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 $6,320 per year and 16-year-old female drivers average $5,564 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 $6,198 per year, the Toyota Corolla at $5,942, and the Mazda 3 at $6,156 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 $6,320 per year or $527 per month. Car insurance rates for 16-year-old males ranges from $3,802 to $8,638 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 $7,466 per year the Ford Mustang at $6,826 per year, the Chevy Camaro at $8,320, the Nissan 370Z at $6,636, and the Subaru BRZ at $7,626 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$5,686$474
Alaska$4,786$399
Arizona$5,790$483
Arkansas$6,614$551
California$7,642$637
Colorado$6,778$565
Connecticut$7,038$587
Delaware$7,190$599
Florida$7,868$656
Georgia$6,456$538
Hawaii$4,310$359
Idaho$4,502$375
Illinois$5,538$462
Indiana$4,716$393
Iowa$4,226$352
Kansas$6,222$519
Kentucky$6,766$564
Louisiana$7,518$627
Maine$3,802$317
Maryland$5,868$489
Massachusetts$6,884$574
Michigan$8,638$720
Minnesota$5,420$452
Mississippi$6,162$514
Missouri$7,130$594
Montana$5,800$483
Nebraska$5,280$440
Nevada$7,558$630
New Hampshire$4,230$353
New Jersey$7,656$638
New Mexico$5,194$433
New York$7,324$610
North Carolina$3,948$329
North Dakota$5,234$436
Ohio$4,406$367
Oklahoma$6,972$581
Oregon$5,902$492
Pennsylvania$6,068$506
Rhode Island$7,830$653
South Carolina$5,298$442
South Dakota$6,492$541
Tennessee$6,012$501
Texas$5,866$489
Utah$5,532$461
Vermont$4,592$383
Virginia$4,198$350
Washington$5,704$475
West Virginia$5,632$469
Wisconsin$4,514$376
Wyoming$5,612$468

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

The average car insurance cost for a 16-year-old female driver is $5,564 per year or $464 per month. Depending on where you live, the cost could could range from $3,348 to $7,604 per year, which is $279 to $634 per month.

Average car insurance rates for 16-year-old females for some popular models include the Honda Accord at $5,634 per year, the Toyota Corolla at $5,234, the Ford Escape at $5,204, and the Honda Civic at $5,460 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$5,004$417
Alaska$4,210$351
Arizona$5,100$425
Arkansas$5,822$485
California$6,728$561
Colorado$5,966$497
Connecticut$6,196$516
Delaware$6,330$528
Florida$6,926$577
Georgia$5,684$474
Hawaii$3,792$316
Idaho$3,964$330
Illinois$4,878$407
Indiana$4,152$346
Iowa$3,720$310
Kansas$5,476$456
Kentucky$5,958$497
Louisiana$6,620$552
Maine$3,348$279
Maryland$5,166$431
Massachusetts$6,062$505
Michigan$7,604$634
Minnesota$4,774$398
Mississippi$5,426$452
Missouri$6,274$523
Montana$5,104$425
Nebraska$4,644$387
Nevada$6,654$555
New Hampshire$3,722$310
New Jersey$6,738$562
New Mexico$4,572$381
New York$6,444$537
North Carolina$3,476$290
North Dakota$4,608$384
Ohio$3,880$323
Oklahoma$6,138$512
Oregon$5,194$433
Pennsylvania$5,342$445
Rhode Island$6,896$575
South Carolina$4,662$389
South Dakota$5,714$476
Tennessee$5,290$441
Texas$5,164$430
Utah$4,872$406
Vermont$4,044$337
Virginia$3,696$308
Washington$5,022$419
West Virginia$4,960$413
Wisconsin$3,976$331
Wyoming$4,942$412

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 $4,668, $4,716, and $4,820 per year respectively for male drivers, and $4,098, $4,140, and $4,236 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$4,668$4,098
2Mazda CX-5$4,716$4,140
3Buick Envision$4,820$4,236
4Subaru Crosstrek$4,822$4,242
5Nissan Kicks$4,842$4,268
6Chevrolet Trailblazer$4,872$4,294
7Subaru Ascent$4,956$4,352
8Nissan Rogue Sport$5,002$4,410
9Buick Encore$5,068$4,466
10Ford Explorer$5,118$4,494
11Acura RDX$5,160$4,536
12Kia Seltos$5,170$4,556
13Chevrolet Colorado$5,198$4,578
14Ford Edge$5,218$4,586
15Subaru Forester$5,244$4,608
16Subaru Impreza$5,254$4,626
17Volkswagen Atlas$5,268$4,630
18Hyundai Kona$5,274$4,646
19Hyundai Venue$5,284$4,658
20Lexus RX 350$5,330$4,674
21Ford Maverick$5,336$4,702
22Nissan Murano$5,356$4,718
23Mazda CX-30$5,384$4,740
24Honda HR-V$5,416$4,782
25Subaru Outback$5,428$4,774

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 December 30, 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$4,822$402
Ford Explorer$5,118$427
Subaru Impreza$5,254$438
Honda CR-V$5,434$453
Toyota RAV4$5,818$485
Toyota Prius$5,884$490
Nissan Rogue$5,892$491
Nissan Sentra$5,932$494
Toyota Corolla$5,942$495
Toyota Camry$5,966$497
Mazda 3$6,156$513
Honda Civic$6,198$517
Kia Forte$6,286$524
Ford F150$6,358$530
Honda Accord$6,402$534
Ford Mustang$6,826$569
Ram Truck$6,950$579
Hyundai Elantra$7,064$589
Hyundai Sonata$7,112$593
Chevrolet Silverado$7,128$594

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 December 30, 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$4,242$354
Ford Explorer$4,494$375
Subaru Impreza$4,626$386
Honda CR-V$4,790$399
Toyota RAV4$5,122$427
Toyota Prius$5,178$432
Nissan Rogue$5,192$433
Nissan Sentra$5,230$436
Toyota Corolla$5,234$436
Toyota Camry$5,250$438
Mazda 3$5,426$452
Honda Civic$5,460$455
Kia Forte$5,540$462
Ford F150$5,596$466
Honda Accord$5,634$470
Ford Mustang$6,010$501
Ram Truck$6,122$510
Hyundai Elantra$6,232$519
Hyundai Sonata$6,266$522
Chevrolet Silverado$6,286$524