- Average car insurance cost for 18-year-olds is $5,181 per year or $432 per month.
- Car insurance for 18-year-old males averages $7,240 per year and 18-year-old females average $6,684 per year.
- The cheapest cars to insure for 18-year-olds are small SUVs like the Nissan Kicks, Honda Passport, and Mazda CX-5.
What is average car insurance cost for an 18-year-old male?
The average cost of car insurance for an 18-year-old male driver is $7,240 per year or $603 per month. Insurance rates range from an average of $5,508 per year in Maine to $8,838 per year in Michigan.
Visit our interactive car insurance calculator to see how different factors affect car insurance rates for 18-year-old drivers.
Car insurance rates for 18-year-old males for some popular models include the Ford Mustang at $7,889 per year, the Chevy Camaro at $9,351, the Subaru WRX at $8,035, and the Nissan 370Z at $7,429 per year.
The table below shows average rates for 18-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 | $7,116 | $593 |
| Alaska | $6,348 | $529 |
| Arizona | $7,202 | $600 |
| Arkansas | $7,905 | $659 |
| California | $8,780 | $732 |
| Colorado | $8,047 | $671 |
| Connecticut | $8,270 | $689 |
| Delaware | $8,396 | $700 |
| Florida | $8,523 | $710 |
| Georgia | $7,772 | $648 |
| Hawaii | $5,941 | $495 |
| Idaho | $6,110 | $509 |
| Illinois | $6,992 | $583 |
| Indiana | $6,292 | $524 |
| Iowa | $5,870 | $489 |
| Kansas | $7,573 | $631 |
| Kentucky | $8,036 | $670 |
| Louisiana | $8,225 | $685 |
| Maine | $5,508 | $459 |
| Maryland | $7,271 | $606 |
| Massachusetts | $8,139 | $678 |
| Michigan | $8,838 | $737 |
| Minnesota | $6,887 | $574 |
| Mississippi | $7,521 | $627 |
| Missouri | $8,345 | $695 |
| Montana | $7,211 | $601 |
| Nebraska | $6,771 | $564 |
| Nevada | $8,714 | $726 |
| New Hampshire | $5,872 | $489 |
| New Jersey | $8,793 | $733 |
| New Mexico | $6,698 | $558 |
| New York | $8,510 | $709 |
| North Carolina | $5,634 | $470 |
| North Dakota | $6,728 | $561 |
| Ohio | $6,027 | $502 |
| Oklahoma | $8,210 | $684 |
| Oregon | $7,300 | $608 |
| Pennsylvania | $7,442 | $620 |
| Rhode Island | $8,944 | $745 |
| South Carolina | $6,779 | $565 |
| South Dakota | $7,802 | $650 |
| Tennessee | $7,393 | $616 |
| Texas | $7,268 | $606 |
| Utah | $6,985 | $582 |
| Vermont | $6,183 | $515 |
| Virginia | $5,846 | $487 |
| Washington | $7,129 | $594 |
| West Virginia | $7,069 | $589 |
| Wisconsin | $6,114 | $510 |
| Wyoming | $7,052 | $588 |
What does car insurance cost for an 18-year-old female?
The average cost of car insurance for an 18-year-old female driver is $6,684 per year or $557 per month. Insurance rates range from an average of $5,084 per year in Maine to $8,157 per year in Michigan.
Car insurance rates for 18-year-old females for some popular models include the Kia Soul at $5,126 per year, the Toyota Corolla at $6,477, the Kia Forte at $6,371, and the Honda Civic at $5,810 per year.
The table below shows average yearly and monthly car insurance cost for 18-year-old female drivers. Rates are ordered alphabetically by state name.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $6,566 | $547 |
| Alaska | $5,856 | $488 |
| Arizona | $6,646 | $554 |
| Arkansas | $7,295 | $608 |
| California | $8,105 | $675 |
| Colorado | $7,424 | $619 |
| Connecticut | $7,631 | $636 |
| Delaware | $7,746 | $646 |
| Florida | $7,864 | $655 |
| Georgia | $7,174 | $598 |
| Hawaii | $5,479 | $457 |
| Idaho | $5,633 | $469 |
| Illinois | $6,453 | $538 |
| Indiana | $5,803 | $484 |
| Iowa | $5,418 | $452 |
| Kansas | $6,988 | $582 |
| Kentucky | $7,417 | $618 |
| Louisiana | $7,592 | $633 |
| Maine | $5,084 | $424 |
| Maryland | $6,709 | $559 |
| Massachusetts | $7,506 | $626 |
| Michigan | $8,157 | $680 |
| Minnesota | $6,357 | $530 |
| Mississippi | $6,941 | $578 |
| Missouri | $7,701 | $642 |
| Montana | $6,655 | $555 |
| Nebraska | $6,246 | $521 |
| Nevada | $8,039 | $670 |
| New Hampshire | $5,422 | $452 |
| New Jersey | $8,114 | $676 |
| New Mexico | $6,176 | $515 |
| New York | $7,851 | $654 |
| North Carolina | $5,200 | $433 |
| North Dakota | $6,210 | $518 |
| Ohio | $5,558 | $463 |
| Oklahoma | $7,576 | $631 |
| Oregon | $6,734 | $561 |
| Pennsylvania | $6,868 | $572 |
| Rhode Island | $8,257 | $688 |
| South Carolina | $6,257 | $521 |
| South Dakota | $7,199 | $600 |
| Tennessee | $6,822 | $569 |
| Texas | $6,707 | $559 |
| Utah | $6,444 | $537 |
| Vermont | $5,708 | $476 |
| Virginia | $5,397 | $450 |
| Washington | $6,580 | $548 |
| West Virginia | $6,523 | $544 |
| Wisconsin | $5,640 | $470 |
| Wyoming | $6,507 | $542 |
What is the cheapest car insurance for 18 year olds?
The cheapest car insurance for 18-year-old drivers can be found on compact SUVs that have great safety ratings. The top three models in our ranking are the Subaru Crosstrek, Chevrolet Trailblazer, and Kia Soul.
Other models that should be considered if cheap insurance is your top priority are the Buick Envision, Toyota Corolla Cross, Hyundai Venue, Nissan Kicks, and Honda Passport.
The list below shows the 25 vehicles with the cheapest car insurance rates for 18-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 | $5,194 | $4,804 |
| 2 | Chevrolet Trailblazer | $5,428 | $5,030 |
| 3 | Kia Soul | $5,528 | $5,126 |
| 4 | Nissan Kicks | $5,536 | $5,154 |
| 5 | Buick Envision | $5,576 | $5,154 |
| 6 | Hyundai Venue | $5,746 | $5,358 |
| 7 | Toyota Corolla Cross | $5,794 | $5,364 |
| 8 | Honda Passport | $5,848 | $5,352 |
| 9 | Mazda CX-5 | $5,872 | $5,409 |
| 10 | Volkswagen Tiguan | $5,885 | $5,423 |
| 11 | Ford Bronco Sport | $5,886 | $5,444 |
| 12 | Nissan Murano | $5,968 | $5,522 |
| 13 | Acura RDX | $6,024 | $5,543 |
| 14 | Nissan Leaf | $6,057 | $5,642 |
| 15 | Buick Encore | $6,106 | $5,644 |
| 16 | Toyota GR Corolla | $6,114 | $5,635 |
| 17 | Honda HR-V | $6,133 | $5,704 |
| 18 | Volkswagen Taos | $6,144 | $5,701 |
| 19 | Kia Niro | $6,160 | $5,694 |
| 20 | Honda CR-V | $6,171 | $5,697 |
| 21 | Chevrolet Colorado | $6,182 | $5,728 |
| 22 | Buick Envista | $6,209 | $5,757 |
| 23 | Subaru Outback | $6,220 | $5,715 |
| 24 | Volkswagen Atlas Cross Sport | $6,272 | $5,777 |
| 25 | Honda Civic | $6,291 | $5,810 |
Popular vehicles average insurance cost for 18-year-olds
As much as parents wish they were, the most popular cars with 18-year-olds are not always the cheapest to insure.
The two charts below show 20 of the most popular vehicles driven in America and the average cost of car insurance when rated for both 18-year-old male and female drivers.
