Average Car Insurance Cost for 18-year-olds

How much does car insurance cost for 18-year-old drivers? We compare the average insurance rates for male and female drivers for all 50 U.S. states, plus find the cheapest cars to insure.

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  • 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.

Average Car Insurance Cost for 18 Year Old Male Drivers
U.S. StatePer YearPer 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.

Average Car Insurance Cost for 18 Year Old Female Drivers
U.S. StatePer YearPer 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.

Top 25 Cheapest Vehicles to Insure for 18-year-old Drivers
RankMake/ModelAge 16 MaleAge 16 Female
1Mazda CX-5$3,506$3,042
2Nissan Kicks$3,676$3,186
3Honda Passport$3,704$3,214
4Chevrolet Trailblazer$3,756$3,258
5Subaru Crosstrek$3,828$3,326
6Chevrolet Colorado$3,854$3,338
7Buick Envision$3,920$3,400
8Buick Encore$3,944$3,420
9Toyota C-HR$3,944$3,422
10Acura RDX$3,990$3,462
11Mazda MX-5 Miata$3,998$3,466
12Nissan Rogue Sport$3,998$3,470
13Subaru Ascent$4,006$3,478
14Kia Seltos$4,060$3,524
15Ford Maverick$4,064$3,524
16Cadillac XT4$4,086$3,546
17Toyota Corolla Cross$4,090$3,548
18Hyundai Kona$4,092$3,548
19Hyundai Venue$4,092$3,550
20Subaru Forester$4,108$3,570
21Volkswagen Tiguan$4,138$3,590
22Subaru Impreza$4,140$3,592
23Ford Edge$4,210$3,654
24Honda CR-V$4,212$3,654
25Mazda CX-30$4,216$3,656

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2022 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 July 21, 2022
Average Car Insurance Cost for 18-year-old Males
Average Car Insurance Cost for 18-year-old Males
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$3,828$319
Subaru Impreza$4,140$345
Honda CR-V$4,212$351
Ford Explorer$4,394$366
Toyota RAV4$4,498$375
Ford F150$4,610$384
Nissan Sentra$4,644$387
Toyota Camry$4,662$389
Nissan Rogue$4,698$392
Honda Civic$4,710$393
Toyota Corolla$4,738$395
Toyota Prius$4,746$396
Mazda 3$4,764$397
Kia Forte$4,910$409
Ford Mustang$4,930$411
Honda Accord$5,012$418
Chevrolet Silverado$5,224$435
Hyundai Elantra$5,462$455
Hyundai Sonata$5,482$457
Ram Truck$5,486$457

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2022 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 July 21, 2022
Average Car Insurance Cost for 18-year-old Females
Average Car Insurance Cost for 18-year-old Females
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$3,326$277
Subaru Impreza$3,592$299
Honda CR-V$3,654$305
Ford Explorer$3,812$318
Toyota RAV4$3,904$325
Ford F150$3,998$333
Nissan Sentra$4,022$335
Toyota Camry$4,044$337
Nissan Rogue$4,076$340
Honda Civic$4,088$341
Toyota Corolla$4,100$342
Toyota Prius$4,120$343
Mazda 3$4,128$344
Kia Forte$4,256$355
Ford Mustang$4,274$356
Honda Accord$4,352$363
Chevrolet Silverado$4,532$378
Hyundai Elantra$4,734$395
Hyundai Sonata$4,754$396
Ram Truck$4,756$396