How Much is Auto Insurance for an 18 Year Old?

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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Teenagers are some of the riskiest drivers to insure. That’s why 18-year-old drivers pay some of the highest rates for car insurance in the United States. How much is car insurance for an 18-year-old? How can you save money on car insurance as an 18-year-old? Keep reading to discover everything you need to know about the price of car insurance for 18-year-old drivers.

how much is auto insurance for an 18 year old

The Average 18 Year Old Pays $2,200 to $2,500 per Year for Car Insurance

The average 18-year-old driver in the United States will pay $2,200 to $2,500 per year for car insurance, according to most studies found online.

Insurance prices vary widely based on age, gender, and location. An 18-year-old female driver may pay just $2,200 per year, for example, while an 18-year-old male driver may pay well over $2,500. On average, however, most 18-year-old drivers in the United States will pay somewhere between $2,200 and $2,500 per year for car insurance.

Why do 18-year-old males pay more for car insurance? Statistically, young males are some of the riskiest drivers to insure. Young males are more likely to get into an accident than young females. Based on decades of insurance data, an 18-year-old male driver is one of the costliest drivers for an insurance company to cover, which is why that driver will pay higher rates.

As you get older, prices drop considerably – especially if you maintain a clean driving record. A 19-year-old female driver, for example, may pay as little as $1,000 per year for car insurance, while 19-year-old males may pay closer to $2,000 per year. As you continue into your 20s, rates will continue to drop every year.

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What Affects Car Insurance Prices for 18-Year-Old Drivers?

The average 18-year-old driver in the United States pays somewhere between $2,200 and $2,500 per year for car insurance. However, many drivers will pay significantly more or less than these amounts based on various factors, including:

The Age You Received Your License: Some teenage drivers have been driving safely since age 14 (under a learner’s permit). Other teenage drivers wait until they’re 18 before they receive their license. The more driving experience you have, the lower your insurance premiums will be, generally speaking. An 18-year-old male who received his license the day he turned 16 may pay cheaper insurance premiums than an 18-year-old driver who received his license last week.

Safe Driving History: Teenage drivers already pay the highest rates in America for car insurance. Rates can go even higher, however, if you get into an accident. Teenage drivers who cause an accident will have their premiums skyrocket.

Speeding Tickets and Other Offenses: Statistics show that drivers who receive speeding tickets tend to be riskier to insure. If you receive a speeding ticket, a DUI, or another moving violation, then you may face significantly higher insurance premiums as an 18-year-old driver.

Driver’s Education: Did you take a driver’s education class prior to getting your license? Many car insurance companies in the United States will give an 18-year-old driver a discount because he or she took a safe driving course.

Your Own Insurance Versus Your Parents’ Insurance: Many 18-year-old drivers continue to live at home. If you are still living at home, then you may be able to save hundreds by getting car insurance under your parents’ policy instead of having your own policy.

State Laws: Every state has its own car insurance system. Some states have notoriously expensive car insurance premiums. Drivers in Louisiana pay significantly higher insurance premiums than drivers in North Carolina, for example, at all ages.

How to Get Cheap Car Insurance as an 18-Year-Old Driver

Fortunately for 18-year-old drivers, there are ways to save money on car insurance and get the lowest possible premiums:

Buy a Cheap Car: One of the best ways to save money as an 18-year-old driver is to buy a cheap vehicle. A cheaper, older car with lots of miles is worth significantly less than a newer vehicle. On an older vehicle, you can save even more money by dropping comprehensive and collision coverage.

Take a Defensive Driving Course: Many teens take a driver safety or defensive driving course. These courses will teach you to be a safer driver, but they can also decrease insurance premiums by 10% to 15%.

Add Yourself to your Parents’ Car Insurance: Some teens buy their own insurance policies. That’s fine. However, it’s generally cheaper to add yourself as a secondary driver under your parents’ car insurance policy. This makes sense especially if you’re driving a family vehicle and not your own vehicle.

Compare Quotes Online: All car insurance companies in America offer car insurance for 18-year-old drivers. Compare quotes online today to find the best option for your unique needs. Enter your ZIP code to get started. Then, browse quotes for your area. You can request a quote from any major insurance company long before you lock into a policy. Take advantage of these online tools to find the best car insurance as an 18-year-old driver.

By following the tips above, you can maximize car insurance savings as an 18-year-old driver anywhere in the United States.

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