There are ways to save money with teen drivers.
Turning 18 years old is the start of adulthood. You are eligible to vote, open your own lines of credit, and in many states, own a car. Whether you’re shopping for auto insurance for the first time or looking for a cheaper policy, car insurance for 18-year-olds can be expensive.
We’re going to take a look at average costs, then explore ways to save money on coverage and which companies provide the best car insurance in the industry.
When you’re ready to start comparing car insurance for 18-year-old drivers, enter your zip code below or call our team at (855) 518-0148 for free, personalized quotes seven days a week.
In This Article:
- What Is The Average Car Insurance For 18-Year-Olds?
- What Affects The Average Cost Of Car Insurance?
- How To Get Affordable Car Insurance For An 18-Year-Old
- Our Recommended Car Insurance Providers For Teens
What Is The Average Car Insurance For 18-Year-Olds?
Because 18-year-old drivers don’t have much experience behind the wheel, these drivers are considered high-risk. Teenagers tend to file more claims than older drivers, so car insurance companies raise rates for this age group.
According to The Zebra’s State of Auto Insurance study, the average car insurance for 18-year-old drivers runs about $4,700 per year or nearly $400 per month. The same study discusses the savings 18-year-olds can see if they stay on their parents’ insurance policy instead of starting their own – it’s about $2,600.
What Affects The Cost Of Car Insurance?
Many factors go into calculating auto insurance rates for 18-year-olds, including:
- Age: Typically, older drivers file fewer claims, so younger drivers are more likely to get higher car insurance rates.
- Gender: According to the Insurance Information Institute, women report fewer accidents, lower numbers of DUIs, and less serious accidents than men. Some states have outlawed taking gender into consideration when calculating car insurance rates, but in general, your gender will play a role.
- Location: If you live in an area that has a low rate of accidents, theft, and vandalism, your car insurance will be more affordable.
- Driving record: The fewer claims, accidents, and citations you’ve had, the lower the premium.
- Type of car: The less expensive your car, the less expensive your car insurance will be as well. Also, if your car has safety features like anti-theft technology, anti-lock brakes, or passive restraints, you could qualify for discounts.
- Credit: Data from the Federal Trade Commission suggests that drivers with a better credit score file fewer claims.
- Coverage limits: The limits and deductibles you choose will determine how expensive your car insurance rates are.
How To Get Affordable Car Insurance For An 18-Year-Old
From discounts to usage-based savings programs, there are many ways for teens to save money on car insurance. Here are some of the discounts offered by major providers that could help you get lower rates for car insurance for 18-year-olds.
Good student discount: Many auto insurance companies offer student discounts for full-time students who maintain a certain average in school, usually a B or higher.
Driver training course: Some states require insurance companies to give customers discounted rates after completing a state-approved driver safety course.
Distant student discount: Do you have a full-time student who goes to school more than 100 miles from home? If your student is without their car, you could qualify for lower insurance rates.
Safe driver discount: Safe driving habits can be monitored through a plug-in device or cell phone app. If you accelerate and brake safely, you can save on car insurance.
Usage-Based Car Insurance
Usage-based programs can help you save money on teen car insurance. When you consider how expensive the average car insurance for 18-year-old drivers is, taking the time to drive safely can have great rewards.
Up to 10% cash back for signing up
Up to 25% off every 6 months
4.0 stars on Google Play
Up to 20% off for signing up
3.1 stars on Google Play
Average discount of $26 for signing up
Average discount of $145 for completing the program
4.2 stars on Google Play
Guaranteed savings between 5% and 30%
Drive Safe & Save™
Up to 30% off
3.6 stars on Google Play
Save 5% for enrolling
Up to 20% off at renewal
2.2 stars on Google Play
Safeco’s Teen Safety Rewards Program
Although Safeco isn’t as large as the other providers listed above, we included it for its extensive offerings for teens. Safeco’s teen program includes tips, rewards points, and discounts for new drivers. Some of the car insurance discounts you can get for 18-year-old drivers include:
- Good student discount for maintaining a B average or higher
- Driver training course discount for completing pre-approved courses
- Distant student discount for students who go to school over 100 miles away from home without a car
- Newly independent discount for drivers who were previously listed on their parents policies and are now opening their own
- New teen rewards for customers of over one year that are adding a teen to their policy
The Road Ahead Guide gives you general driving tips, tips on driving in hazardous weather conditions, and more. Plus, Safeco’s RightTrack app monitors safe driving habits like mileage, acceleration, braking, and time spent driving at night to qualify you for discounts. Finally, Safeco offers a parent-teen contract that outlines clear expectations and rules for new drivers behind the wheel.
Read more in our full Safeco insurance review.
State Farm’s Steer Clear® Program
In addition to Drive Safe & Save, State Farm also offers Steer Clear – a special discount available to drivers younger than 25. To get this discount, you must:
- Have a valid driver’s license
- Have no at-fault accidents or moving violations during the past three years
- Complete the program requirements within six months of enrolling
Customers who enroll have to complete modules about safe driving. The modules encompass the following themes:
- Course training: Participants must complete five training modules that include a few lessons, videos, driving scenarios, and quizzes.
- Practice driving: Participants must complete five hours of driving in ten trips.
- Mentorship: Friends and family members can use the mentor login to track teen progress and give feedback.
- Program certification: Young drivers that complete the program receive a certificate of completion on the app and qualify for a discount.
Read more in our full State Farm insurance review.
Our Recommended Car Insurance Providers For Teens
When you’re looking for affordable car insurance for 18 year olds, you should keep a lookout for policies from Geico and Progressive. Our research found that these providers have affordable rates and good coverage for young drivers.
The best way to know that you’re getting the most affordable car insurance is to compare quotes from multiple car insurance companies side-by-side. Enter your zip code in the quote box below or call (855) 518-0148 to get started.
Geico: Best Overall
Our research named Geico auto insurance the best overall. With affordable rates, helpful coverage, and discounts, we think Geico is a great choice for teen car insurance.
With Geico, you can get standard insurance and the following types of coverage:
- Roadside assistance: Covers jumpstarts, tire changes, towing, and lockout services
- Rental car reimbursement: Covers rental cars from Enterprise Rent-A-Car
- Mechanical breakdown insurance: Cover repairs to mechanical parts on your car, excluding wear and tear, tune-ups, and maintenance
Plus, Geico has the usage-based safe driving program called DriveEasy in some states. Driving safely could get you reduced car insurance for 18-year-olds.
Read more in our full review of Geico insurance.
Progressive: Best For High-Risk Drivers
Our research found Progressive auto insurance is best for high-risk drivers, like teens and drivers with a DUI on record. We think Progressive’s accident forgiveness program is impressive and could be useful to young, claim-free drivers. Accident forgiveness from Progressive comes in two parts:
- Small accident forgiveness: Covers claims less than $500 and starts the day you start a policy with Progressive
- Large accident forgiveness: Covers claims larger than $500 and can be purchased in addition to your basic car insurance policy
Plus, Progressive has many exclusive tools that could help you save money on your auto insurance, like the Name Your Price® tool that matches you with Progressive car insurance policies beginning with your price point.
Progressive’s usage-based program Snapshot monitors safe driving habits to get you discounted car insurance rates.
Read more in our full review of Progressive insurance.