What Is The Cheapest Car Insurance For Teens?

Updated August, 2020
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The cheapest car insurance for your teen, varies. Your location, their driving history, and the policy type can make a big difference. You should try to add them to your policy for the lowest rates. Expect to be spending roughly $900- $4,500 annually.

The cheapest car insurance for teen drivers by state

To keep it simple, we've compiled a list of each of the 10 most populated states in the US. These states make up roughly 54% of the population in the country. This gives you a good jumping-off point when researching insurance. Don't see your state? Fill out our online form to get an exact quote here.

The numbers are an annual average based on couples with a teen daughter vs couples with teen son.

State Adult Couple With Daughter With Son
California $1,150 $3,974 $4,684
Florida $2,267 $4,401 $5,025
Georgia $1,436 $2,668 $3,123
Illinois $1,008 $1,946 $2,173
Michigan $2,270 $3,947 $4,082
New York $1,706 $2,949 $3,544
North Carolina $933 $1,826 $1,863
Ohio $934 $1,869 $2,125
Pennsylvania $1,165 $2,137 $2,137
Texas $1,407 $2,654 $2,916

Is it better to insure your teen on your existing policy or a separate policy?

Usually, it is cheaper to add a teen to your existing policy than to get separate insurance for the young driver. Some insurance companies will raise everyone's rate in the policy when trying to add a teen.

So it may still be cheaper to have the whole family on the same policy, just a different one from what you have. By keeping your teen on your policy, you can take advantage of certain discounts (i.e a multi-vehicle discount).

Why is car insurance for young men so expensive?

Insurance companies decide on rates based on how risky they perceive the driver to be. On average, male teens cost about 16% more than young women drivers. According to the Insurance Institute for Highway Safety, teens between 16-19 cause 3 times as many car accidents as adults 20 and over. Of these crashes, young men are responsible for roughly two-thirds.

Money-saving tips for teen car insurance

Below are some easy discounts most people can qualify for. Be sure to take advantage of any discounts you can to lower your rates as much as possible.

  • Good Student Discounts- By having good grades, your teen demonstrates understanding responsibility. This qualifies them for a discount with most insurance companies.
  • Defensive Driving Class- Look into discounts offered to teens who take part in "Driver's Ed" or similar courses.
  • Occasional Operator- Does your teen only drive limited hours such as to and from school? You can add them to your vehicle insurance as an "Occasional Operator" to receive a discount.
  • Student Away- For students who are "away at school", some companies will lower your rates when they are not home.
  • Low-Mileage- If you know your teen won't be driving often, ask your insurer about a low-mileage discount. This is something almost anyone can take advantage of, not just teens.
  • Anti-Theft Devices- Some insurers offer a discount when you install an anti-theft device in your vehicle. The discount will vary on your state and the type of anti-theft device.
  • Bundling Home and Auto Insurance- A lot of insurers will offer discounted insurance bundles. Consider insuring your home and auto together for a lower rate.
  • Safe Driving- With today's technology, you can download apps that monitor your teen’s driving habits. Some insurer's give discounts for good driving while using these apps.

How to begin your search

We recommend starting off with pricing your current provider. Placing your teen on the same policy will most likely be the best option. However, it's still worth considering separate policies while pricing companies. Don't hesitate to inquire about the above-listed discounts to get the best rate. Your search should encompass a large number of insurers.

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