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      Powered by Coverage.com (NPN: 19966249)

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      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Car insurance for teen drivers

      Written by
      Mary Van Keuren
      Edited by
      Lisa McArdle
      Reviewed by
      Mark Friedlander
      Mark Friedlander
      Edited by
      Lisa McArdle
      Lisa McArdle
      Reviewed by
      Mark Friedlander
      Mark Friedlander
      Updated Apr 07, 2025
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      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
      Insurance disclosure

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      On This Page

      Key takeaways

      • Geico, Nationwide, Progressive, State Farm and Travelers are some of the best car insurance companies for teens, according to our research.
      • Parents adding a 16-year-old to their policy experience the highest average rates, with an average annual full coverage premium of $5,970 for a male teen and $5,565 for a female teen.
      • Massachusetts and Hawaii generally have the lowest average rates for teen drivers, likely because they don’t allow age as a rating factor. New York, Florida and Louisiana tend to have the highest average rates.

      Best car insurance for teen drivers

      We chose thebest car insurance companies for teens by analyzing factors specific to teen drivers. First, we researched average auto insurance rates pulled from Quadrant Information Services. Price is far from the only factor to consider when insuring a teen, though, especially when you know teens aremore likely than any other age group to get into accidents. To that end, we also looked into coverage options, teen-specific discounts, safe driving programs and third-party scores for each insurer. Because we know that accidents do sometimes happen, we also analyzed 2023claims satisfaction scores from J.D. Power.

      We compiled these factors to create a Bankrate Score for each company, calculated on a scale of 0.0 to 5.0. The higher a company scored, the higher that carrier ranked in the individual categories. Our Bankrate Score can help you understand a company’s overall profile when shopping for teen car insurance.

      It is helpful to know that, while your age factors into your car insurance premium in most states, Hawaii and Massachusetts prohibit this practice. Similarly, in California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania, car insurance companies are prohibited from using gender as a rating factor.

      4.4
      Rating: 4.4 stars out of 5
      4.3
      Rating: 4.3 stars out of 5
      4.3
      Rating: 4.3 stars out of 5
      4.1
      Rating: 4.1 stars out of 5
      4.0
      Rating: 4 stars out of 5
      $1,532
      $4,547
      $1,165
      $4,069
      $1,864
      $5,274
      $1,179
      $4,187
      $1,218
      $3,325
      Rates reflect 16- to 19-year-old drivers added to their married parents' policy.

      Why we picked this carrier:

      Geico tied for a 2024 Bankrate Award for Best Auto Insurance Company Overall. For those looking to save money on their insurance, Geico was also given the Bankrate Award for Best Budget Auto Insurance Company and, further, was noted as Best Insurer for Young Drivers. It scored highest in the financial strength and technology categories, thanks to its easy-to-use mobile app and online portal, which earned high marks in J.D. Power's Digital Experience Study for service. Geico offers a wide range of discounts, including savings for good students and young drivers who take a driver education course. Belonging to certain fraternities, sororities or honor societies can also help a young driver get cheap car insurance rates on their parents’ policy.

      Checkmark IconPros

      • Comprehensive website and mobile app with easy access to a customer service representative
      • Lower average premium for high-risk drivers

      Close X IconCons

      • Other insurance lines may be written by third parties
      • Coverage add-on options limited

      • Geico average car insurance premiums for teens added to their parents’ policy

        AgeAverage annual premium for minimum coverage*Average annual premium for full coverage*
        16$1,342$4,618
        17$1,226$4,259
        18$1,124$3,951
        19$966$3,448
        *Rates reflect the total cost of two adult drivers, one teen and one vehicle
        Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
        Auto Car New Icon
        Rates refreshed as of Apr 2025
        Read our full methodology

      Why we picked this carrier:

      Drivers of all ages can participate in Progressive's Snapshot program to potentially earn cheaper premiums. This program tracks your driving habits and rewards you for safe practices. If your teen is a safe driver, this program may be a great way to lower your family’s car insurance premiums. Progressive also offers teen driver, good student and distant student discounts. In 2024, Progressive was given a Bankrate Award for Best Auto Insurance Company for High-Risk Drivers, so if your teen driver has marks on their license, the carrier may be worth considering.

      Checkmark IconPros

      • Several options for digital policy management
      • Several discounts available

      Close X IconCons

      • Telematics programs can actually raise rates for unsafe driving
      • Below-average score for J.D. Power claims satisfaction

      • Progressive average car insurance premiums for teens added to their parents’ policy

        AgeAverage annual premium for minimum coverage*Average annual premium for full coverage*
        16$1,719$4,966
        17$1,676$4,881
        18$1,453$4,369
        19$1,280$3,972
        *Rates reflect the total cost of two adult drivers, one teen and one vehicle
        Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
        Auto Car New Icon
        Rates refreshed as of Apr 2025
        Read our full methodology

      Why we picked this carrier:

      State Farm tied with Progressive for the second-highest Bankrate Score on our list. The company scored highest in the financial strength and technology categories. If you’re looking for a financially stable provider with a top-notch mobile app and online portal, you may want to consider State Farm. Like many other car insurance companies, State Farm offers a good student discount in certain states, but the requirements vary by location. Also, participating in the Steer Clear program is another way for young adults under 25 to save as much as 20 percent on car insurance premiums if they demonstrate safe driving habits. For young drivers who prefer managing their policy digitally, it's worth noting that State Farm scores above average for both service and shopping in J.D. Power's Digital Experience Study.

      Checkmark IconPros

      • High customer satisfaction and financial strength scores
      • Savings options tailored for younger drivers

      Close X IconCons

      • Certain discounts may not be available in all states
      • No live chat option

      • State Farm average car insurance premiums for teens added to their parents’ policy

        AgeAverage annual premium for minimum coverage*Average annual premium for full coverage*
        16$2,113$5,878
        17$1,941$5,414
        18$1,799$5,094
        19$1,602$4,708
        *Rates reflect the total cost of two adult drivers, one teen and one vehicle
        Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
        Auto Car New Icon
        Rates refreshed as of Apr 2025
        Read our full methodology

      Why we picked this carrier:

      Travelers offers car insurance in 42 states plus Washington, D.C. and it can be worth considering if you want a robust policy that can be customized to the needs of you and your family. They also have a generous handful of discounts that may lower your premium, including safe driver, good student and student away from school. Young drivers who complete an approved driver education course may also earn a discount. If top-notch customer service is important to you, you may want to know that Travelers scored below average on J.D. Power's 2023 Auto Claims Satisfaction Study.

      Checkmark IconPros

      • Robust coverage options allow for customization
      • Generous discount options

      Close X IconCons

      • Not available in all 50 states
      • Below average claims satisfaction ranking

      • Travelers average car insurance premiums for teens added to their parents’ policy

        AgeAverage annual premium for minimum coverage*Average annual premium for full coverage*
        16$1,385$4,782
        17$1,256$4,399
        18$1,120$4,032
        19$954$3,536
        *Rates reflect the total cost of two adult drivers, one teen and one vehicle
        Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
        Auto Car New Icon
        Rates refreshed as of Apr 2025
        Read our full methodology

      Why we picked this carrier:

      Nationwide has a presence in 46 states and Washington, D.C., and if you are in a location where it writes policies, you may want to consider it for its diverse coverage options and unusual features such as a vanishing deductible, which gives you a $100 credit toward your deductible for every year you are accident-free. Nationwide offers a few discounts that may be of interest to families with a teen driver, including one for students aged 16-24 who maintain a B or better average at school, as well as a safe driver discount if all drivers named on the policy remain free of at-fault accidents for five years or more. The company's telematics program, called SmartRide, may also help young drivers save money, especially since the program cannot potentially increase your rate for poor driving habits.

      Checkmark IconPros

      • 10 advertised discounts
      • SmartMiles program available for low-mileage drivers

      Close X IconCons

      • Below average rating from J.D. Power for auto claims satisfaction
      • Not available in all 50 states

      • Nationwide average car insurance premiums for teens added to their parents’ policy

        AgeAverage annual premium for minimum coverage*Average annual premium for full coverage*
        16$1,394$3,751
        17$1,266$3,443
        18$1,191$3,281
        19$1,022$2,825
        *Rates reflect the total cost of two adult drivers, one teen and one vehicle
        Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
        Auto Car New Icon
        Rates refreshed as of Apr 2025
        Read our full methodology

      Average cost of car insurance for teen drivers

      The average cost of car insurance varies for male and female young drivers, with female teen drivers generally paying less than males. Keep in mind, however, that Hawaii and Massachusetts ban the use of age to calculate car insurance premiums. Additionally, California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania prohibit using gender as a rating factor.

      Female drivers typically pay less than their male peers since male drivers are seen as riskier to insure. Studies show thatmales speed more and generally exhibit more risky behavior behind the wheel than female drivers. Teenage drivers and young adults also have thehighest cell phone usage of all age groups, which may increase the risk of causing an accident or getting a ticket due to distracted driving.

      Cost of car insurance for teens on their parents’ policy

      As we noted above, the teenage car insurance average per month is generally on the high side. One factor that can bring the overall cost of car insurance for teens down is to remainon their parents' policy until they leave home and establish their own residence.

      Here is the average annual premium for full coverage car insurance for teen drivers, both males and females, added to their parents’ policy:

      AgeMale*Female*
      16$5,970$5,565
      17$5,559$5,141
      18$5,158$4,778
      19$4,552$4,176
      *Rates reflect the total cost for two adult drivers, one teen and one vehicle
      Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
      Auto Car New Icon
      Rates refreshed as of Apr 2025
      Read our full methodology

      Cost of car insurance for teens on their own policy

      If you compare the rates for teens with their own policy against the rates of teens on their parents' policy in the table above, it becomes clear that savings generally lie in remaining on the parents' policy even after the teen turns 18, when possible.

      AgeMale*Female*
      18$7,715$7,050
      19$6,296$5,659
      *Teens under 18 can’t purchase their own car insurance policies in most circumstances.
      Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
      Auto Car New Icon
      Rates refreshed as of Apr 2025
      Read our full methodology

      Car insurance rates generally decrease as drivers get older and gain more experience behind the wheel. By maintaining a clean driving record and taking advantage of discounts, teenage drivers can typically expect lower car insurance costs over time.

      Average car insurance costs for teen drivers by state

      The state where you live also affects your auto insurance premium, as illustrated in the table below. Massachusetts and Hawaii are the cheapest states for teen drivers of all four ages, which makes sense because these states don’t permit age as a rating factor. However, Massachusetts is allowed to factor in years of driving experience in lieu of age.

      New York, Louisiana, Florida, Michigan and Nevada have the most expensive average rates for car insurance when adding a young driver to their parents’ policy.

      These rates are based on the top insurers in the country and are for full coverage car insurance for teens added to their parents’ policy and thus reflect added cost and not the total cost.

      Age 16*
      $4,596
      Age 17*
      $4,195
      Age 18*
      $3,772
      Age 19*
      $3,249
      Age 16*
      $4,914
      Age 17*
      $4,593
      Age 18*
      $4,373
      Age 19*
      $4,124
      Age 16*
      $6,013
      Age 17*
      $5,504
      Age 18*
      $5,027
      Age 19*
      $4,667
      Age 16*
      $4,857
      Age 17*
      $4,529
      Age 18*
      $4,191
      Age 19*
      $3,844
      Age 16*
      $6,967
      Age 17*
      $6,476
      Age 18*
      $6,120
      Age 19*
      $4,659
      Age 16*
      $6,633
      Age 17*
      $6,153
      Age 18*
      $5,738
      Age 19*
      $5,449
      Age 16*
      $5,612
      Age 17*
      $5,087
      Age 18*
      $4,643
      Age 19*
      $4,073
      Age 16*
      $5,734
      Age 17*
      $5,407
      Age 18*
      $4,948
      Age 19*
      $4,577
      Age 16*
      $8,182
      Age 17*
      $7,607
      Age 18*
      $7,193
      Age 19*
      $6,272
      Age 16*
      $6,369
      Age 17*
      $5,927
      Age 18*
      $5,441
      Age 19*
      $4,938
      Age 16*
      $1,744
      Age 17*
      $1,745
      Age 18*
      $1,744
      Age 19*
      $1,745
      Age 16*
      $3,107
      Age 17*
      $2,772
      Age 18*
      $2,598
      Age 19*
      $2,366
      Age 16*
      $5,261
      Age 17*
      $4,711
      Age 18*
      $4,371
      Age 19*
      $4,249
      Age 16*
      $3,681
      Age 17*
      $3,302
      Age 18*
      $3,070
      Age 19*
      $2,817
      Age 16*
      $3,530
      Age 17*
      $3,277
      Age 18*
      $3,045
      Age 19*
      $2,851
      Age 16*
      $5,297
      Age 17*
      $4,886
      Age 18*
      $4,483
      Age 19*
      $4,043
      Age 16*
      $5,596
      Age 17*
      $5,306
      Age 18*
      $4,854
      Age 19*
      $4,438
      Age 16*
      $8,768
      Age 17*
      $8,080
      Age 18*
      $7,199
      Age 19*
      $6,314
      Age 16*
      $3,619
      Age 17*
      $3,345
      Age 18*
      $3,079
      Age 19*
      $2,818
      Age 16*
      $6,280
      Age 17*
      $5,911
      Age 18*
      $5,564
      Age 19*
      $4,891
      Age 16*
      $4,547
      Age 17*
      $4,216
      Age 18*
      $4,000
      Age 19*
      $3,263
      Age 16*
      $6,782
      Age 17*
      $6,407
      Age 18*
      $6,058
      Age 19*
      $5,804
      Age 16*
      $5,423
      Age 17*
      $4,909
      Age 18*
      $4,499
      Age 19*
      $3,961
      Age 16*
      $4,407
      Age 17*
      $4,052
      Age 18*
      $3,745
      Age 19*
      $3,328
      Age 16*
      $5,750
      Age 17*
      $5,296
      Age 18*
      $4,862
      Age 19*
      $4,434
      Age 16*
      $5,019
      Age 17*
      $4,711
      Age 18*
      $4,435
      Age 19*
      $3,947
      Age 16*
      $4,682
      Age 17*
      $4,347
      Age 18*
      $4,011
      Age 19*
      $3,628
      Age 16*
      $7,605
      Age 17*
      $6,941
      Age 18*
      $6,477
      Age 19*
      $5,977
      Age 16*
      $3,774
      Age 17*
      $3,472
      Age 18*
      $3,145
      Age 19*
      $2,722
      Age 16*
      $6,152
      Age 17*
      $5,874
      Age 18*
      $5,631
      Age 19*
      $5,180
      Age 16*
      $4,439
      Age 17*
      $4,019
      Age 18*
      $3,655
      Age 19*
      $3,276
      Age 16*
      $7,630
      Age 17*
      $7,471
      Age 18*
      $7,059
      Age 19*
      $6,278
      Age 16*
      $4,545
      Age 17*
      $3,572
      Age 18*
      $3,283
      Age 19*
      $2,543
      Age 16*
      $3,643
      Age 17*
      $3,332
      Age 18*
      $3,021
      Age 19*
      $2,740
      Age 16*
      $4,147
      Age 17*
      $3,808
      Age 18*
      $3,521
      Age 19*
      $3,144
      Age 16*
      $5,510
      Age 17*
      $5,085
      Age 18*
      $4,781
      Age 19*
      $4,374
      Age 16*
      $4,858
      Age 17*
      $4,322
      Age 18*
      $3,931
      Age 19*
      $3,839
      Age 16*
      $5,497
      Age 17*
      $5,111
      Age 18*
      $4,616
      Age 19*
      $4,074
      Age 16*
      $6,853
      Age 17*
      $6,331
      Age 18*
      $5,788
      Age 19*
      $4,953
      Age 16*
      $4,373
      Age 17*
      $3,937
      Age 18*
      $3,608
      Age 19*
      $3,203
      Age 16*
      $3,798
      Age 17*
      $3,574
      Age 18*
      $3,331
      Age 19*
      $3,147
      Age 16*
      $4,889
      Age 17*
      $4,551
      Age 18*
      $4,061
      Age 19*
      $3,509
      Age 16*
      $5,441
      Age 17*
      $5,120
      Age 18*
      $4,728
      Age 19*
      $4,262
      Age 16*
      $5,312
      Age 17*
      $4,746
      Age 18*
      $4,301
      Age 19*
      $3,770
      Age 16*
      $3,693
      Age 17*
      $3,403
      Age 18*
      $3,054
      Age 19*
      $2,708
      Age 16*
      $5,242
      Age 17*
      $4,788
      Age 18*
      $4,400
      Age 19*
      $3,879
      Age 16*
      $4,327
      Age 17*
      $4,088
      Age 18*
      $3,745
      Age 19*
      $3,086
      Age 16*
      $4,576
      Age 17*
      $4,253
      Age 18*
      $3,929
      Age 19*
      $3,442
      Age 16*
      $4,052
      Age 17*
      $3,766
      Age 18*
      $3,438
      Age 19*
      $3,069
      Age 16*
      $3,683
      Age 17*
      $3,496
      Age 18*
      $3,262
      Age 19*
      $2,795
      Age 16*
      $6,069
      Age 17*
      $5,531
      Age 18*
      $5,180
      Age 19*
      $4,783
      Age 16*
      $6,633
      Age 17*
      $6,153
      Age 18*
      $5,738
      Age 19*
      $5,449
      Age 16*
      $5,612
      Age 17*
      $5,087
      Age 18*
      $4,643
      Age 19*
      $4,073
      Age 16*
      $5,734
      Age 17*
      $5,407
      Age 18*
      $4,948
      Age 19*
      $4,577
      Age 16*
      $8,182
      Age 17*
      $7,607
      Age 18*
      $7,193
      Age 19*
      $6,272
      Age 16*
      $6,369
      Age 17*
      $5,927
      Age 18*
      $5,441
      Age 19*
      $4,938
      Age 16*
      $1,744
      Age 17*
      $1,745
      Age 18*
      $1,744
      Age 19*
      $1,745
      Age 16*
      $3,107
      Age 17*
      $2,772
      Age 18*
      $2,598
      Age 19*
      $2,366
      Age 16*
      $5,261
      Age 17*
      $4,711
      Age 18*
      $4,371
      Age 19*
      $4,249
      Age 16*
      $3,681
      Age 17*
      $3,302
      Age 18*
      $3,070
      Age 19*
      $2,817
      Age 16*
      $3,530
      Age 17*
      $3,277
      Age 18*
      $3,045
      Age 19*
      $2,851
      Age 16*
      $5,297
      Age 17*
      $4,886
      Age 18*
      $4,483
      Age 19*
      $4,043
      Age 16*
      $5,596
      Age 17*
      $5,306
      Age 18*
      $4,854
      Age 19*
      $4,438
      Age 16*
      $8,768
      Age 17*
      $8,080
      Age 18*
      $7,199
      Age 19*
      $6,314
      Age 16*
      $3,619
      Age 17*
      $3,345
      Age 18*
      $3,079
      Age 19*
      $2,818
      Age 16*
      $6,280
      Age 17*
      $5,911
      Age 18*
      $5,564
      Age 19*
      $4,891
      Age 16*
      $4,547
      Age 17*
      $4,216
      Age 18*
      $4,000
      Age 19*
      $3,263
      Age 16*
      $6,782
      Age 17*
      $6,407
      Age 18*
      $6,058
      Age 19*
      $5,804
      Age 16*
      $5,423
      Age 17*
      $4,909
      Age 18*
      $4,499
      Age 19*
      $3,961
      Age 16*
      $4,407
      Age 17*
      $4,052
      Age 18*
      $3,745
      Age 19*
      $3,328
      Age 16*
      $5,750
      Age 17*
      $5,296
      Age 18*
      $4,862
      Age 19*
      $4,434
      Age 16*
      $5,019
      Age 17*
      $4,711
      Age 18*
      $4,435
      Age 19*
      $3,947
      Age 16*
      $4,682
      Age 17*
      $4,347
      Age 18*
      $4,011
      Age 19*
      $3,628
      Age 16*
      $7,605
      Age 17*
      $6,941
      Age 18*
      $6,477
      Age 19*
      $5,977
      Age 16*
      $3,774
      Age 17*
      $3,472
      Age 18*
      $3,145
      Age 19*
      $2,722
      Age 16*
      $6,152
      Age 17*
      $5,874
      Age 18*
      $5,631
      Age 19*
      $5,180
      Age 16*
      $4,439
      Age 17*
      $4,019
      Age 18*
      $3,655
      Age 19*
      $3,276
      Age 16*
      $7,630
      Age 17*
      $7,471
      Age 18*
      $7,059
      Age 19*
      $6,278
      Age 16*
      $4,545
      Age 17*
      $3,572
      Age 18*
      $3,283
      Age 19*
      $2,543
      Age 16*
      $3,643
      Age 17*
      $3,332
      Age 18*
      $3,021
      Age 19*
      $2,740
      Age 16*
      $4,147
      Age 17*
      $3,808
      Age 18*
      $3,521
      Age 19*
      $3,144
      Age 16*
      $5,510
      Age 17*
      $5,085
      Age 18*
      $4,781
      Age 19*
      $4,374
      Age 16*
      $4,858
      Age 17*
      $4,322
      Age 18*
      $3,931
      Age 19*
      $3,839
      Age 16*
      $5,497
      Age 17*
      $5,111
      Age 18*
      $4,616
      Age 19*
      $4,074
      Age 16*
      $6,853
      Age 17*
      $6,331
      Age 18*
      $5,788
      Age 19*
      $4,953
      Age 16*
      $4,373
      Age 17*
      $3,937
      Age 18*
      $3,608
      Age 19*
      $3,203
      Age 16*
      $3,798
      Age 17*
      $3,574
      Age 18*
      $3,331
      Age 19*
      $3,147
      Age 16*
      $4,889
      Age 17*
      $4,551
      Age 18*
      $4,061
      Age 19*
      $3,509
      Age 16*
      $5,441
      Age 17*
      $5,120
      Age 18*
      $4,728
      Age 19*
      $4,262
      Age 16*
      $5,312
      Age 17*
      $4,746
      Age 18*
      $4,301
      Age 19*
      $3,770
      Age 16*
      $3,693
      Age 17*
      $3,403
      Age 18*
      $3,054
      Age 19*
      $2,708
      Age 16*
      $5,242
      Age 17*
      $4,788
      Age 18*
      $4,400
      Age 19*
      $3,879
      Age 16*
      $4,327
      Age 17*
      $4,088
      Age 18*
      $3,745
      Age 19*
      $3,086
      Age 16*
      $4,576
      Age 17*
      $4,253
      Age 18*
      $3,929
      Age 19*
      $3,442
      Age 16*
      $4,052
      Age 17*
      $3,766
      Age 18*
      $3,438
      Age 19*
      $3,069
      Age 16*
      $3,683
      Age 17*
      $3,496
      Age 18*
      $3,262
      Age 19*
      $2,795
      Age 16*
      $6,069
      Age 17*
      $5,531
      Age 18*
      $5,180
      Age 19*
      $4,783
      *Rates reflect the total cost for two adult drivers, one teen and one vehicle. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
      Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
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      Rates refreshed as of Apr 2025
      Read our full methodology

      How rates are determined for teen drivers

      Car insurance companies considerseveral factors when determining teen car insurance rates. A few of the main considerations include:

      • Car make and model: Your vehicle'smake and model is likely to impact your rate for several reasons. High-tech computerized features may be expensive to repair, and thus tend to increase rates. At the same time, however, sophisticated safety elements may mean you're less likely to have an accident — and that could decrease your rate. Crash statistics for your vehicle may also indicate to your insurer how likely it is that you'll be involved in an accident. Safer cars tend to earn lower rates.
      • Age: Statistics show that drivers with less experience on the road are more likely to be involved in a car accident or engage in risky driving behaviors like speeding. As young drivers become more experienced, they are considered less of a risk in most states and typically see lower premiums as long as they maintain a clean driving record. Hawaii and Massachusetts, however, do not allow using age as an insurance rating factor.
      • Driving history: If a teen has a history of car accidents and moving violations, the car insurance company may see them as riskier to insure and increase their premium.
      • Types of car insurance coverage:Minimum coverage policies allow you to drive legally, but provide minimum amounts of coverage. Afull coverage policy with higher liability levels provides more robust coverage in the event of an accident. Having said that, if you have an older vehicle that might not be worth fixing, you may opt to skipcollision and comprehensive insurance.
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      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Discounts for teen drivers

      Teen drivers and young adults may lower their car insurance premiums by benefiting from some of thebest car insurance discounts for students and various other discounts.

      • Good student discounts: Unmarried, full-time students may get a good student discount by maintaining a certain letter grade or grade point average (often a "B" average or better). The savings amount and eligibility criteria vary by company.
      • Distant student discounts: A distant student discount, also called student away at school, is a potential way to save for college-aged drivers. This discount typically applies to students who go to college at least 100 miles from home and do not take a car with them.
      • Driver training discounts: Driver training programs help teenage drivers develop safer and more responsible driving habits and may alsosave money on car insurance. The requirements and savings differ by carrier.
      • Usage-based program discounts: Many insurance companies offer a way for all family members to save on car insurance with a usage-based program, also known as atelematics program. Telematics programs require a smartphone or plug-in device installed into the car to monitor driving habits and miles driven. Maintaining safe driving habits can earn you cheap car insurance rates.

      What coverage type does my teen need?

      In almost every state, you are required to carry a minimum amount of insurance coverage to drive legally on public roads. This generally consists ofliability insurance to cover damage and injuries to the other driver, their vehicle and any other damaged property in an at-fault accident. Depending on the state, other requirements may include other elements such asuninsured motorist coverage orpersonal injury protection.

      If you have a car loan or lease on your teen's vehicle, it's likely that you'll also need to purchase collision and comprehensive insurance which together with liability are often referred to as full coverage. This insurance helps pay for damage to your teen's car if they are in an at-fault accident or have a mishap such as hitting an animal.

      If you don't have a loan or lease, and your teen's car is an older model, you may consider dropping (or not signing up for) full coverage. This is likely to save you money and may be a good idea if the car is old enough to not be worth fixing in the event of an accident.

      Frequently asked questions

      Methodology

      Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

      • $100,000 bodily injury liability per person
      • $300,000 bodily injury liability per accident
      • $50,000 property damage liability per accident
      • $100,000 uninsured motorist bodily injury per person
      • $300,000 uninsured motorist bodily injury per accident
      • $500 collision deductible
      • $500 comprehensive deductible

      To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

      These are sample rates and should only be used for comparative purposes.

      Age: Rates were calculated by evaluating our base profile with the ages 16-19 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

      Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

      Teens: Rates were determined by adding a 16-, 17-, 18- and 19-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

      Bankrate Scores

      Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

      Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

      • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings fromJ.D. Power,AM Best, Demotech and theNational Association of Insurance Commissioners (NAIC). 
      • Tier 2 (Coverage & savings):We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
      • Tier 3 (Support):To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings fromS&P and Moody’s and factored in a company’s corporate sustainability efforts.

      Tier scores are unweighted to show the company's true score in each category out of a possible five points.

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