+120 more)
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Teens pay an average of $264 per month for car insurance. Younger drivers tend to pay more for coverage because they have riskier driving habits and are more likely to cause an accident.
Country Financial currently boasts the most affordable choices for young drivers, according to our research, but you’ll want to consider all your options to find the best rates. You may be surprised by how expensive auto insurance is for young adults, but there are ways to find cheap car insurance. Many insurers offer savings for good students or for taking a defensive driving course.[1]
We’ll cover everything you need to know — from the differences between getting your own policy and being on your parents’ to when you can expect rates to begin to drop — in our latest guide.
On average, teens pay nearly $100 more per month for car insurance than the average 25-year-old.
Country Financial is the cheapest car insurance option for the average young driver.
It’s more affordable for parents to add new drivers to their auto insurance than purchasing a separate policy.
Teenage drivers are more expensive to insure because they’re at a higher risk of being involved in an accident. Drivers aged 16 to 19 have the highest risk of motor vehicle accidents of all age groups in the U.S., according to the U.S. Centers for Disease Control and Prevention (CDC).[2]
They also contribute disproportionately to the number of traffic fatalities. This is largely due to their lack of experience, poorly developed driving skills, and, for some teens, risky behavior.
Fortunately, insurance costs will begin to drop as your teen gets older. But if you have a brand-new driver, there are still ways you can find cheap car insurance.
Let’s take a look at which companies offer the cheapest average car insurance rates for young drivers.
Company  | Average Monthly Premium |
|---|---|
| Country Financial | $82 |
| USAA | $126 |
| Root | $134 |
| State Farm | $147 |
| Auto-Owners | $148 |
| Erie | $165 |
| GEICO | $171 |
| American Family | $181 |
| Clearcover | $187 |
| Dairyland | $192 |
| The General | $200 |
| Allstate | $201 |
| GAINSCO | $201 |
| Commonwealth Casualty | $204 |
| Safeco | $217 |
| Bristol West | $221 |
| Mile Auto | $228 |
| Elephant | $230 |
| Mercury | $232 |
| Direct Auto | $245 |
| National General | $245 |
| Liberty Mutual | $259 |
| Plymouth Rock | $259 |
| Farmers | $279 |
| Anchor | $284 |
| Travelers | $284 |
| 21st Century | $299 |
| AssuranceAmerica | $341 |
| Chubb | $350 |
| Shelter | $371 |
| The Hartford | $557 |
| State Auto | $595 |
| Amica | $599 |
| CSAA | $794 |
Your location affects how much you pay for car insurance. Insurance companies consider many factors when determining rates, including local theft rates and severe weather events.
The table below shows the cheapest insurers for young drivers by state, according to Compare.com research.
State | Average Monthly Premium | Cheapest Insurer |
|---|---|---|
| Alabama | $93 | National General |
| Alaska | $167 | State Farm |
| Arizona | $141 | Auto-Owners |
| Arkansas | $81 | State Farm |
| California | $154 | USAA |
| Colorado | $111 | State Farm |
| Connecticut | $199 | State Farm |
| Delaware | $134 | USAA |
| Florida | $170 | Progressive |
| Georgia | $164 | Auto-Owners |
| Hawaii | $110 | GEICO |
| Idaho | $70 | Auto-Owners |
| Illinois | $102 | Auto-Owners |
| Indiana | $94 | Auto-Owners |
| Iowa | $44 | State Farm |
| Kansas | $101 | State Farm |
| Kentucky | $130 | Progressive |
| Louisiana | $124 | State Farm |
| Maine | $80 | USAA |
| Maryland | $264 | USAA |
| Massachusetts | $100 | State Farm |
| Michigan | $131 | Auto-Owners |
| Minnesota | $109 | State Farm |
| Mississippi | $81 | State Farm |
| Missouri | $98 | USAA |
| Montana | $60 | State Farm |
| Nebraska | $87 | Auto-Owners |
| Nevada | $90 | Country Financial |
| New Hampshire | $0 | Foremost |
| New Jersey | $208 | NJM |
| New Mexico | $104 | Progressive |
| New York | $176 | Erie |
| North Carolina | $106 | Erie |
| North Dakota | $47 | Auto-Owners |
| Ohio | $95 | Mile Auto |
| Oklahoma | $68 | State Farm |
| Oregon | $137 | State Farm |
| Pennsylvania | $110 | State Farm |
| Rhode Island | $180 | USAA |
| South Carolina | $129 | USAA |
| South Dakota | $66 | State Farm |
| Tennessee | $93 | Sun Coast |
| Texas | $112 | State Farm |
| Utah | $114 | USAA |
| Vermont | N/A | N/A |
| Virginia | $121 | Auto-Owners |
| Washington | $123 | State Farm |
| District of Columbia | $276 | Erie |
| West Virginia | $82 | State Farm |
| Wisconsin | $61 | USAA |
| Wyoming | $47 | USAA |
Several companies have average rates as low as $61 per month.
Your driving record also affects your auto insurance rates. Maintaining a clean record means you’ll pay cheaper premiums. But a history of traffic violations or claims will increase your rates.
Below, you’ll find the cheapest insurers for young drivers with a less-than-perfect record, according to our data.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $116 |
| Root | $152 |
| USAA | $167 |
| State Farm | $189 |
| Auto-Owners | $197 |
| Erie | $232 |
| GAINSCO | $233 |
| GEICO | $234 |
| American Family | $243 |
| Dairyland | $247 |
| Clearcover | $259 |
| Commonwealth Casualty | $261 |
| Mile Auto | $261 |
| Allstate | $268 |
| Bristol West | $278 |
| Elephant | $280 |
| The General | $281 |
| National General | $306 |
| Liberty Mutual | $314 |
| Direct Auto | $316 |
| Safeco | $323 |
| Plymouth Rock | $346 |
| Farmers | $367 |
| Mercury | $372 |
| Anchor | $374 |
| Travelers | $381 |
| 21st Century | $412 |
| AssuranceAmerica | $414 |
| Chubb | $455 |
| Shelter | $530 |
| State Auto | $824 |
| The Hartford | $847 |
| Amica | $885 |
| CSAA | $1,145 |
Many insurers look at your credit history when determining your premiums. Drivers with poor credit typically pay more for coverage because they tend to file more claims.
The table below lists the cheapest insurers for young drivers with poor credit, according to Compare.com research.
Company | Average Monthly Premium |
|---|---|
| Country Financial | $95 |
| USAA | $152 |
| Root | $164 |
| GEICO | $209 |
| American Family | $209 |
| Clearcover | $228 |
| Dairyland | $235 |
| State Farm | $240 |
| The General | $244 |
| Allstate | $245 |
| GAINSCO | $245 |
| Commonwealth Casualty | $250 |
| Auto-Owners | $258 |
| Safeco | $265 |
| Bristol West | $270 |
| Mercury | $277 |
| Erie | $278 |
| Mile Auto | $279 |
| Elephant | $281 |
| Liberty Mutual | $296 |
| Plymouth Rock | $298 |
| Direct Auto | $299 |
| National General | $300 |
| Farmers | $341 |
| Anchor | $347 |
| Travelers | $347 |
| 21st Century | $365 |
| AssuranceAmerica | $417 |
| Shelter | $454 |
| Chubb | $677 |
| State Auto | $732 |
| Amica | $732 |
| The Hartford | $739 |
| CSAA | $970 |
If you’re trying to add a teen driver to your insurance policy, it’s important to shop around and compare car insurance quotes for the best coverage. Auto insurance rates can vary substantially depending on your ZIP code, deductible, and what discounts your teen qualifies for.
And just because an insurance company is the cheapest doesn’t mean it’s the right option for you. You should also consider the company’s financial strength, consumer ratings, and any unique benefits it has to offer.
We’ve compiled a list of some of the best insurance companies for teens and young drivers in the table below.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO has an average monthly rate of just 145 for teens, according to Compare.com data. The company also received a financial strength rating of A++ (Superior) from AM Best, which means it’s consistently able to meet its financial obligations and pay its claims.
GEICO comes with many advantages for teen drivers, including a good student discount. And if teens remain accident-free for five years, they’ll qualify for a good driver discount as well.
Superior website and mobile app
Wide variety of available discounts
Gap insurance not available
Rideshare insurance not available
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
Erie costs an average of $129 per month for teen drivers, according to our analysis. Erie also received an AM Best financial strength rating of A (Excellent) and an A+ rating from the Better Business Bureau (BBB).[3]
Erie’s website states that unmarried drivers under the age of 21 who still live with their parents may be eligible for a discount. The company also offers accident forgiveness and vanishing deductibles.
Gap insurance available
Rate Lock program keeps your price the same unless you change your policy
Not available in all 50 states
Doesn’t offer usage-based insurance
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $105/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has an average monthly rate of $111, according to our research. The insurer is known for providing excellent customer service — State Farm received an above-average customer satisfaction score in J.D. Power’s 2025 Auto Insurance Study.[4]
Teen drivers with good grades can save up to 25% on car insurance with State Farm, and the savings could last until they turn 25. Young drivers can earn additional discounts for maintaining good grades, taking an approved driver education course, or if they go away to college and leave their vehicle at home.
Offers a program specifically for young drivers
Above-average J.D. Power Customer Service score
Gap insurance not available
Must purchase policy from insurance agent
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $161/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.6 | 2.9 |
| Policy transparency | 4.8 | 3.1 |
| Value | 4.2 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
Young drivers who purchase auto insurance from American Family pay an average of $160 per month, according to Compare.com data. American Family isn’t accredited by the BBB, but it still has an A+ rating.[5]
But the company offers several discounts for young drivers and their families. Young drivers who’re enrolled full-time in high school or college can receive a good student discount for earning a 3.0 GPA or better. Even if your student is homeschooled, they can still qualify for the discount if they’re ranked in the top 20% on a nationally recognized test.
Highly ranked for customer service
Wide range of available discounts
Not available in all 50 states
Higher rates than some competitors
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive costs an average of $0 per month for young drivers, based on our data. The company has an A rating from the Better Business Bureau but was rated below average by J.D. Power for overall customer satisfaction in its latest study.[6]
Progressive offers multiple discounts to teen drivers who are 18 or younger. The average savings will vary, but teens can earn a good student discount and receive additional savings if they’ve been continuously insured for 12 months or more. And, if your teen driver has their own car, Progressive will add a multi-vehicle discount to your policy.
Numerous available discounts for teen drivers
Rideshare coverage available
More expensive than the other four companies listed
Below-average J.D. Power Customer Satisfaction scores
Younger drivers typically pay more for car insurance. But age isn’t the only factor affecting rates. Your driving record, the car you drive, and the state you live in all determine how much you pay for coverage.
The table below lists average car insurance rates for young drivers by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Hawaii | $108 |
| Montana | $114 |
| Iowa | $125 |
| Wyoming | $131 |
| South Dakota | $135 |
| Wisconsin | $136 |
| North Carolina | $142 |
| North Dakota | $150 |
| New Mexico | $162 |
| Mississippi | $167 |
| New Hampshire | $171 |
| Arkansas | $171 |
| Tennessee | $173 |
| Alabama | $174 |
| Oklahoma | $181 |
| Vermont | $181 |
| Kansas | $182 |
| Nebraska | $185 |
| Indiana | $186 |
| Idaho | $187 |
| Pennsylvania | $189 |
| Ohio | $195 |
| Missouri | $197 |
| West Virginia | $200 |
| Colorado | $207 |
| Alaska | $210 |
| Minnesota | $216 |
| Oregon | $220 |
| Utah | $223 |
| Louisiana | $229 |
| Illinois | $229 |
| California | $230 |
| New York | $232 |
| Michigan | $233 |
| Massachusetts | $239 |
| Kentucky | $253 |
| Maine | $256 |
| Washington | $259 |
| Arizona | $273 |
| Florida | $279 |
| Virginia | $281 |
| Delaware | $301 |
| Texas | $302 |
| Washington D.C. | $316 |
| Connecticut | $317 |
| Maryland | $323 |
| New Jersey | $340 |
| Nevada | $342 |
| South Carolina | $344 |
| Georgia | $349 |
| Rhode Island | $409 |
Age is one of the most important factors affecting car insurance rates, and young drivers tend to pay a lot more than older ones. We’ve broken down the average rates for different ages of young drivers in the table below.
Age Group | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Teens | $186 | $343 |
| 40-year-olds | $101 | $186 |
| Seniors | $86 | $159 |
Car insurance for teen drivers tends to be more expensive because young drivers are more likely to be involved in an accident than any other age group. But that doesn’t mean you have to just accept sky-high rates.
Here are a few ways teen drivers can save money on car insurance:
Your driving record is one of the biggest factors affecting your car insurance premiums. The best way teens can save money on car insurance is by maintaining a good driving record. They can do this by engaging in safe driving practices and avoiding speeding tickets and other moving violations.
Most insurance companies give young drivers a discount for getting good grades. This is likely because young drivers with good grades are shown to be less of an insurance liability.
Finally, teen drivers will usually pay less for insurance if they drive a safer vehicle. Look for cars with safety features like anti-lock brakes and anti-theft systems.
The deductible is the amount you pay out of pocket before your insurance coverage kicks in. The higher your deductible, the less you’ll pay in insurance premiums.
No single insurance company is the cheapest for everyone, so the best way to save on car insurance is to get quotes from as many companies as possible. We recommend getting quotes every time your policy renews to ensure you’re still getting the best rates.[7]
Discounts are a great way to save money on your monthly auto insurance premiums. Here are the most common car insurance discounts young drivers can take advantage of:
Discount Type | Potential Savings | How to Qualify |
|---|---|---|
| Defensive driving discount | Up to 20% | Complete an approved driving course |
| Good student discount | Up to 25% | Maintain a B average or better |
| Multi-vehicle discount | Up to 25% | Insure multiple vehicles with the same company |
| Safe driver discount | Up to 30% | Maintain a clean driving record |
| Student-away-at-school discount | Varies | Drive your car only while home during breaks |
| Usage-based insurance | Up to 40% | Let your insurer track your driving habits |
| Vehicle safety discount | Up to 23% | Drive a car with safety features like airbags or anti-lock brakes |
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Car insurance companies look at many different factors when determining your insurance premium, which is why rates vary from company to company. Generally, younger drivers have higher car insurance premiums because insurers view them as riskier to insure.
Here are some of the most critical factors affecting young drivers’ rates.
Your driving record: Young drivers are more easily distracted while driving, which increases their likelihood of an accident or other traffic violations and filing claims. In fact, drivers between the ages of 16 and 19 have higher crash rates than any other age group, according to the CDC. Insurers make up for this risk by charging higher premiums.
Where you live: Car insurance rates are more expensive in some areas than in others. Factors such as state laws, ZIP code, population density, crime rates, weather, and a high percentage of uninsured motorists in your area can influence your rates.
Your age: Young drivers have less experience behind the wheel and pose an increased risk to other drivers and insurance companies. So insurers charge younger drivers higher rates than older drivers.
Your gender: Generally, insurers consider men to be higher-risk and more likely to get into a crash compared to women, due to behaviors such as driving under the influence and speeding. Because of this, men often pay slightly higher insurance rates.[8]
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Adding a young driver to your current insurance policy is almost always easier and more affordable than purchasing a separate policy. And some states restrict teens from buying their own insurance policy if they’re under the age of 18.
The average parent saves around 7% by adding a young driver to their policy, according to our analysis. The only time you may need to purchase a separate policy is when the car is listed in the young driver’s name and not yours.
For young drivers, it’s important to find auto insurance that provides the necessary coverage without being a financial burden. Here’s some additional information about how teen drivers can find affordable car insurance.
It depends on your age. But since most new drivers are in their teens or early 20s, Country Financial tends to offer the best rates, according to Compare.com data. That said, your rates can vary by your location, age, and gender.
Country Financial is the cheapest car insurance company for young drivers, with rates starting at $61 per month according to Compare.com data. But your personal rates depend on many factors, like the car you drive and where you live.
You’ll almost always receive the cheapest rates if you add a teen driver to your current insurance policy. The only time teen drivers may need their own policy is when the vehicle is titled in their name instead of their parents’.
On average, Country Financial, Auto-Owners, and USAA are the cheapest options for 18-year-old drivers, with average rates as low as $61 per month. But the exact costs will vary, so it’s important to shop around and compare your options.
Many insurance companies allow you to add your teen to your car insurance at no charge once they receive their learner’s permit. It’s a good idea to talk to your insurer first and start shopping around for policies before they become a licensed driver.
GEICO, Erie, State Farm, American Family, and Progressive are the best auto insurance companies for young adults, according to our analysis. These companies are not only the most affordable, but each one is highly rated for customer service and financial stability.
No. Newer cars tend to be more expensive to insure because they’re more expensive to repair or replace. Young drivers should look for a used vehicle that’s highly rated for safety.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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