Average Car Insurance Cost for 16-year-olds

How much does car insurance cost for 16-year-olds? We find the average rates by state plus show the vehicles with the cheapest insurance rates for teen drivers.

Start a Free QuoteCompare car insurance rates and save on your next policy.

  • Car insurance for 16-year-old male drivers averages $6,486 per year and 16-year-old female drivers average $5,712 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 $6,366 per year, the Toyota Corolla at $6,102, and the Mazda 3 at $6,318 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 $6,486 per year or $541 per month. Car insurance rates for 16-year-old males ranges from $3,938 to $8,726 per year depending on the state you live in.

Car insurance rates for 16-year-old males for some popular models include the Jeep Wrangler at $7,664 per year the Ford Mustang at $7,006 per year, the Chevy Camaro at $8,538, the Nissan 370Z at $6,810, and the Subaru BRZ at $7,826 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.

Average Car Insurance Cost for 16-Year-Old Male Drivers
U.S. StatePer YearPer Month
Alabama$5,824$485
Alaska$4,922$410
Arizona$5,928$494
Arkansas$6,750$563
California$7,780$648
Colorado$6,916$576
Connecticut$7,176$598
Delaware$7,326$611
Florida$7,978$665
Georgia$6,596$550
Hawaii$4,448$371
Idaho$4,642$387
Illinois$5,680$473
Indiana$4,856$405
Iowa$4,362$364
Kansas$6,358$530
Kentucky$6,906$576
Louisiana$7,632$636
Maine$3,938$328
Maryland$6,006$501
Massachusetts$7,024$585
Michigan$8,726$727
Minnesota$5,558$463
Mississippi$6,302$525
Missouri$7,268$606
Montana$5,936$495
Nebraska$5,416$451
Nevada$7,696$641
New Hampshire$4,368$364
New Jersey$7,792$649
New Mexico$5,332$444
New York$7,458$622
North Carolina$4,086$341
North Dakota$5,372$448
Ohio$4,544$379
Oklahoma$7,108$592
Oregon$6,038$503
Pennsylvania$6,208$517
Rhode Island$7,968$664
South Carolina$5,432$453
South Dakota$6,630$553
Tennessee$6,148$512
Texas$6,004$500
Utah$5,672$473
Vermont$4,730$394
Virginia$4,338$362
Washington$5,840$487
West Virginia$5,770$481
Wisconsin$4,652$388
Wyoming$5,748$479

What does car insurance cost for a 16-year-old female?

The average car insurance cost for a 16-year-old female driver is $5,712 per year or $476 per month. Depending on where you live, the cost could could range from $3,468 to $7,684 per year, which is $289 to $640 per month.

Average car insurance rates for 16-year-old females for some popular models include the Honda Accord at $5,780 per year, the Toyota Corolla at $5,372, the Ford Escape at $5,342, and the Honda Civic at $5,604 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.

Average Car Insurance Cost for 16-Year-Old Female Drivers
U.S. StatePer YearPer Month
Alabama$5,124$427
Alaska$4,332$361
Arizona$5,218$435
Arkansas$5,940$495
California$6,848$571
Colorado$6,086$507
Connecticut$6,318$527
Delaware$6,448$537
Florida$7,024$585
Georgia$5,804$484
Hawaii$3,916$326
Idaho$4,086$341
Illinois$4,998$417
Indiana$4,276$356
Iowa$3,842$320
Kansas$5,598$467
Kentucky$6,080$507
Louisiana$6,720$560
Maine$3,468$289
Maryland$5,288$441
Massachusetts$6,182$515
Michigan$7,684$640
Minnesota$4,894$408
Mississippi$5,548$462
Missouri$6,396$533
Montana$5,228$436
Nebraska$4,770$398
Nevada$6,774$565
New Hampshire$3,846$321
New Jersey$6,860$572
New Mexico$4,694$391
New York$6,564$547
North Carolina$3,598$300
North Dakota$4,728$394
Ohio$4,000$333
Oklahoma$6,256$521
Oregon$5,316$443
Pennsylvania$5,460$455
Rhode Island$7,016$585
South Carolina$4,782$399
South Dakota$5,838$487
Tennessee$5,414$451
Texas$5,286$441
Utah$4,992$416
Vermont$4,166$347
Virginia$3,818$318
Washington$5,140$428
West Virginia$5,080$423
Wisconsin$4,092$341
Wyoming$5,062$422

Which cars have the cheapest insurance for 16-year-olds?

The cheapest cars to insure for 16-year-old drivers are the Honda Passport, Mazda CX-5, and Buick Envision, all of which are compact SUVs. Rates for these three models are $4,788, $4,836, and $4,948 per year respectively for male drivers, and $4,206, $4,248, and $4,350 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.

Top 25 Cheapest Vehicles to Insure for 16-year-olds
RankMake/ModelAge 16 MaleAge 16 Female
1Honda Passport$4,788$4,206
2Mazda CX-5$4,836$4,248
3Buick Envision$4,948$4,350
4Subaru Crosstrek$4,950$4,356
5Nissan Kicks$4,968$4,376
6Chevrolet Trailblazer$5,000$4,406
7Subaru Ascent$5,084$4,466
8Nissan Rogue Sport$5,132$4,520
9Buick Encore$5,200$4,580
10Ford Explorer$5,254$4,614
11Acura RDX$5,296$4,656
12Kia Seltos$5,308$4,674
13Chevrolet Colorado$5,338$4,696
14Ford Edge$5,358$4,710
15Subaru Forester$5,380$4,728
16Subaru Impreza$5,392$4,746
17Volkswagen Atlas$5,406$4,754
18Hyundai Kona$5,414$4,764
19Hyundai Venue$5,424$4,784
20Lexus RX 350$5,464$4,798
21Ford Maverick$5,476$4,826
22Nissan Murano$5,498$4,838
23Mazda CX-30$5,524$4,864
24Honda HR-V$5,560$4,908
25Subaru Outback$5,572$4,902

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Zip Codes.Data last updated on August 11, 2023
Average Car Insurance Cost for 16-year-old Males
Average Car Insurance Cost for 16-year-old Males
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$4,950$413
Ford Explorer$5,254$438
Subaru Impreza$5,392$449
Honda CR-V$5,578$465
Toyota RAV4$5,972$498
Toyota Prius$6,040$503
Nissan Rogue$6,050$504
Nissan Sentra$6,090$508
Toyota Corolla$6,102$509
Toyota Camry$6,124$510
Mazda 3$6,318$527
Honda Civic$6,366$531
Kia Forte$6,450$538
Ford F150$6,528$544
Honda Accord$6,568$547
Ford Mustang$7,006$584
Ram Truck$7,134$595
Hyundai Elantra$7,250$604
Hyundai Sonata$7,298$608
Chevrolet Silverado$7,324$610

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Zip Codes.Data last updated on August 12, 2023
Average Car Insurance Cost for 16-year-old Females
Average Car Insurance Cost for 16-year-old Females
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$4,356$363
Ford Explorer$4,614$385
Subaru Impreza$4,746$396
Honda CR-V$4,914$410
Toyota RAV4$5,254$438
Toyota Prius$5,310$443
Nissan Rogue$5,330$444
Nissan Sentra$5,368$447
Toyota Corolla$5,372$448
Toyota Camry$5,386$449
Mazda 3$5,570$464
Honda Civic$5,604$467
Kia Forte$5,686$474
Ford F150$5,744$479
Honda Accord$5,780$482
Ford Mustang$6,170$514
Ram Truck$6,282$524
Hyundai Elantra$6,394$533
Hyundai Sonata$6,430$536
Chevrolet Silverado$6,458$538