Every teen driver needs car insurance to protect them while on the road.
Knowing how much car insurance costs and how 18-year-olds can get their own insurance will help you choose the best insurance for 18-year-old drivers.
Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.
Accidents can happen to anyone, regardless of age or experience. That’s why car insurance for 18-year-old drivers is so important: it can help cover the costs of repairs or medical treatment in case of an accident.
The cost of car insurance for 18-year-old drivers can be high. However, you can find good car insurance at a price that works for you by selecting a policy with a higher deductible, taking advantage of discounts, and comparing rates before choosing a policy.
18-year-olds are part of the most expensive age group to insure: teenagers. As a new driver with little driving experience, you are considered high-risk and will pay more for auto insurance than older drivers. This price can vary depending on where you live and what car you drive.
Below are the average annual rates for an 18-year-old policyholder in each state
Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.
It’s important to note, however that it usually costs much less for the teenage driver to be added to their parent’s policy rather than purchase a policy themselves. So if it’s possible, it will be much more affordable to join a parent’s existing policy.
Car insurance costs vary for people of all ages, depending on where they live, their gender, and their car make, model, and age. However, additional factors contribute to the price 18-year-olds pay for car insurance.
At 18-years-old, you are responsible for having the proper auto insurance coverage to legally operate a motor vehicle in your state. Although the average car insurance cost for 18-year-old drivers is notoriously high, you can get affordable coverage by taking these three steps.
Shopping around and comparing rates from top auto insurance companies is how to find the best car insurance rates for 18-year-old drivers. Consider what the policy includes and the deductible cost.
Start today by finding the best car insurance providers for you with Rate Retriever.
Some auto insurance providers offer 18-year-old drivers discounts to lower the cost of insurance, including:
Some 18-year-olds consider a state-minimum policy if they’re driving an older car and getting their own policy. However, if your vehicle would cost more to repair than you could afford out-of-pocket, you may want additional coverage which could increase your monthly premium.
Many wonder, “Can an 18-year-old get their own car insurance?” Yes, they can. However, it’s a personal decision. Some parents feel more comfortable with their child being on their policy while others would rather the child get their own. Typically, it will cost more for the 18-year-old to own their own policy.
It’s ultimately up to the 18-year-old and their parents to decide what’s best for them.
Once you know the answer to the question, “How much is car insurance for an 18-year-old?” then your next question is probably how to lower that cost. While car insurance for 18-year-old drivers is expensive, you can get a better price by taking advantage of discounts, comparing car insurance quotes, and practicing safe driving.
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