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.

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  • Car insurance for 16-year-old male drivers averages $5,460 per year and 16-year-old female drivers average $4,804 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 $5,428 per year, the Toyota Corolla at $5,550, and the Mazda 3 at $5,524 per year.

What is average car insurance cost for a 16-year-old male?

The average cost of car insurance for an 16-year-old male driver is $5,460 per year or $455 per month. Car insurance rates for 16-year-old males ranges from $3,176 to $8,692 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 $6,498 per year the Ford Mustang at $5,530 per year, the Chevy Camaro at $7,152, the Nissan 370Z at $6,058, and the Subaru BRZ at $6,576 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$4,446$371
Alaska$4,790$399
Arizona$4,858$405
Arkansas$5,836$486
California$6,248$521
Colorado$5,824$485
Connecticut$5,290$441
Delaware$5,542$462
Florida$7,972$664
Georgia$5,274$440
Hawaii$3,706$309
Idaho$4,306$359
Illinois$4,406$367
Indiana$4,074$340
Iowa$3,944$329
Kansas$5,490$458
Kentucky$6,344$529
Louisiana$7,904$659
Maine$3,772$314
Maryland$4,924$410
Massachusetts$4,466$372
Michigan$8,692$724
Minnesota$4,794$400
Mississippi$5,150$429
Missouri$5,792$483
Montana$5,316$443
Nebraska$5,214$435
Nevada$5,982$499
New Hampshire$3,292$274
New Jersey$5,150$429
New Mexico$4,368$364
New York$5,804$484
North Carolina$3,462$289
North Dakota$4,534$378
Ohio$3,176$265
Oklahoma$5,304$442
Oregon$4,566$381
Pennsylvania$4,590$383
Rhode Island$6,426$536
South Carolina$5,026$419
South Dakota$4,940$412
Tennessee$4,314$360
Texas$5,138$428
Utah$4,506$376
Vermont$3,622$302
Virginia$3,518$293
Washington$4,140$345
West Virginia$4,904$409
Wisconsin$3,706$309
Wyoming$5,008$417

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

The average car insurance cost for a 16-year-old female driver is $4,804 per year or $400 per month. Depending on where you live, the cost could could range from $2,794 to $7,654 per year, which is $233 to $638 per month.

Average car insurance rates for 16-year-old females for some popular models include the Honda Accord at $5,048 per year, the Toyota Corolla at $4,898, the Ford Escape at $4,802, and the Honda Civic at $4,782 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$3,912$326
Alaska$4,214$351
Arizona$4,276$356
Arkansas$5,138$428
California$5,502$459
Colorado$5,128$427
Connecticut$4,656$388
Delaware$4,880$407
Florida$7,018$585
Georgia$4,644$387
Hawaii$3,262$272
Idaho$3,790$316
Illinois$3,876$323
Indiana$3,586$299
Iowa$3,472$289
Kansas$4,834$403
Kentucky$5,588$466
Louisiana$6,958$580
Maine$3,320$277
Maryland$4,336$361
Massachusetts$3,932$328
Michigan$7,654$638
Minnesota$4,220$352
Mississippi$4,536$378
Missouri$5,098$425
Montana$4,682$390
Nebraska$4,590$383
Nevada$5,266$439
New Hampshire$2,898$242
New Jersey$4,536$378
New Mexico$3,846$321
New York$5,110$426
North Carolina$3,048$254
North Dakota$3,990$333
Ohio$2,794$233
Oklahoma$4,670$389
Oregon$4,020$335
Pennsylvania$4,042$337
Rhode Island$5,660$472
South Carolina$4,428$369
South Dakota$4,352$363
Tennessee$3,798$317
Texas$4,524$377
Utah$3,966$331
Vermont$3,188$266
Virginia$3,100$258
Washington$3,648$304
West Virginia$4,316$360
Wisconsin$3,262$272
Wyoming$4,410$368

Which cars have the cheapest insurance for 16 year olds?

The cheapest cars to insure for 16-year-old drivers are the Mazda CX-5, Honda Passport, and Nissan Kicks, all of which are compact SUVs. Rates for these three models are $3,964, $4,178, and $4,248 per year respectively for male drivers, and $3,484, $3,670, and $3,742 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
1Mazda CX-5$3,964$3,484
2Honda Passport$4,178$3,670
3Nissan Kicks$4,248$3,742
4Chevrolet Trailblazer$4,338$3,824
5Subaru Crosstrek$4,370$3,846
6Chevrolet Colorado$4,424$3,894
7Buick Envision$4,458$3,916
8Subaru Ascent$4,506$3,960
9Acura RDX$4,538$3,988
10Mazda MX-5 Miata$4,542$3,990
11Toyota C-HR$4,544$4,004
12Buick Encore$4,546$4,006
13Nissan Rogue Sport$4,602$4,056
14Subaru Forester$4,622$4,064
15Cadillac XT4$4,640$4,078
16Kia Seltos$4,666$4,112
17Ford Maverick$4,694$4,138
18Hyundai Kona$4,698$4,138
19Toyota Corolla Cross$4,698$4,138
20Subaru Impreza$4,742$4,172
21Volkswagen Tiguan$4,752$4,184
22Hyundai Venue$4,754$4,190
23Ford Edge$4,776$4,198
24Honda CR-V$4,832$4,256
25Mazda CX-30$4,838$4,262

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 2022 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 October 28, 2022
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$4,370$364
Subaru Impreza$4,742$395
Honda CR-V$4,832$403
Ford Explorer$4,978$415
Toyota RAV4$5,142$429
Ford F150$5,298$442
Toyota Camry$5,326$444
Nissan Sentra$5,390$449
Nissan Rogue$5,408$451
Toyota Prius$5,408$451
Honda Civic$5,428$452
Mazda 3$5,524$460
Toyota Corolla$5,550$463
Ford Mustang$5,614$468
Kia Forte$5,682$474
Honda Accord$5,732$478
Chevrolet Silverado$6,012$501
Hyundai Sonata$6,320$527
Ram Truck$6,322$527
Hyundai Elantra$6,354$530

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2022 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 October 28, 2022
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$3,846$321
Subaru Impreza$4,172$348
Honda CR-V$4,256$355
Ford Explorer$4,374$365
Toyota RAV4$4,526$377
Ford F150$4,666$389
Toyota Camry$4,688$391
Nissan Sentra$4,754$396
Toyota Prius$4,758$397
Nissan Rogue$4,762$397
Honda Civic$4,782$399
Mazda 3$4,870$406
Toyota Corolla$4,898$408
Ford Mustang$4,938$412
Kia Forte$5,010$418
Honda Accord$5,048$421
Chevrolet Silverado$5,298$442
Hyundai Sonata$5,568$464
Ram Truck$5,570$464
Hyundai Elantra$5,604$467