driver to your insurance than for them to get their own policy.

How to get the cheapest car insurance for 18 year olds

Car insurance for 18-year-olds is expensive, but it’s still possible to find affordable coverage. You can avoid paying too much for insurance for teens by:

  • Not getting a separate policy: It’s expensive to add an 18-year-old to an existing policy, but it costs much more to get them a separate car insurance policy. Plus, if your 18-year-old has their own car, most insurers offer a discount for insuring more than one vehicle on the same policy.

  • Looking for discounts for teen drivers: Companies sometimes offer discounts for young drivers. These include discounts for good students, completing a new driver course, and away-from-home discounts for students.

  • Considering usage-based programs: Usage-based or telematics programs that monitor driving habits could lower insurance costs for 18-year-olds — as long as they’re safe drivers. 

  • Making sure you don’t have too much insurance: While it’s a good idea to carry comprehensive and collision coverage, they may not be necessary for older cars. If your teen drives an old clunker that isn’t worth much, you can drop those coverages

  • Switching to per-mile insurance: Per-mile insurance plans may be cheaper than a standard policy for 18-year-old drivers who don’t use their cars often. Liberty Mutual, Allstate, and Nationwide all have pay-per-mile car insurance plans, but 18-year-olds will have to get their own per-mile plans.

If you’re still having trouble finding affordable car insurance for an 18-year-old, the most dependable way to ensure you’re getting the lowest rates is to shop around and compare quotes from more than one insurance company in your area.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Frequently Asked Questions

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

According to our analysis, insurance for an 18-year-old is $411 per month on average, or $4,931 per year. Eighteen-year-old male drivers pay $439 per month, while the average cost of car insurance for female drivers of the same age is $383 per month.

What is the best car insurance for 18-year-olds?

COUNTRY Financial is the best car insurance for 18-year-olds. Coverage from COUNTRY costs 18-year-olds an average of $209 per month — the cheapest of any company we considered. COUNTRY also has discounts that can help young drivers lower their rates.

Is first-time car insurance for 18-year-olds more expensive?

While car insurance 18-year-olds usually costs less than for 16-year-olds, it will be more expensive for first-time drivers regardless of their age. This is because insurance companies set rates according to driving history. Without a driving record, rates will be expensive until you get more experience.

Can you get car insurance at 18 years old?

Yes, you can get car insurance at 18 years old. It’s cheaper to join an existing policy if it’s possible, but 18-year-olds can buy their own car insurance without their parents’ permission since they are no longer minors.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. National Highway Traffic Safety Administration

    . "

    Fatality Analysis Reporting System (FARS)

    ." Accessed July 08, 2022.

Author

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

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Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Expert reviewer

Financial Advisor

Maria Filindras

Financial Advisor

gray linkedin icon link

Maria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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