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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  • Average car insurance cost for 16-year-olds is $4,680 per year or $390 per month.
  • Car insurance for 16-year-old males averages $4,978 per year and 16-year-old females average $4,382 per year.
  • Average rates for popular teen-driver vehicles include the Honda Civic at $5,098 per year, the Toyota Corolla at $4,714, and the Mazda 3 at $5,244 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 $4,978 per year or $415 per month. Car insurance rates for 16-year-old males ranges from $3,444 to $9,756 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 $5,922 per year the Ford Mustang at $5,964 per year, the Chevy Camaro at $7,368, the Nissan 370Z at $6,660, and the Subaru BRZ at $7,194 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$4,566$381
Alaska$4,276$356
Arizona$4,910$409
Arkansas$5,220$435
California$6,016$501
Colorado$5,812$484
Connecticut$5,946$496
Delaware$5,896$491
Florida$7,338$612
Georgia$5,612$468
Hawaii$4,316$360
Idaho$3,630$303
Illinois$3,862$322
Indiana$3,954$330
Iowa$3,594$300
Kansas$4,722$394
Kentucky$6,150$513
Louisiana$8,038$670
Maine$3,444$287
Maryland$5,020$418
Massachusetts$4,566$381
Michigan$9,756$813
Minnesota$4,824$402
Mississippi$4,846$404
Missouri$4,780$398
Montana$4,992$416
Nebraska$4,296$358
Nevada$6,088$507
New Hampshire$3,944$329
New Jersey$5,278$440
New Mexico$4,708$392
New York$6,032$503
North Carolina$3,700$308
North Dakota$4,184$349
Ohio$3,662$305
Oklahoma$5,860$488
Oregon$4,806$401
Pennsylvania$4,800$400
Rhode Island$6,474$540
South Carolina$5,046$421
South Dakota$4,498$375
Tennessee$4,500$375
Texas$5,278$440
Utah$4,448$371
Vermont$3,774$315
Virginia$3,498$292
Washington$4,280$357
West Virginia$4,826$402
Wisconsin$3,968$331
Wyoming$4,842$404

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

The average car insurance cost for a 16-year-old female driver is $4,382 per year or $365 per month. Depending on where you live, the cost could could range from $3,030 to $8,588 per year, which is $253 to $716 per month.

Average car insurance rates for 16-year-old females for some popular models include the Honda Accord at $4,586 per year, the Toyota Corolla at $4,150, the Ford Escape at $4,086, and the Honda Civic at $4,490 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$4,018$335
Alaska$3,762$314
Arizona$4,322$360
Arkansas$4,596$383
California$5,300$442
Colorado$5,118$427
Connecticut$5,234$436
Delaware$5,192$433
Florida$6,462$539
Georgia$4,942$412
Hawaii$3,802$317
Idaho$3,196$266
Illinois$3,400$283
Indiana$3,480$290
Iowa$3,164$264
Kansas$4,158$347
Kentucky$5,414$451
Louisiana$7,078$590
Maine$3,030$253
Maryland$4,422$369
Massachusetts$4,018$335
Michigan$8,588$716
Minnesota$4,248$354
Mississippi$4,264$355
Missouri$4,206$351
Montana$4,392$366
Nebraska$3,784$315
Nevada$5,358$447
New Hampshire$3,472$289
New Jersey$4,648$387
New Mexico$4,144$345
New York$5,310$443
North Carolina$3,256$271
North Dakota$3,682$307
Ohio$3,224$269
Oklahoma$5,158$430
Oregon$4,232$353
Pennsylvania$4,224$352
Rhode Island$5,700$475
South Carolina$4,442$370
South Dakota$3,958$330
Tennessee$3,960$330
Texas$4,648$387
Utah$3,916$326
Vermont$3,324$277
Virginia$3,080$257
Washington$3,768$314
West Virginia$4,250$354
Wisconsin$3,492$291
Wyoming$4,262$355

Which cars have the cheapest insurance for 16 year olds?

The cheapest cars to insure for 16-year-old drivers are the Subaru Forester, Honda CR-V, and Ford Edge, all of which are compact SUVs. Average rates for those three models are $3,742, $3,785, and $3,851 per year, respectively.

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
1Subaru Forester$3,980$3,504
2Honda CR-V$4,026$3,544
3Ford Edge$4,102$3,600
4Volkswagen Golf$4,196$3,690
5Mazda CX-5$4,282$3,768
6Mazda CX-3$4,316$3,804
7Toyota C-HR$4,340$3,824
8Kia Sportage$4,346$3,832
9Volvo XC40$4,374$3,848
10Subaru Crosstrek$4,454$3,924
11Volkswagen Atlas$4,464$3,928
12Kia Telluride$4,466$3,928
13Chevrolet Blazer$4,476$3,938
14Kia Sedona$4,484$3,944
15Toyota Tacoma$4,502$3,960
16Honda Passport$4,500$3,958
17Mitsubishi Eclipse Cross$4,508$3,964
18Subaru Ascent$4,508$3,964
19Subaru Impreza$4,526$3,988
20Acura RDX$4,556$4,006
21Honda Pilot$4,562$4,012
22Hyundai Kona$4,576$4,032
23Chevrolet Colorado$4,602$4,054
24Buick Envision$4,604$4,048
25Chevrolet Spark$4,612$4,070

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 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Zip Codes.
Average Car Insurance Cost for 16-year-old Males
Average Car Insurance Cost for 16-year-old Males
Make/Model Annual Rate Monthly Rate
Honda CR-V$4,026$336
Subaru Crosstrek$4,454$371
Subaru Impreza$4,526$377
Toyota Corolla$4,714$393
Nissan Rogue$4,858$405
Honda Civic$5,098$425
Ford F150$5,214$435
Honda Accord$5,214$435
Mazda 3$5,244$437
Toyota RAV4$5,280$440
Ford Explorer$5,292$441
Kia Forte$5,352$446
Toyota Prius$5,354$446
Toyota Camry$5,392$449
Nissan Sentra$5,410$451
Chevrolet Silverado$5,766$481
Ford Mustang$5,964$497
Ram Truck$6,040$503
Hyundai Elantra$6,384$532
Hyundai Sonata$6,506$542

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Zip Codes.
Average Car Insurance Cost for 16-year-old Females
Average Car Insurance Cost for 16-year-old Females
Make/Model Annual Rate Monthly Rate
Honda CR-V$3,544$295
Subaru Crosstrek$3,924$327
Subaru Impreza$3,988$332
Toyota Corolla$4,150$346
Nissan Rogue$4,278$357
Honda Civic$4,490$374
Honda Accord$4,586$382
Ford F150$4,592$383
Mazda 3$4,624$385
Toyota RAV4$4,654$388
Ford Explorer$4,658$388
Toyota Prius$4,712$393
Kia Forte$4,714$393
Toyota Camry$4,744$395
Nissan Sentra$4,766$397
Chevrolet Silverado$5,080$423
Ford Mustang$5,246$437
Ram Truck$5,326$444
Hyundai Elantra$5,632$469
Hyundai Sonata$5,734$478