- Car insurance for 16-year-old male drivers averages $8,342 per year and 16-year-old female drivers average $7,793 per year.
- If cheap car insurance for 16-year-old drivers is your top priority, consider compact SUV models with good safety ratings like the Mazda CX-30, Honda CR-V, and even the Buick Envision.
- Average rates for popular teen-driver vehicles include the Honda Civic at $7,221 per year, the Toyota Corolla at $8,182, and the Mazda 3 at $8,581 per year.
What is average car insurance cost for a 16-year-old male?
The average cost of car insurance for a 16-year-old male driver is $8,342 per year or $695 per month. Car insurance rates for 16-year-old males ranges from $6,346 to $10,179 per year depending on the state you live in.
Visit our interactive car insurance calculator to see how different factors affect car insurance rates for 16-year-old drivers.
Car insurance rates for 16-year-old males for some popular models include the Jeep Wrangler at $9,941 per year the Ford Mustang at $9,134 per year, the Chevy Camaro at $10,928, the Nissan 370Z at $8,538, and the Subaru BRZ at $9,699 per year.
The table below shows average rates for 16-year-old male drivers broken out by annual and monthly cost. The table is ordered alphabetically by state name.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $8,194 | $683 |
| Alaska | $7,307 | $609 |
| Arizona | $8,299 | $692 |
| Arkansas | $9,104 | $759 |
| California | $10,117 | $843 |
| Colorado | $9,267 | $772 |
| Connecticut | $9,524 | $794 |
| Delaware | $9,672 | $806 |
| Florida | $9,813 | $818 |
| Georgia | $8,950 | $746 |
| Hawaii | $6,843 | $570 |
| Idaho | $7,035 | $586 |
| Illinois | $8,055 | $671 |
| Indiana | $7,245 | $604 |
| Iowa | $6,759 | $563 |
| Kansas | $8,723 | $727 |
| Kentucky | $9,258 | $772 |
| Louisiana | $9,475 | $790 |
| Maine | $6,346 | $529 |
| Maryland | $8,374 | $698 |
| Massachusetts | $9,372 | $781 |
| Michigan | $10,179 | $848 |
| Minnesota | $7,935 | $661 |
| Mississippi | $8,663 | $722 |
| Missouri | $9,612 | $801 |
| Montana | $8,305 | $692 |
| Nebraska | $7,794 | $650 |
| Nevada | $10,032 | $836 |
| New Hampshire | $6,763 | $564 |
| New Jersey | $10,128 | $844 |
| New Mexico | $7,712 | $643 |
| New York | $9,800 | $817 |
| North Carolina | $6,487 | $541 |
| North Dakota | $7,751 | $646 |
| Ohio | $6,939 | $578 |
| Oklahoma | $9,458 | $788 |
| Oregon | $8,406 | $701 |
| Pennsylvania | $8,573 | $714 |
| Rhode Island | $10,301 | $858 |
| South Carolina | $7,808 | $651 |
| South Dakota | $8,986 | $749 |
| Tennessee | $8,511 | $709 |
| Texas | $8,372 | $698 |
| Utah | $8,044 | $670 |
| Vermont | $7,123 | $594 |
| Virginia | $6,733 | $561 |
| Washington | $8,213 | $684 |
| West Virginia | $8,143 | $679 |
| Wisconsin | $7,044 | $587 |
| Wyoming | $8,123 | $677 |
What does car insurance cost for a 16-year-old female?
The average car insurance cost for a 16-year-old female driver is $7,793 per year or $649 per month. Depending on where you live, the cost could could range from $5,929 to $9,508 per year, which is $494 to $792 per month.
Average car insurance rates for 16-year-old females for some popular models include the Honda Accord at $7,494 per year, the Toyota Corolla at $7,640, the Ford Escape at $7,217, and the Honda Civic at $6,749 per year.
The table below shows average yearly and monthly car insurance cost for 16-year-old female drivers. Rates are ordered alphabetically by state name.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $7,655 | $638 |
| Alaska | $6,826 | $569 |
| Arizona | $7,752 | $646 |
| Arkansas | $8,505 | $709 |
| California | $9,452 | $788 |
| Colorado | $8,656 | $721 |
| Connecticut | $8,897 | $741 |
| Delaware | $9,035 | $753 |
| Florida | $9,168 | $764 |
| Georgia | $8,362 | $697 |
| Hawaii | $6,393 | $533 |
| Idaho | $6,570 | $548 |
| Illinois | $7,519 | $627 |
| Indiana | $6,765 | $564 |
| Iowa | $6,314 | $526 |
| Kansas | $8,147 | $679 |
| Kentucky | $8,645 | $720 |
| Louisiana | $8,849 | $737 |
| Maine | $5,929 | $494 |
| Maryland | $7,823 | $652 |
| Massachusetts | $8,756 | $730 |
| Michigan | $9,508 | $792 |
| Minnesota | $7,411 | $618 |
| Mississippi | $8,092 | $674 |
| Missouri | $8,978 | $748 |
| Montana | $7,757 | $646 |
| Nebraska | $7,284 | $607 |
| Nevada | $9,375 | $781 |
| New Hampshire | $6,318 | $527 |
| New Jersey | $9,459 | $788 |
| New Mexico | $7,200 | $600 |
| New York | $9,155 | $763 |
| North Carolina | $6,062 | $505 |
| North Dakota | $7,240 | $603 |
| Ohio | $6,484 | $540 |
| Oklahoma | $8,833 | $736 |
| Oregon | $7,850 | $654 |
| Pennsylvania | $8,008 | $667 |
| Rhode Island | $9,626 | $802 |
| South Carolina | $7,295 | $608 |
| South Dakota | $8,394 | $700 |
| Tennessee | $7,954 | $663 |
| Texas | $7,821 | $652 |
| Utah | $7,517 | $626 |
| Vermont | $6,654 | $555 |
| Virginia | $6,291 | $524 |
| Washington | $7,671 | $639 |
| West Virginia | $7,603 | $634 |
| Wisconsin | $6,579 | $548 |
| Wyoming | $7,587 | $632 |
Which cars have the cheapest insurance for 16-year-olds?
The cheapest cars to insure for 16-year-old drivers are the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision, all of which are compact SUVs. Rates for these three models are $5,979, $6,350, and $6,376 per year respectively for male drivers, and $5,591, $5,929, and $5,966 respectively for female drivers.
The list below shows the 25 vehicles with the cheapest car insurance rates for 16-year-old drivers. Rates are shown for both male and female drivers. Click on any model to view detailed car insurance rate information.
| Rank | Make/Model | Age 16 Male | Age 16 Female |
|---|---|---|---|
| 1 | Subaru Crosstrek | $5,979 | $5,591 |
| 2 | Chevrolet Trailblazer | $6,350 | $5,929 |
| 3 | Buick Envision | $6,376 | $5,966 |
| 4 | Kia Soul | $6,450 | $6,025 |
| 5 | Nissan Kicks | $6,518 | $6,090 |
| 6 | Honda Passport | $6,560 | $6,129 |
| 7 | Mazda CX-5 | $6,694 | $6,258 |
| 8 | Volkswagen Tiguan | $6,705 | $6,267 |
| 9 | Toyota Corolla Cross | $6,744 | $6,297 |
| 10 | Ford Bronco Sport | $6,828 | $6,375 |
| 11 | Hyundai Venue | $6,834 | $6,380 |
| 12 | Acura RDX | $6,852 | $6,405 |
| 13 | Nissan Murano | $6,910 | $6,456 |
| 14 | Toyota GR Corolla | $6,942 | $6,495 |
| 15 | Buick Encore | $7,059 | $6,594 |
| 16 | Subaru Outback | $7,061 | $6,598 |
| 17 | Volkswagen Atlas Cross Sport | $7,107 | $6,649 |
| 18 | Kia Niro | $7,113 | $6,646 |
| 19 | Nissan Leaf | $7,117 | $6,653 |
| 20 | Honda CR-V | $7,128 | $6,653 |
| 21 | Subaru Ascent | $7,139 | $6,672 |
| 22 | Chevrolet Colorado | $7,160 | $6,695 |
| 23 | Lexus NX 250 | $7,189 | $6,720 |
| 24 | Honda HR-V | $7,201 | $6,727 |
| 25 | Volkswagen Atlas | $7,202 | $6,734 |
Popular vehicles average insurance cost for 16-year-olds
There are a lot of vehicle options available for newly-licensed drivers, but some models are just more popular than others. Cars like the Toyota Corolla and Camry, Honda Civic and Accord, and pickups like the Ford F150 and Chevy Silverado are always popular choices.
Many of those vehicles do not make our list of the cheapest vehicles to insure for 16-year-olds, however. So the two charts below show 20 of the most popular vehicles driven by teens in America and the average cost of car insurance when rated for both 16-year-old male and female drivers.
