- Average car insurance cost for 18-year-olds is $4,411 per year or $368 per month.
- Car insurance for 18-year-old males averages $4,762 per year and 18-year-old females average $4,130 per year.
- The cheapest cars to insure for 18-year-olds are small SUVs like the Buick Envision, Honda CR-V, and Mazda CX-30.
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 $4,762 per year or $397 per month. Insurance rates range from an average of $2,770 per year in Ohio to $7,580 per year in Michigan.
Car insurance rates for 18-year-old males for some popular models include the Ford Mustang at $4,930 per year, the Chevy Camaro at $6,638, the Subaru WRX at $5,422, and the Nissan 370Z at $5,304 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 | $3,874 | $323 |
| Alaska | $4,176 | $348 |
| Arizona | $4,236 | $353 |
| Arkansas | $5,090 | $424 |
| California | $5,450 | $454 |
| Colorado | $5,080 | $423 |
| Connecticut | $4,612 | $384 |
| Delaware | $4,836 | $403 |
| Florida | $6,954 | $580 |
| Georgia | $4,600 | $383 |
| Hawaii | $3,230 | $269 |
| Idaho | $3,756 | $313 |
| Illinois | $3,844 | $320 |
| Indiana | $3,554 | $296 |
| Iowa | $3,440 | $287 |
| Kansas | $4,788 | $399 |
| Kentucky | $5,536 | $461 |
| Louisiana | $6,892 | $574 |
| Maine | $3,290 | $274 |
| Maryland | $4,296 | $358 |
| Massachusetts | $3,894 | $325 |
| Michigan | $7,580 | $632 |
| Minnesota | $4,182 | $349 |
| Mississippi | $4,494 | $375 |
| Missouri | $5,050 | $421 |
| Montana | $4,636 | $386 |
| Nebraska | $4,546 | $379 |
| Nevada | $5,218 | $435 |
| New Hampshire | $2,870 | $239 |
| New Jersey | $4,494 | $375 |
| New Mexico | $3,810 | $318 |
| New York | $5,064 | $422 |
| North Carolina | $3,020 | $252 |
| North Dakota | $3,956 | $330 |
| Ohio | $2,770 | $231 |
| Oklahoma | $4,628 | $386 |
| Oregon | $3,984 | $332 |
| Pennsylvania | $4,004 | $334 |
| Rhode Island | $5,604 | $467 |
| South Carolina | $4,384 | $365 |
| South Dakota | $4,308 | $359 |
| Tennessee | $3,762 | $314 |
| Texas | $4,480 | $373 |
| Utah | $3,928 | $327 |
| Vermont | $3,162 | $264 |
| Virginia | $3,070 | $256 |
| Washington | $3,614 | $301 |
| West Virginia | $4,278 | $357 |
| Wisconsin | $3,230 | $269 |
| Wyoming | $4,366 | $364 |
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 $4,130 per year or $344 per month. Insurance rates range from an average of $2,402 per year in Ohio to $6,576 per year in Michigan.
Car insurance rates for 18-year-old females for some popular models include the Kia Soul at $3,984 per year, the Toyota Corolla at $4,100, the Kia Forte at $4,256, and the Honda Civic at $4,088 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 | $3,362 | $280 |
| Alaska | $3,622 | $302 |
| Arizona | $3,674 | $306 |
| Arkansas | $4,418 | $368 |
| California | $4,728 | $394 |
| Colorado | $4,406 | $367 |
| Connecticut | $4,002 | $334 |
| Delaware | $4,194 | $350 |
| Florida | $6,030 | $503 |
| Georgia | $3,990 | $333 |
| Hawaii | $2,804 | $234 |
| Idaho | $3,258 | $272 |
| Illinois | $3,330 | $278 |
| Indiana | $3,084 | $257 |
| Iowa | $2,982 | $249 |
| Kansas | $4,154 | $346 |
| Kentucky | $4,800 | $400 |
| Louisiana | $5,978 | $498 |
| Maine | $2,854 | $238 |
| Maryland | $3,724 | $310 |
| Massachusetts | $3,380 | $282 |
| Michigan | $6,576 | $548 |
| Minnesota | $3,628 | $302 |
| Mississippi | $3,898 | $325 |
| Missouri | $4,380 | $365 |
| Montana | $4,022 | $335 |
| Nebraska | $3,946 | $329 |
| Nevada | $4,526 | $377 |
| New Hampshire | $2,490 | $208 |
| New Jersey | $3,898 | $325 |
| New Mexico | $3,308 | $276 |
| New York | $4,388 | $366 |
| North Carolina | $2,620 | $218 |
| North Dakota | $3,430 | $286 |
| Ohio | $2,402 | $200 |
| Oklahoma | $4,014 | $335 |
| Oregon | $3,454 | $288 |
| Pennsylvania | $3,470 | $289 |
| Rhode Island | $4,862 | $405 |
| South Carolina | $3,802 | $317 |
| South Dakota | $3,740 | $312 |
| Tennessee | $3,262 | $272 |
| Texas | $3,886 | $324 |
| Utah | $3,410 | $284 |
| Vermont | $2,742 | $229 |
| Virginia | $2,664 | $222 |
| Washington | $3,136 | $261 |
| West Virginia | $3,710 | $309 |
| Wisconsin | $2,804 | $234 |
| Wyoming | $3,790 | $316 |
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 Mazda CX-5, Nissan Kicks, and Honda Passport.
Other models that should be considered if cheap insurance is your top priority are the Subaru Crosstrek, Buick Envision, Chevrolet Colorado, Chevrolet Trailblazer, and Buick Encore.
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 | Mazda CX-5 | $3,506 | $3,042 |
| 2 | Nissan Kicks | $3,676 | $3,186 |
| 3 | Honda Passport | $3,704 | $3,214 |
| 4 | Chevrolet Trailblazer | $3,756 | $3,258 |
| 5 | Subaru Crosstrek | $3,828 | $3,326 |
| 6 | Chevrolet Colorado | $3,854 | $3,338 |
| 7 | Buick Envision | $3,920 | $3,400 |
| 8 | Buick Encore | $3,944 | $3,420 |
| 9 | Toyota C-HR | $3,944 | $3,422 |
| 10 | Acura RDX | $3,990 | $3,462 |
| 11 | Mazda MX-5 Miata | $3,998 | $3,466 |
| 12 | Nissan Rogue Sport | $3,998 | $3,470 |
| 13 | Subaru Ascent | $4,006 | $3,478 |
| 14 | Kia Seltos | $4,060 | $3,524 |
| 15 | Ford Maverick | $4,064 | $3,524 |
| 16 | Cadillac XT4 | $4,086 | $3,546 |
| 17 | Toyota Corolla Cross | $4,090 | $3,548 |
| 18 | Hyundai Kona | $4,092 | $3,548 |
| 19 | Hyundai Venue | $4,092 | $3,550 |
| 20 | Subaru Forester | $4,108 | $3,570 |
| 21 | Volkswagen Tiguan | $4,138 | $3,590 |
| 22 | Subaru Impreza | $4,140 | $3,592 |
| 23 | Ford Edge | $4,210 | $3,654 |
| 24 | Honda CR-V | $4,212 | $3,654 |
| 25 | Mazda CX-30 | $4,216 | $3,656 |
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.
