Auto Insurance Cost for an 18-Year-Old (Tips to Save)

Auto insurance for an 18-year-old is around $488 a month, but rates will vary by driver. Rates will also vary by gender, and males pay higher rates than females. Although auto insurance rates for an 18-year-old will be expensive, there are ways to save. Taking advantage of auto insurance discounts, choosing a less expensive vehicle, and raising your deductible will all help save on teen auto insurance.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 17, 2021

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Overview

  • Auto insurance rates for young drivers are high since they have less experience
  • An 18-year-old male will pay higher rates than an 18-year-old female
  • The best way to save on auto insurance for a young driver is with discounts

Auto insurance companies know that young drivers have little experience and are more likely to cause an accident.  That means an 18-year-old will pay more, and those rates can be scary.

How much is auto insurance for an 18-year-old? Rates for young drivers are very high and depend on the company.

Even though auto insurance for 18-year-old drivers is very expensive, there are some great ways to save. Young drivers can lower their auto insurance rates by adding discounts, buying a cheaper car, and raising deductibles. We’ll cover all that and more here.

One of the best ways to find affordable auto insurance for an 18-year-old is to shop around. Every company will charge different rates, so drivers need to compare multiple companies to find the best deal.

If you need buy auto insurance for an 18-year-old, enter your ZIP code now to compare free quotes from companies in your area.

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

It’s no secret that younger drivers pay much higher auto insurance rates than older drivers. The reason is simple.

Young drivers don’t have enough experience to avoid accidents. The National Highway Traffic Safety Administration reports that 2,042 people were killed in accidents involving a teen driver in 2019.

Young drivers can lower those rates with discounts and by keeping a clean driving record.

How much is car insurance for an 18-year-old? This table shows you average monthly rates for 18-year-old drivers from some of the top auto insurance companies:

Average Annual Auto Insurance Rates for an 18-Year-Old
Auto Insurance CompanyAverage Annual Auto Insurance Rates for an 18-Year-Old
Allstate$10,467
Erie$3,161
GEICO$4,651
Nationwide$5,735
Progressive$7,073
State Farm$6,336
USAA$3,596
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Although the cheapest insurance for 18-year-old drivers costs around $260 per month, the average is $488.

When do auto insurance rates go down? Typically, auto insurance rates start to drop around age 25.

The good news is that you can still save money on auto insurance for young drivers with a few simple steps.

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How can an 18-year-old save on auto insurance?

Adding auto insurance discounts is one of the easiest ways to save money. While some discounts, such as good student or driver’s ed, are specially for young drivers, there are many more that you can take advantage of.

This table shows you the common auto insurance discounts that are available from top companies:

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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Another great way to save is by paying attention to the vehicle you buy. Cars with poor safety ratings or that are expensive to repair will have higher auto insurance rates.

Consider raising your deductible, dropping coverage you don’t need, and comparing quotes from multiple companies to get the lowest rates possible.

What factors affect auto insurance rates for an 18-year-old?

Many factors affect auto insurance rates. Three of the biggest are your age, gender, and driving record.

We’ve already discussed how young drivers are charged higher car insurance rates, but your gender can also affect those rates. In general, males are charged more for insurance.

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

An 18-year-old male driver will pay around $470 a month for auto insurance. However, rates will vary by driver and company.

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

An 18-year-old female driver will pay an average of $400 a month. Again, rates will vary for each driver and auto insurance company.

Some states, like California, don’t allow insurance companies to consider gender when calculating rates.

Your driving record has a big impact on your rates. Drivers with a poor or no driving history will pay higher rates than a driver who’s been on the road a while.

Auto insurance for an 18-Year-old: What’s the bottom line?

Young drivers don’t have experience, so auto insurance companies charge them higher rates. However, there are multiple ways to lower those high rates, including adding available discounts.

Before you buy auto insurance for an 18-year-old, shop around to find the best coverage with the lowest rates.

Enter your ZIP code now to compare auto insurance rates for 18-year-old drivers from companies near you for free.

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Enter your ZIP code below to compare cheap insurance rates.

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