- Average car insurance cost for 18-year-olds is $5,155 per year or $430 per month.
- Car insurance for 18-year-old males averages $5,520 per year and 18-year-old females average $4,790 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 $5,520 per year or $460 per month. Insurance rates range from an average of $3,322 per year in Maine to $7,544 per year in Michigan.
Car insurance rates for 18-year-old males for some popular models include the Ford Mustang at $5,948 per year, the Chevy Camaro at $7,228, the Subaru WRX at $6,138, and the Nissan 370Z at $5,804 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 | Per Year | Per Month |
|---|---|---|
| Alabama | $4,968 | $414 |
| Alaska | $4,182 | $349 |
| Arizona | $5,058 | $422 |
| Arkansas | $5,776 | $481 |
| California | $6,674 | $556 |
| Colorado | $5,920 | $493 |
| Connecticut | $6,148 | $512 |
| Delaware | $6,280 | $523 |
| Florida | $6,872 | $573 |
| Georgia | $5,638 | $470 |
| Hawaii | $3,766 | $314 |
| Idaho | $3,934 | $328 |
| Illinois | $4,838 | $403 |
| Indiana | $4,120 | $343 |
| Iowa | $3,692 | $308 |
| Kansas | $5,436 | $453 |
| Kentucky | $5,910 | $493 |
| Louisiana | $6,568 | $547 |
| Maine | $3,322 | $277 |
| Maryland | $5,126 | $427 |
| Massachusetts | $6,014 | $501 |
| Michigan | $7,544 | $629 |
| Minnesota | $4,734 | $395 |
| Mississippi | $5,382 | $449 |
| Missouri | $6,228 | $519 |
| Montana | $5,066 | $422 |
| Nebraska | $4,610 | $384 |
| Nevada | $6,604 | $550 |
| New Hampshire | $3,694 | $308 |
| New Jersey | $6,688 | $557 |
| New Mexico | $4,540 | $378 |
| New York | $6,396 | $533 |
| North Carolina | $3,448 | $287 |
| North Dakota | $4,572 | $381 |
| Ohio | $3,850 | $321 |
| Oklahoma | $6,092 | $508 |
| Oregon | $5,156 | $430 |
| Pennsylvania | $5,300 | $442 |
| Rhode Island | $6,842 | $570 |
| South Carolina | $4,626 | $386 |
| South Dakota | $5,672 | $473 |
| Tennessee | $5,252 | $438 |
| Texas | $5,124 | $427 |
| Utah | $4,834 | $403 |
| Vermont | $4,014 | $335 |
| Virginia | $3,670 | $306 |
| Washington | $4,984 | $415 |
| West Virginia | $4,922 | $410 |
| Wisconsin | $3,944 | $329 |
| Wyoming | $4,904 | $409 |
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 $4,790 per year or $399 per month. Insurance rates range from an average of $2,882 per year in Maine to $6,548 per year in Michigan.
Car insurance rates for 18-year-old females for some popular models include the Kia Soul at $4,360 per year, the Toyota Corolla at $4,478, the Kia Forte at $4,706, and the Honda Civic at $4,674 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 | Per Year | Per Month |
|---|---|---|
| Alabama | $4,308 | $359 |
| Alaska | $3,626 | $302 |
| Arizona | $4,392 | $366 |
| Arkansas | $5,014 | $418 |
| California | $5,790 | $483 |
| Colorado | $5,138 | $428 |
| Connecticut | $5,334 | $445 |
| Delaware | $5,448 | $454 |
| Florida | $5,964 | $497 |
| Georgia | $4,892 | $408 |
| Hawaii | $3,266 | $272 |
| Idaho | $3,416 | $285 |
| Illinois | $4,202 | $350 |
| Indiana | $3,576 | $298 |
| Iowa | $3,202 | $267 |
| Kansas | $4,716 | $393 |
| Kentucky | $5,130 | $428 |
| Louisiana | $5,700 | $475 |
| Maine | $2,882 | $240 |
| Maryland | $4,448 | $371 |
| Massachusetts | $5,220 | $435 |
| Michigan | $6,548 | $546 |
| Minnesota | $4,110 | $343 |
| Mississippi | $4,672 | $389 |
| Missouri | $5,404 | $450 |
| Montana | $4,394 | $366 |
| Nebraska | $4,000 | $333 |
| Nevada | $5,728 | $477 |
| New Hampshire | $3,206 | $267 |
| New Jersey | $5,802 | $484 |
| New Mexico | $3,936 | $328 |
| New York | $5,548 | $462 |
| North Carolina | $2,992 | $249 |
| North Dakota | $3,970 | $331 |
| Ohio | $3,342 | $279 |
| Oklahoma | $5,284 | $440 |
| Oregon | $4,474 | $373 |
| Pennsylvania | $4,600 | $383 |
| Rhode Island | $5,938 | $495 |
| South Carolina | $4,014 | $335 |
| South Dakota | $4,922 | $410 |
| Tennessee | $4,554 | $380 |
| Texas | $4,446 | $371 |
| Utah | $4,192 | $349 |
| Vermont | $3,480 | $290 |
| Virginia | $3,184 | $265 |
| Washington | $4,324 | $360 |
| West Virginia | $4,270 | $356 |
| Wisconsin | $3,424 | $285 |
| Wyoming | $4,254 | $355 |
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 Honda Passport, Mazda CX-5, and Nissan Kicks.
Other models that should be considered if cheap insurance is your top priority are the Subaru Crosstrek, Nissan Rogue Sport, Buick Envision, Chevrolet Trailblazer, and Subaru Ascent.
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 | Honda Passport | $4,136 | $3,594 |
| 2 | Mazda CX-5 | $4,182 | $3,632 |
| 3 | Nissan Kicks | $4,196 | $3,638 |
| 4 | Chevrolet Trailblazer | $4,218 | $3,658 |
| 5 | Subaru Crosstrek | $4,226 | $3,666 |
| 6 | Buick Envision | $4,236 | $3,672 |
| 7 | Nissan Rogue Sport | $4,338 | $3,766 |
| 8 | Subaru Ascent | $4,398 | $3,824 |
| 9 | Buick Encore | $4,402 | $3,820 |
| 10 | Kia Seltos | $4,496 | $3,902 |
| 11 | Chevrolet Colorado | $4,516 | $3,910 |
| 12 | Acura RDX | $4,544 | $3,942 |
| 13 | Ford Explorer | $4,546 | $3,944 |
| 14 | Hyundai Venue | $4,550 | $3,944 |
| 15 | Subaru Impreza | $4,588 | $3,982 |
| 16 | Hyundai Kona | $4,594 | $3,988 |
| 17 | Ford Edge | $4,598 | $3,990 |
| 18 | Ford Maverick | $4,600 | $3,986 |
| 19 | Honda HR-V | $4,624 | $4,006 |
| 20 | Volkswagen Atlas | $4,644 | $4,030 |
| 21 | Subaru Forester | $4,658 | $4,054 |
| 22 | Nissan Murano | $4,674 | $4,056 |
| 23 | Mazda CX-30 | $4,688 | $4,066 |
| 24 | Honda CR-V | $4,736 | $4,114 |
| 25 | Nissan Frontier | $4,748 | $4,120 |
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.
