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Cheapest Car Insurance For 18 Year Olds – We calculated the cost of car insurance for people over the age of 18 using rates from Quadrant Information Services. Our data experts analyze the cost of every zip code in all 50 states including Washington, DC. for a 2017 Toyota Camry LE driven 10,000 miles a year. The following fees apply to insurance with the following restrictions:
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Cheapest Car Insurance For 18 Year Olds
The average cost of car insurance for 18 years is $411 per month. This works out to $4,931 per year, which is $3,279 more than the average cost of insurance for seniors (drivers ages 30, 35, and 45).
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While rates are higher for people over 18, young drivers can still find cheap car insurance by comparing rates from different companies. For example, the COUNTRY Budget Rate for an 18-year-old at $209 a month is 49% cheaper than the average for drivers of that age.
Many companies under 18 car insurance rates are not national service providers, including COUNTRY. However, we have found that there are still affordable rates from USAA, State Farm, and GEICO, which offer auto insurance in almost every state.
How we score reviews: Ratings are determined by our editorial team. Our process takes many factors into account, including cost, financial metrics, customer service, and other unique features.
The cheapest car insurance for an 18 year old driver is NATIONAL. On average, COUNTRY 18-year-olds earn $2,419 less a year than the average for their age group – nearly half the national average.
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COUNTRY is also the best insurance company for drivers who are 18 years old thanks to its discounts. In addition to the most comprehensive policies and discounts, COUNTRY offers many other cost-saving options especially for young drivers, including:
According to the National Association of Insurance Commissioners, there are few complaints in the country. JD Power also recognized COUNTRY as one of the top insurance companies in the Midwest in its 2021 Auto Insurance Study.
The best general car insurance for 18-year-olds is GEICO, which has the highest price of all the cheapest companies.
GEICO has the lowest auto insurance rates for under 18s in 13 states. After GEICO, USAA is the cheapest company in 12 states. And COUNTRY is the cheapest company for people over 18 in Illinois and Oregon.
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Depending on where you live, the cheapest plans available for children under 18 range from $74 to $321 per month.
Hawaii has the lowest car insurance for 18-year-olds of any state because insurance companies are not allowed to set rates based on age.
Louisiana is the most expensive state for 18-year-old drivers, with car insurance averaging $748 per month for 18-year-olds in the Pelican State.
In most states, your rate depends on the gender listed on your driver’s license. Car insurance for men aged 18 is, on average, more expensive than female drivers with the same profile.
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On average, male drivers pay $439 per month – $56 more than their female counterparts.
The difference in car insurance rates for male and female drivers who are 18 years old among the smallest companies is the smallest among the insurance groups affiliated with the Farm Company. At Farm Center, male drivers only pay $4 more a month for medical coverage.
Car insurance costs are cheaper for 18-year-olds than 16-year-olds, but the average 18-year-old pays 198% more than 30-, 35- and 45-year-olds.
Car insurance rates for 18-year-olds are higher for older drivers because they are more likely to drive recklessly, get tickets, cause accidents and file claims than experienced drivers.
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According to the Department of Transportation, between 2011 and 2020, 18-year-old drivers were behind the wheel in 9,500 fatal crashes. Because of this, younger drivers pay more for insurance than older drivers. [1]
But as long as 18-year-olds keep their driving records clean, their rates will drop with age, rising until age 25 when they leave that age group at the highest risk.
Insurance rates for 18-year-olds are higher than average, but still cheaper than insurance for young drivers. 18-year-olds’ insurance costs $1,848 less per year compared to 16-year-olds. Between the ages of 16 and 18, the cost of car insurance drops by 37%.
But compared to drivers with little experience behind the wheel, insurance for 18-year-olds is still more expensive. Our analysis shows that the average annual price for 21-year-olds is $2,223 cheaper than for 18-year-olds – a difference of 45%.
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It is legal for 18-year-olds to have their own auto insurance. Unlike teenage drivers, who are legally minors, 18-year-olds can purchase insurance without the consent of a parent or legal guardian.
However, if you have an 18-year-old driver in your family, it’s better to include them in your existing policy than to buy their own insurance. Most companies require you to list all driver’s licenses on your policy. Adding a youth driver to your policy will increase your premiums, but it will likely be cheaper than buying your own policy.
But 18-year-olds who don’t live at home and own their own cars need their rights. One exception is if they don’t live on campus – many companies offer discounts to families whose students live on campus without a car.
It is very expensive to provide car insurance to an 18 year old. But it is also cheaper to put young drivers into an insurance plan than for them to take out their policy.
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Car insurance for 18-year-olds is expensive, but it’s still possible to find affordable coverage. You can avoid paying too much for youth insurance by:
If you are looking for cheap car insurance for 18 years, the most reliable way to make sure you get the lowest price is to shop around and compare offers from more than one company. insurance in your area.
According to our analysis, the average cost of insurance for 18-year-olds is $411 per month, or $4,931 per year. Eighteen-year-old male drivers pay $439 per month, while the average cost of car insurance for female drivers is $383 per month.
Budget COUNTRY is the best car insurance for 18-year-olds. Country coverage for 18-year-olds is about $209 per month – the lowest of all doctors considered. The CITY also offers discounts that can help young drivers lower their costs.
Can A 17 Year Old Get Their Own Car Insurance?
While car insurance is cheaper for 18-year-olds than 16-year-olds, it can be more expensive for new drivers, regardless of age. This is because insurance companies set rates based on driving history. Without a license, the price will be expensive until you have more experience.
Yes, you can buy car insurance at age 18. It’s cheaper to join an existing insurance policy when possible, but 18-year-olds can cancel their own car insurance without parental permission because they he is no longer a child.
Use external sources including government data, market research and popular media organizations to support business intelligence and internal intelligence. Learn more about how we use and review external sources as part of our editorial process.
Andrew Hurst is a Senior Editor and Licensed Driving Expert. 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 is a financial advisor, life and health insurance agent in California and a member of the Financial Advisory Council. Editor’s Note: This content was researched and developed by a team of experts at . The links in this article may make us money but have no influence on our advice or recommendations. Learn more
Adulthood begins at 18. They are eligible to vote, can open their own lines of credit, and own cars in most states. Whether you’re new to car insurance or looking for a cheaper policy, car insurance for 18-year-olds can be expensive.
We look at the average cost, then check out ways to save money on insurance and which companies have the best car insurance in the industry.
When you’re ready to compare car insurance for 18-year-old drivers, enter your zip code above or call our team at (844) 246-8209 for a free, personalized quote, seven days a week.
How To Get Cheap Car Insurance
At, we are committed to providing car owners with the quality research and fact-checking information they need to make an auto insurance decision. Our team evaluates vendors and customer reviews so you can make the best choice.
Because 18-year-old drivers do not have much driving experience, these drivers are considered high-risk drivers. Young men tend to file more claims than older drivers, so car insurance companies raise rates for this age group.
According to the Zebra State of Auto Insurance survey, the average car insurance policy for an 18-year-old is about $4,700 a year, or almost $400 a month. The same study talked about the savings that 18-year-olds could make by living with their parents without getting their own insurance — about $2,600.
It is an understandable fact that those
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