Cheapest Car Insurance for Teens in 2025

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Updated: January 28, 2025

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Key Takeaways

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Opting for a family car insurance policy is generally more cost-effective. On average, an individual teen policy costs $4,866 per year, while adding a teen to a family policy averages $3,048. Insurance companies often offer multi-car and multi-driver discounts.

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Gender and age affect insurance rates. Male teens are typically 13% more expensive to insure than females due to higher risky driving rates. Drivers aged 18 are about 10% to 20% cheaper to insure than 16-year-olds.

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Teen drivers can save money with discounts like good student and telematics-based offers. Nationwide and Geico provide some of the cheapest policies, including good student discounts.

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What Is the Cheapest Car Insurance for Teens?

Nationwide and GEICO offer the cheapest full coverage policies for teen drivers. GEICO also provides the most affordable minimum coverage car insurance for teens. For individual policies, State Farm offers the lowest average rates. The cheapest options may vary depending on the teen driver's age and state.

Check out our methodology for our data-driven approach to finding the best rates. You can also read our buying guide for tips on choosing between family and individual policies and how gender and age affect rates.

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CHEAPEST CAR INSURANCE FOR TEENS: QUICK LINKS

Cheapest for 16-Year-Olds: Nationwide for a family policy; State Farm for an individual policy
Cheapest for 17-Year-Olds: Nationwide for a family policy; State Farm for an individual policy
Cheapest for 18-Year-Olds: GEICO for a family policy; State Farm for an individual policy
Cheapest for 19-Year-Olds: Nationwide for a family policy; State Farm for an individual policy

Cheapest Car Insurance for 16-Year-Old Teens

Car insurance for 16-year-olds is the most expensive due to their lack of experience and higher risk of claims. The cheapest options for drivers aged 16 are Nationwide for family policies at $2,718 annually and State Farm for individual policies at $3,732.

See the full list of rates for 16-year-olds from each insurer below:

Data filtered by:Results filtered by:
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Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Nationwide$2,718$5,108$2,390
GEICO$2,936$5,463$2,527
State Farm$3,055$3,732$678
Allstate$3,292$6,583$3,291
Travelers$3,436$5,622$2,186
Progressive$3,454$7,481$4,027
Farmers$3,562$8,864$5,301

Cheapest Car Insurance for 16-Year-Olds by State

Insurance costs vary greatly by state. Nationwide is the cheapest option for 16-year-olds in 17 states. Allstate and GEICO are the most affordable in eight and seven states, respectively.

Check the table below to see which company offers the cheapest rates in your area. Teens with learner's permits may be unable to be added to an insurance policy. In such cases, they're usually covered under permissive use.

Data filtered by:Results filtered by:
Select
Gender:Male
Select
Coverage:100/300/100 w/ $1000 Deductible
AlabamaNationwide$1,871$4,019$2,149
AlaskaGEICO$2,109$3,869$1,760
ArizonaTravelers$1,988$3,792$1,804
ArkansasAllstate$1,753$6,682$4,929
CaliforniaState Farm$3,021$3,333$312
ColoradoKemper$1,386$7,734$6,348
ConnecticutGEICO$1,890$10,193$8,302
DelawareGEICO$3,096$7,593$4,497
District of ColumbiaGEICO$1,836$3,782$1,946
FloridaNationwide$4,306$8,646$4,340
GeorgiaAllstate$1,726$4,834$3,107
HawaiiState Farm$742$742$0
IdahoState Farm$1,325$1,807$482
IllinoisProgressive$2,022$4,801$2,780
IndianaNationwide$1,779$4,253$2,474
IowaAllstate$1,717$5,365$3,649
KansasNationwide$1,150$2,372$1,222
KentuckyNationwide$2,021$3,824$1,803
LouisianaState Farm$5,605$6,954$1,349
MaineConcord Group$1,062$1,755$693
MarylandKemper$1,918$4,783$2,865
MassachusettsState Farm$1,220$1,824$605
MichiganGEICO$2,469$2,912$443
MinnesotaNationwide$1,922$4,083$2,161
MississippiProgressive$733$4,693$3,960
MissouriGEICO$1,457$7,630$6,173
MontanaProgressive$1,601$3,505$1,904
NebraskaAllstate$2,005$6,152$4,147
NevadaNationwide$2,421$5,384$2,964
New HampshireConcord Group$1,151$1,827$676
New JerseyGEICO$2,554$2,597$43
New MexicoAllstate$1,882$4,097$2,215
New YorkKemper$1,231$4,366$3,135
North CarolinaState Farm$1,237$1,341$103
North DakotaNationwide$1,167$2,440$1,273
OhioNationwide$1,178$2,658$1,480
OklahomaAllstate$2,036$5,607$3,571
OregonNationwide$1,505$3,861$2,356
PennsylvaniaNationwide$1,330$3,383$2,053
Rhode IslandState Farm$2,143$2,978$836
South CarolinaAuto-Owners$2,742$3,841$1,099
South DakotaAllstate$1,220$7,137$5,917
TennesseeNationwide$1,572$4,098$2,525
TexasNationwide$1,964$5,112$3,148
UtahNationwide$1,568$4,092$2,525
VermontConcord Group$1,319$2,029$711
VirginiaNationwide$1,300$2,971$1,671
WashingtonKemper$1,809$2,601$792
West VirginiaNationwide$1,672$3,850$2,179
WisconsinNationwide$1,246$3,012$1,766
WyomingAllstate$1,609$5,616$4,007

Cheapest Car Insurance for 17-Year-Old Teens

Car insurance for 17-year-olds remains expensive, but rates typically start to decrease slightly. The most affordable providers for drivers aged 17 are Nationwide for family policies at $2,685 annually and State Farm for individual policies at $3,312.

Data filtered by:Results filtered by:
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Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Nationwide$2,685$4,662$1,978
GEICO$2,863$4,260$1,396
State Farm$3,030$3,312$281
Allstate$3,218$5,292$2,074
Farmers$3,311$6,664$3,353
Travelers$3,316$4,287$970
Progressive$3,572$7,262$3,691

Cheapest Car Insurance for 17-Year-Olds by State

Nationwide offers the most affordable insurance for 17-year-old drivers in 17 states, followed by GEICO and Allstate.

Filter the table below to find the cheapest insurer in your state:

Data filtered by:Results filtered by:
Select
Coverage:100/300/100 w/ $1000 Deductible
Select
Gender:Male
AlabamaGEICO$1,863$3,643$1,780
AlaskaGEICO$2,038$3,078$1,040
ArizonaTravelers$1,909$2,919$1,010
ArkansasAllstate$1,778$5,552$3,774
CaliforniaState Farm$2,958$2,974$16
ColoradoKemper$1,321$5,827$4,506
ConnecticutGEICO$1,379$4,523$3,144
DelawareGEICO$2,603$4,419$1,816
District of ColumbiaGEICO$1,704$2,743$1,039
FloridaNationwide$4,306$8,646$4,340
GeorgiaAllstate$1,776$4,194$2,418
HawaiiState Farm$742$742$0
IdahoState Farm$1,319$1,587$267
IllinoisProgressive$1,965$3,936$1,971
IndianaGEICO$1,498$2,948$1,450
IowaAllstate$1,514$3,222$1,708
KansasNationwide$1,180$2,292$1,112
KentuckyNationwide$2,072$3,682$1,610
LouisianaState Farm$5,572$6,117$545
MaineConcord Group$1,053$1,555$502
MarylandProgressive$1,858$2,987$1,129
MassachusettsState Farm$1,220$1,824$605
MichiganGEICO$2,679$2,912$233
MinnesotaNationwide$1,975$3,922$1,947
MississippiProgressive$821$5,932$5,111
MissouriGEICO$1,417$6,323$4,906
MontanaProgressive$1,524$2,576$1,052
NebraskaAllstate$1,775$3,742$1,967
NevadaNationwide$2,410$4,865$2,454
New HampshireConcord Group$1,144$1,660$516
New JerseyGEICO$2,556$2,597$41
New MexicoAllstate$1,872$3,428$1,556
New YorkKemper$1,220$3,722$2,501
North CarolinaState Farm$1,235$1,300$66
North DakotaNationwide$1,188$2,412$1,224
OhioNationwide$1,204$2,658$1,454
OklahomaAllstate$2,032$4,823$2,790
OregonNationwide$1,516$3,707$2,191
PennsylvaniaNationwide$1,368$3,250$1,882
Rhode IslandState Farm$2,104$2,600$497
South CarolinaAuto-Owners$2,607$3,006$400
South DakotaAllstate$1,064$4,423$3,359
TennesseeNationwide$1,627$4,098$2,471
TexasNationwide$2,006$5,080$3,073
UtahNationwide$1,553$3,836$2,282
VermontConcord Group$1,312$1,854$541
VirginiaNationwide$1,323$2,913$1,590
WashingtonKemper$1,809$2,601$792
West VirginiaNationwide$1,601$3,401$1,800
WisconsinNationwide$1,280$2,897$1,617
WyomingAllstate$1,598$4,514$2,916

Cheapest Car Insurance for 18-Year-Old Teens

At 18, car insurance rates drop slightly but remain higher than those of more experienced drivers. The cheapest options for 18-year-old drivers are GEICO for family policies at $2,431 annually and State Farm for individual policies at $2,966.

See the chart below for more details on insurance rates for 18-year-olds:

Data filtered by:Results filtered by:
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Coverage:100/300/100 Full Cov. w/$1,000 Ded.
GEICO$2,431$3,594$1,163
Nationwide$2,476$4,332$1,856
Allstate$2,673$4,180$1,507
State Farm$2,716$2,966$250
Travelers$2,829$3,566$737
Farmers$3,062$6,124$3,062
Progressive$3,115$6,246$3,131
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Cheapest Car Insurance for 18-Year-Olds by State

Allstate is the most affordable insurance provider for 18-year-olds in 14 states, followed by GEICO and Nationwide. 

Your location can also significantly impact your teenager's car insurance costs. Rates for 18-year-olds vary greatly between states. Insurance companies may also offer state-specific discounts or have different eligibility criteria. Compare quotes from at least three providers in your state to find the best deal.

Data filtered by:Results filtered by:
Select
Gender:Male
Select
Coverage:100/300/100 w/ $1000 Deductible
AlabamaGEICO$1,177$2,303$1,125
AlaskaGEICO$1,727$2,609$882
ArizonaTravelers$1,576$2,411$834
ArkansasAllstate$1,342$4,191$2,849
CaliforniaState Farm$2,791$2,806$15
ColoradoKemper$1,082$4,774$3,692
ConnecticutGEICO$1,184$3,884$2,700
DelawareGEICO$2,212$3,756$1,544
District of ColumbiaGEICO$1,455$2,342$887
FloridaAllstate$4,014$12,560$8,546
GeorgiaAllstate$1,357$3,204$1,848
HawaiiState Farm$742$742$0
IdahoState Farm$1,152$1,386$234
IllinoisTravelers$1,618$3,135$1,517
IndianaGEICO$1,308$2,573$1,266
IowaAllstate$1,115$2,372$1,257
KansasNationwide$1,049$2,038$989
KentuckyAllstate$1,538$4,070$2,532
LouisianaState Farm$4,908$5,388$480
MaineConcord Group$944$1,394$450
MarylandProgressive$1,598$2,570$971
MassachusettsProgressive$1,165$4,860$3,695
MichiganGEICO$2,051$2,229$178
MinnesotaNationwide$1,735$3,445$1,710
MississippiProgressive$728$5,263$4,535
MissouriGEICO$1,244$5,552$4,308
MontanaProgressive$1,205$2,038$832
NebraskaAllstate$1,322$2,787$1,464
NevadaNationwide$2,183$4,406$2,223
New HampshireConcord Group$1,049$1,522$473
New JerseyGEICO$2,551$2,592$41
New MexicoAllstate$1,537$2,814$1,277
New YorkKemper$1,041$3,175$2,134
North CarolinaState Farm$1,205$1,269$64
North DakotaAllstate$1,109$3,673$2,565
OhioNationwide$1,127$2,490$1,362
OklahomaAllstate$1,713$4,064$2,351
OregonNationwide$1,421$3,475$2,054
PennsylvaniaNationwide$1,198$2,846$1,648
Rhode IslandState Farm$1,915$2,368$452
South CarolinaAuto-Owners$2,289$2,641$351
South DakotaAllstate$879$3,653$2,774
TennesseeAllstate$1,430$3,562$2,133
TexasNationwide$1,866$4,724$2,858
UtahNationwide$1,492$3,685$2,193
VermontConcord Group$1,207$1,705$498
VirginiaNationwide$1,229$2,706$1,478
WashingtonAllstate$1,652$4,581$2,929
West VirginiaAllstate$1,552$3,952$2,400
WisconsinGEICO$1,052$3,142$2,090
WyomingAllstate$1,240$3,501$2,261

Cheapest Car Insurance for 19-Year-Old Teens

Car insurance for 19-year-olds continues to decrease, though it's still higher than for older drivers. The cheapest full coverage options for 19-year-old drivers are Nationwide for family policies at $2,066 annually and State Farm for individual policies at $2,531.

Compare rates in the table below for car insurance for 19-year-olds:

Data filtered by:Results filtered by:
Select
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Nationwide$2,066$3,389$1,323
GEICO$2,168$2,631$462
Travelers$2,305$2,817$512
Allstate$2,326$2,899$573
State Farm$2,344$2,531$188
Progressive$2,845$3,473$627
Farmers$3,111$3,657$546

Cheapest Car Insurance for 19-Year-Olds by State

Nationwide offers the lowest premiums for 19-year-old drivers in 12 states. GEICO and Allstate have the most competitive rates in eight states.

Auto insurance premiums vary significantly from one state to another, so shop locally and compare. Use the table below to find the cheapest insurer in your state.

Data filtered by:Results filtered by:
Select
Gender:Male
Select
Coverage:100/300/100 w/ $1000 Deductible
AlabamaGEICO$1,535$1,871$336
AlaskaGEICO$1,540$1,838$298
ArizonaTravelers$1,422$1,953$531
ArkansasAllstate$1,475$2,564$1,089
CaliforniaGEICO$2,170$2,536$366
ColoradoKemper$1,386$4,070$2,685
ConnecticutGEICO$1,626$2,578$952
DelawareTravelers$1,667$5,230$3,563
District of ColumbiaGEICO$1,344$1,723$379
FloridaNationwide$3,687$5,028$1,342
GeorgiaAllstate$1,433$1,943$510
HawaiiState Farm$742$742$0
IdahoAuto-Owners$947$1,239$292
IllinoisAuto-Owners$1,503$1,855$351
IndianaGEICO$1,194$1,768$574
IowaAllstate$1,261$1,727$466
KansasNationwide$1,040$1,786$746
KentuckyAllstate$1,706$2,484$779
LouisianaState Farm$4,316$4,736$419
MaineConcord Group$856$1,194$338
MarylandProgressive$1,642$1,979$337
MassachusettsState Farm$797$1,179$383
MichiganGEICO$1,897$2,015$118
MinnesotaNationwide$1,691$2,958$1,267
MississippiProgressive$733$2,495$1,762
MissouriGEICO$1,131$3,244$2,113
MontanaProgressive$1,205$1,356$151
NebraskaAuto-Owners$1,442$2,111$669
NevadaNationwide$2,143$3,716$1,573
New HampshireConcord Group$974$1,329$355
New JerseyTravelers$2,354$3,077$723
New MexicoAllstate$1,584$2,189$605
New YorkKemper$1,066$2,279$1,212
North CarolinaProgressive$1,049$1,104$56
North DakotaNationwide$1,075$1,950$875
OhioNationwide$1,087$2,127$1,039
OklahomaAllstate$1,790$2,576$786
OregonNationwide$1,318$2,991$1,672
PennsylvaniaNationwide$1,101$2,097$997
Rhode IslandTravelers$1,556$5,069$3,512
South CarolinaAuto-Owners$1,927$2,241$314
South DakotaAllstate$1,051$1,757$705
TennesseeAuto-Owners$1,423$1,828$405
TexasState Farm$1,786$2,303$518
UtahNationwide$1,420$3,037$1,617
VermontState Farm$1,103$1,345$242
VirginiaNationwide$1,176$2,336$1,159
WashingtonCIG$1,721$1,739$19
West VirginiaNationwide$1,564$2,943$1,379
WisconsinNationwide$1,092$2,213$1,121
WyomingAllstate$1,326$2,128$802
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Cheapest Teenager Car Insurance: Buying Guide

To find the best insurance coverage for your needs, explore the following sections for guidance on choosing the right policy. This will help you determine the most affordable options based on your situation.

Average Cost of Car Insurance for a Teenager

The average cost of car insurance for a teen driver is $3,048 on a family policy and $4,866 on an individual policy. However, rates vary based on age, location, driving history, vehicle type, policy details, insurer and claims history.

Average Insurance Costs for a Teenager

male
Individual Policy

18-Year-Old

$4,866
house
Family Policy

18-Year-Old

$3,048
Premiums for family policies can expect:$1,818 saved

This is 37% less expensive.

Adding a teen driver to your family policy could save over a thousand dollars compared to getting them their own policy. However, in some cases, an individual policy may make more sense. For example, if the teen drives a high-performance or luxury vehicle with high insurance costs, an individual policy could prevent a significant increase in the family’s overall premium.

Cost of Insuring Teen Males vs. Females

Adding a male teen driver to your family policy costs about 13% more annually, or $362, than adding a female teen. Seven states don't use gender as a rating factor: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

Male teens are more expensive to insure because they're more likely to engage in risky driving and have higher accident rates than female teens.

Average Insurance Costs for 18-Year-Old Males vs. Females

female
Female

18-Year-Old

$2,686
male
Male

18-Year-Old

$3,048
Premiums for males are on average:$362 more

This is 13% more expensive.

How Age Affects Car Insurance Rates for Teens

Teen drivers face high premiums due to inexperience and increased risk on the road. However, rates gradually decrease as they gain more driving experience. Below is an overview of how age impacts auto insurance costs for teens:

  • 16-year-olds: Car insurance is costly due to limited experience and higher risk.
  • 17-year-olds: Insurance remains expensive but may decrease slightly with added experience.
  • 18-year-olds: Increased experience leads to modest premium reductions, with rates 10% to 20% cheaper than for 16-year-olds, though still high.
  • 19-year-olds: Insurance costs are higher than for older drivers but lower for younger teens.

Regardless of age, comparing quotes and coverage options from at least three providers helps secure the best deal.

How to Get Cheap Insurance for Teenage Drivers

Limiting teen drivers' driving hours and annual mileage can reduce car insurance costs. Keeping the car title in a parent’s or guardian’s name and having the teen complete a certified driving course can unlock additional discounts. Also, assigning teens to an affordable vehicle instead of a high-cost one can lower premiums further.

  1. 1

    Limit their driving distances

    Some companies offer discounts for drivers who drive less than 7,500 miles annually. Limiting teens' driving to daylight hours also reduces accident risk, which can help keep insurance costs down.

  2. 2

    Keep the car title in your name

    In some cases, putting your teen's name on the title may require them to get their own insurance, which is usually more expensive.

    If your teen is under 18 and owns a car, most states require the title to include a parent or guardian, even if the teen paid for the vehicle. Teens under 18 can't legally purchase car insurance, but a parent or guardian can buy or co-sign a separate policy for them.

  3. 3

    Have your teen take a driving course

    Some companies offer discounts to teens who complete certified driver's education programs. Opting for usage-based telematics can also help you save if your teen drives safely.

  4. 4

    Have them drive an inexpensive car

    Having a teen driver use a cheaper car model can significantly reduce insurance premiums. Cheaper vehicles are less expensive to repair or replace, which lowers the insurer's potential payout in case of an accident.

  5. 5

    Ask your insurance agent to assign your teen to the cheapest car

    Some companies may automatically assign the highest-cost driver, usually a teen, to the most expensive vehicle, increasing costs. To avoid this, it's worth specifying which car should be assigned to them.

  6. 6

    Opt for a family car insurance policy

    Insurance companies often offer multi-car and multi-driver discounts, which can lower the overall premium by up to 20%. This bundled approach also simplifies management with one renewal date and one payment. An individual teen policy costs an average of $4,866 annually, while adding a teen to a family policy averages $3,048.

Car Insurance Discounts for Teens

Teens can reduce insurance costs with various discounts. Many providers, including Erie, State Farm, Allstate and GEICO, offer special discounts for teen drivers. Whether your teen has their own policy or is added to the family’s, these discounts can help manage the costs of insuring young drivers while encouraging safe and responsible driving.

Many insurers offer discounts for good grades, completing approved driving courses and safe driving habits tracked through telematics. College students may qualify for distant student discounts and stay on a family policy if their permanent address is their family home.

Discount
How It Works

Good student discount

Offers savings to students who maintain a certain GPA or rank in the top percentage of their class

Defensive driving discount

Rewards drivers who complete a certified defensive driving course

Safe driver discount

Reduces rates for drivers with no at-fault accidents or traffic violations for a certain period

Distant driver discount

Discounts for students who attend school far from home — usually at least 100 miles away — and don't drive the insured vehicle often

Telematics-based programs

Rates based on driving behavior monitored by a device or app (such as Allstate's teenSMART and State Farm's Steer Clear), rewarding safe driving habits

Multi-car discount

Savings for households insuring multiple vehicles on the same policy

Annual mileage discount

Reduces rates for drivers who drive below a certain number of miles (usually 7,500) annually

Family policy discount

Significant savings when adding a teen driver to a parent or guardian's existing policy instead of a separate one

Driver's education discount

Rewards teen drivers who complete a certified driver's education program

In addition to discounts, opting for no-down-payment car insurance can provide affordable coverage with a low upfront cost. You must pay at least the first month’s premium to activate the policy.

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Cars With Lowest Insurance Rates for Teenage Drivers

The Subaru Forester is the cheapest car to insure for drivers aged 16 to 19 based on the latest models and full coverage policies.

Teenagers are often considered high-risk drivers, so choosing a car that's cheaper to insure can significantly lower premiums. Vehicles rated high for safety can reduce costs, while expensive, fast cars may increase them.

Explore the Insurance Institute for Highway Safety's safety ratings. Also, use the table below to find the cheapest car models to insure based on the teen driver’s age and coverage level.

Data filtered by:Results filtered by:
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Coverage:Full Coverage
Select
Age:16
Subaru Forester$5,777
Subaru Outback$5,853
MINI Cooper$5,958
Honda CR-V$5,996
Mazda CX-5$6,099

Cheapest Car Insurance for Teens: Bottom Line

You can save on your teen's car insurance by comparing top providers like State Farm, GEICO and Nationwide. They offer excellent policies at competitive prices, along with discounts for good grades, safe driving and family policies. Choosing cars with high safety ratings and maintaining a clean driving record can further reduce premiums and help you secure enough coverage without overspending.

Teen Car Insurance: FAQ

MoneyGeek answers the most common questions about finding the cheapest car insurance for teens.

Which insurance companies offer the most affordable rates for teen drivers?

Why are car insurance premiums higher for teen drivers?

How can teen drivers earn discounts on car insurance?

Can a teen driver get an insurance policy?

Are there benefits to choosing a specific type of car for a teen driver?

Should you consider telematics for your teen driver?

Ask the experts:

How can parents and teens budget for the extra expense of car insurance?

Graduate Program Chair in the Department of Finance and Economics at Pace University

Car insurance is an expensive purchase, but it may be reduced by keeping teens on their parent's policy rather than having their own policy. Part of the reason is you are effectively purchasing in bulk. Most insurance firms also offer a good student discount, providing another reason for teens to do well in school.

Graduate Program Chair in the Department of Finance and Economics at Pace University

Teens can often take defensive driving courses to lower their car insurance rates. Other ways to budget and save money include bundling insurance policies (e.g., getting a teen’s car insurance from the parents’ homeowners’ insurance provider), getting good grades, setting higher deductibles in order to lower premiums, and getting quotes from multiple providers.

Graduate Program Chair in the Department of Finance and Economics at Pace University

Buying a car for a teenager can be an expensive proposition because they do not have any credit or driving history. In such a situation, parents and teens need to keep a few important things in mind. First, certain insurance providers offer discounts for taking driver education programs/public safe-driving courses, which can offset the cost of higher insurance, second, if a teen has good grades in school then that can enable them to qualify for a discount from the insurance company, third, in certain cases, used cars do not mandate additional insurance coverage, which is required for new cars, and therefore insurance for used cars might be likely lower, and fourth, many insurance companies will rate drivers based on their driving tendencies by installing a device into their car that tracks daily mileage, hard braking, rapid acceleration, and what time the teen is driving the car (whether at day or night). There are other ways to budget and save for car insurance- such as increasing your deductible which can result in a lower monthly payment, and special discounts for serving in the military. Lastly, it is important to also be on the lookout for cheaper car insurance policies at all times by being a smart and discerning shopper.

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Best and Cheapest Auto Insurance for First-Time Drivers: Methodology

Study Overview

MoneyGeek gathered quote data to determine the cheapest car insurance for teens by age.

Data Acquisition, Depth and Analysis

We collected data from Quadrant Information Services and state insurance departments. MoneyGeek analyzed 83,056 quotes from 46 companies across 473 ZIP codes.

Driver Profiles

The sample profile used for rate collection includes:

  • 100/300/100 liability limits
  • Comprehensive and collision coverages
  • $1,000 deductible
  • No history of tickets or accidents
  • 2010 Toyota Camry LE

We adjusted this profile by age to compare rates for 16, 17, 18 and 19-year-olds. We also modified it by gender to analyze rate differences and by vehicle (Ford Mustang) to compare insurance prices for teens by car.

Coverages and Deductibles Explained

A deductible is an amount paid out of pocket before certain coverages, like collision and comprehensive, apply.

A 100/300/100 policy includes:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

Learn more about MoneyGeek's Methodology

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

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