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.

Start a Free QuoteCompare car insurance rates and save on your next policy.

  • 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.

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

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

Top 25 Cheapest Vehicles to Insure for 18-year-old Drivers
RankMake/ModelAge 16 MaleAge 16 Female
1Honda Passport$4,136$3,594
2Mazda CX-5$4,182$3,632
3Nissan Kicks$4,196$3,638
4Chevrolet Trailblazer$4,218$3,658
5Subaru Crosstrek$4,226$3,666
6Buick Envision$4,236$3,672
7Nissan Rogue Sport$4,338$3,766
8Subaru Ascent$4,398$3,824
9Buick Encore$4,402$3,820
10Kia Seltos$4,496$3,902
11Chevrolet Colorado$4,516$3,910
12Acura RDX$4,544$3,942
13Ford Explorer$4,546$3,944
14Hyundai Venue$4,550$3,944
15Subaru Impreza$4,588$3,982
16Hyundai Kona$4,594$3,988
17Ford Edge$4,598$3,990
18Ford Maverick$4,600$3,986
19Honda HR-V$4,624$4,006
20Volkswagen Atlas$4,644$4,030
21Subaru Forester$4,658$4,054
22Nissan Murano$4,674$4,056
23Mazda CX-30$4,688$4,066
24Honda CR-V$4,736$4,114
25Nissan Frontier$4,748$4,120

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 2023 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 December 30, 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$4,226$352
Ford Explorer$4,546$379
Subaru Impreza$4,588$382
Honda CR-V$4,736$395
Toyota RAV4$5,098$425
Nissan Sentra$5,104$425
Nissan Rogue$5,112$426
Toyota Prius$5,158$430
Toyota Corolla$5,162$430
Toyota Camry$5,220$435
Mazda 3$5,308$442
Honda Civic$5,390$449
Kia Forte$5,428$452
Ford F150$5,552$463
Honda Accord$5,606$467
Ford Mustang$5,948$496
Ram Truck$6,048$504
Hyundai Elantra$6,078$507
Chevrolet Silverado$6,170$514
Hyundai Sonata$6,172$514

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average no car insurance cost is based on 2023 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 December 30, 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$3,666$306
Ford Explorer$3,944$329
Subaru Impreza$3,982$332
Honda CR-V$4,114$343
Nissan Sentra$4,422$369
Toyota RAV4$4,424$369
Nissan Rogue$4,436$370
Toyota Corolla$4,478$373
Toyota Prius$4,478$373
Toyota Camry$4,530$378
Mazda 3$4,602$384
Honda Civic$4,674$390
Kia Forte$4,706$392
Ford F150$4,816$401
Honda Accord$4,866$406
Ford Mustang$5,156$430
Ram Truck$5,246$437
Hyundai Elantra$5,266$439
Hyundai Sonata$5,352$446
Chevrolet Silverado$5,354$446