Cheapest Car Insurance for Teens (2024)

COUNTRY Financial, Hugo, and NJM offer the cheapest car insurance for teen drivers, but they may not be available in every state.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated April 15, 2024

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Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $44/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on April 15, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance for teen drivers costs more than coverage for any other age group. Insurers charge more to cover teenagers because young drivers have a greater risk of getting into an accident.[1]

But teen drivers can lower their rates by taking approved driver safety courses, choosing a lower-value car with safety features, and staying on their parents’ insurance policy. It’s also important for teen drivers and their parents to compare rates from multiple auto insurance companies.

Regional insurers like COUNTRY Financial may offer the lowest rates in your area. Nationally, GEICO often has comparatively low rates for teen drivers.

Quick Facts
  • On average, teen drivers pay $369 per month for full coverage and $180 for liability-only car insurance.

  • Per mile driven, drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers 20 and older, according to the Centers for Disease Control and Prevention (CDC).

  • Discounts for taking driver’s education courses and for students away at college can help families reduce the cost of insuring a teen driver.

Cheapest car insurance for teenagers on their own policy

COUNTRY Financial offers the cheapest rates for teen drivers, with full-coverage rates as low as $48 per month and $22 per month for minimum-coverage policies.

The following table illustrates average monthly rates from top insurers for teen drivers buying their own insurance policies.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
COUNTRY Financial4822
NJM8051
Hugo9887
Auto-Owners12859
Root13082
USAA15370
GEICO16474
Erie178107
State Farm19189
Metromile196124
Mile Auto217116
Safeco225119
CSAA226142
Allstate241109
Progressive261146
Clearcover265158
Elephant271152
American Family283125
Mercury290158
Nationwide307140
Liberty Mutual327154
Shelter328182
Dairyland339123
The General354163
State Auto358178
National General360160
Travelers361164
Direct Auto370181
The Hartford388247
Farmers425188
AssuranceAmerica425244
21st Century425192
Amica431263
Bristol West449200
GAINSCO477219
Anchor479187
Chubb484224
Foremost499247
Infinity513313
Commonwealth Casualty532203
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest car insurance for teenagers added to a policy

Most teen drivers start out on their parents’ car insurance policies. That’s because teens can’t legally buy a separate policy without the written consent of a parent or guardian.

The good news is that it’s typically cheaper to add a teenager to their parents’ policy. For example, Insurify data shows the overall average cost of full coverage for a teen buying their own policy is $372 per month. But if that teen stays on their parents’ policy, their monthly premium is just $284 — $89 less.

Cheapest teen car insurance by state

Location is also a factor that determines car insurance rates. Insurance premiums can vary from state to state, and even by ZIP code within most states.

The following table illustrates overall average quotes for teen drivers in the three cheapest states for teen car insurance.

StateAverage Monthly QuoteCheapest InsurerCheapest Quote
North Carolina$82Midvale Home & Auto$36
Wisconsin$99USAA$22
Indiana$104Auto-Owners$27
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance companies for teenagers

To determine which car insurance companies are the best for teens, Insurify’s data team considered two main factors: cost and safety. To start, we looked at which insurance companies charge the least for teen drivers. All these insurers offer discounts for teens or young adult drivers, and many discounts encourage good grades and driving behavior.

We also included auto insurance companies that provide resources to help teens develop better driving habits and offer discounts to teens who pursue driving education.

Here’s a closer look at some of the best car insurance companies for teenagers and what parents need to know about each option.

Insurance CompanyBest forAverage Quote: Full-CoverageIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
GEICOLow rates, national coverage$1644.2
HugoOn-demand coverage$983.3
USAAMilitary families$1534.5
MetromileLow-mileage teens$1963.3
State FarmBuilding better driving skills$1914.5
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

GEICO: Best for low rates and national availability

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$119/mo

Among the nationally available companies Insurify reviewed, GEICO offers the lowest rates for teen drivers.

If you’re not able to find lower rates from a regional insurer in your area, GEICO is a solid choice for its low rates, strong AM Best financial strength rating, and lower-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index. Owned by Berkshire Hathaway, GEICO is the third-largest U.S. auto insurer by market share.[2]

Pros
  • National availability and competitive rates for teens

  • Good student and good driver discounts

  • Robust mobile app

Cons
  • Gap insurance not available

  • Few local agents

  • Rates can be high for drivers with traffic violations

Read our GEICO review
Andy - April 15, 2024
Verified

Unexpected Rate Increase

I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.

Jerrett - April 15, 2024
Verified

Poor

Too expensive.

Randy - April 15, 2024
Verified

Good

It's a good company, but I feel the price keeps going up.

Hugo: Best for on-demand coverage

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$48/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.
$54/mo

If your teen doesn’t drive often, and your insurance situation is flexible, Hugo may be an option. Hugo’s Flex policies allow drivers to pause and restart coverage at any time, free of charge. You can also buy coverage for as few as three days.

Keep in mind, though, that you won’t be able to use Hugo’s Flex plan if you require full coverage — for example, if you lease or finance your vehicle.

Pros
  • Short-term policies available for some drivers

  • No down payment required

  • Low monthly payment plans

Cons
  • Available in only 13 states

  • Flex plan only offers liability coverage

  • No available discounts

Read our Hugo review
Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.

USAA: Best for military families

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$46/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.
$100/mo

Teen drivers with one or both parents in the military may find low rates, good customer service, and teen-friendly discounts with USAA. In addition to savings for being a good student discount and covering multiple cars, USAA offers the MyUSAA legacy discount for first-time policy buyers whose parents also have a policy with USAA.[3]

Pros
  • Highly rated for customer service

  • Competitive rates

  • Teen-friendly discounts

Cons
  • Only available to active-duty military members, veterans, and their immediate family

  • No 24/7 customer phone support

  • Gap coverage not available

Read our USAA review
Joseph - April 13, 2024
Verified

Excellent

It has been very good for a long time.

Candace - April 12, 2024
Verified

USAA Didn't Look Out for Me!

I was overcharged and rated incorrectly.

Robert - April 11, 2024
Verified

Good, Except for Glass Claims!

It's expensive.

Metromile: Best for low-mileage teen drivers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$76/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.
$120/mo

Metromile’s pay-per-mile car insurance uses a telematics device to track actual miles driven and base premiums on monthly mileage. Low-mileage drivers can realize significant savings by only paying for the miles they actually drive each month.

Just like standard insurance companies, Metromile offers liability-only coverage, full coverage, and optional coverages like roadside assistance and glass repair.

Pros
  • Pay-per-mile cost could help low-mileage drivers save

  • Robust mobile app for tracking insurance costs

  • Pet injury protection included in most full-coverage policies

Cons
  • Available in only eight states

  • Much higher-than-average number of complaints with the NAIC

  • Trustpilot rating of just 1.7 stars (out of 5)

Read our Metromile review
Danielle - March 1, 2024
Verified

In the beginning, you're happy, and then you're not!

My experience was great in the first year. I saved quite a bit. However, after the first year, my rate went up significantly and I'm not happy about it. I'm looking for alternatives!

State Farm: Best for building better driving skills

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$116/mo

Teen drivers using State Farm’s Drive Safe & Save mobile app can potentially save up to 30% while learning how to drive more safely. If those good driving habits stick, drivers younger than 25 who haven’t been involved in any at-fault accidents or incurred any moving violations within the past three years can save as much as 15% with State Farm’s Steer Clear program.[2]

Another convenient and cost-saving feature State Farm offers drivers is a student-away-at-school discount. If your child is away at college and only drives their car during school vacations and holidays, you can save on your policy.

Pros
  • High customer satisfaction rates

  • Potential rewards for good driving

  • Competitive rates with national availability

Cons
  • Gap insurance not available

  • Can’t buy a policy online — must go through a local agent

  • Mixed online customer reviews

Read our State Farm review
Charles - April 15, 2024
Verified

What an Experience

It's too expensive.

Rose - April 15, 2024
Verified

So-So Customer Service

Mediocre. Calls to the office are neither answered nor returned. In addition, a recent rate increase has caused me to start shopping for another insurer.

Shawn - April 15, 2024
Verified

State Farm for the Win

Simply fantastic.

Find Cheap Car Insurance for Teen Drivers

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Average cost of car insurance for teen drivers

Other factors besides age and location can affect the cost of car insurance for teenagers, including the type of vehicle they drive, their driving record, and their gender.

Teenage boys typically have higher car insurance costs than teenage girls. Male drivers of any age tend to pay more for car insurance because they engage in riskier driving behaviors, like speeding, more frequently than female drivers, data shows. In fact, the latest available data indicates 2 out of 3 teens killed in car crashes are boys.[4]

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Insurance CompanyMale Liability OnlyMale Full CoverageFemale Liability OnlyFemale Full Coverage
COUNTRY Financial22472043
NJM38593455
Auto-Owners40863678
USAA471034597
Hugo52584450
GEICO5612352115
State Farm5612052112
Erie58965694
Mile Auto5911053100
Root651025994
Allstate6514461134
Safeco7113461116
Metromile7812474116
American Family7917775171
National General8418974165
Mercury8615980147
Progressive8715575135
Nationwide8719183183
Dairyland8924679216
Clearcover9115285142
CSAA9114587139
Travelers9320587191
Liberty Mutual9921193197
Direct Auto10321191185
Elephant10418794167
Anchor105269103263
Shelter112201108195
Farmers113255107243
Chubb122263112243
The General123266107234
21st Century125275121269
AssuranceAmerica126219112195
Commonwealth Casualty127332107282
GAINSCO129281113245
The Hartford129203101159
Bristol West133298125282
Foremost145292129262
Amica183300171280
Infinity202330194318
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Advice from the experts

Editor Insights

Evelyn Pimplaskar

Evelyn Pimplaskar

Linkedin

Editor-in-Chief, Director of Content, Insurify

Adding my 17-year-old son to my car insurance more than doubled my annual premium. After he had an at-fault accident that totaled the car, our premium quadrupled. 

I shopped around for a better rate and found it with an insurance company that specializes in covering high-risk drivers. My husband’s and my excellent credit, clean driving records, and great payment history offset the negative effect of having a teenage driver on our policy.

View less

How age affects car insurance rates

Age is a significant factor in determining auto insurance premiums. Companies consider younger drivers riskier to insure due to their lack of experience on the road, tendency to be easily distracted, and higher accident frequency — all factors that increase their likelihood of filing a claim.

As young drivers mature and gain experience, their car insurance rates tend to fall. Rates start to climb again around age 70, when age-related issues like vision and mobility challenges can put drivers at higher risk of accidents.

Rates by Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get cheaper car insurance for teenagers

Teen drivers and their parents can take steps to reduce their car insurance costs, including:

  • Compare rates from multiple insurers. Insurance rates can vary between companies. Comparing multiple quotes is the best way to find the coverage you need at a price you can afford.

  • Learn to drive safely. Many insurers offer discounts for teen (and adult) drivers who complete approved driver-safety courses.

  • Lean into discounts. Most insurance companies offer multiple discounts that can help families with teen drivers save, such as good student discounts, multi-vehicle discounts, bundling (home and auto) discounts, and more.

  • Choose the right vehicle. The year, make, model, and safety features of your vehicle affect car insurance rates. Pick a lower-value, reliable, and safe vehicle for your teen driver. Be sure your insurer assigns your teen to the least-expensive car on your policy.

  • Consider adjusting your deductibles. If you have full-coverage car insurance, raising your collision and comprehensive deductibles will reduce your monthly premium. Just be sure you can afford to cover the deductible amount out of pocket in case of an at-fault accident.

First-Time Car Insurance: Cheap Car Insurance for First-Time Drivers

First-Time Car Insurance: Cheap Car Insurance for First-Time Drivers

Car insurance discounts for teenagers

Many different auto insurance discounts are available for teenagers and their families. The following table shows some examples of discounts popular auto insurers offer.

DiscountHow to Be EligibleSavingsCompanies That Offer It
Good studentEarn a certain GPA or meet other academic standards20–25%SafeAuto, USAA, Auto-Owners
Multi-vehicleInsure multiple vehicles on one policy7%–25%USAA, State Farm, COUNTRY Financial
New-carDrive a vehicle no more than 3 years old10%–15%GEICO, USAA, Allstate
Defensive driving courseComplete an approved driver education course5%GEICO, State Farm, COUNTRY Financial

Car insurance for teens FAQs

Insuring a teenager driver can be expensive, so it’s a smart idea to learn as much as you can about the best and cheapest car insurance for teen drivers. Here are some answers to commonly asked questions about teenagers and car insurance.

  • Why is car insurance for teens so expensive?

    Car insurance companies charge more for teenage drivers due to the higher risk that teens will get into an accident that results in a claim. Young drivers are more likely to drive without a seatbelt, text while driving, speed, and be involved in a fatal crash.

  • What car insurance company is the cheapest for teenagers?

    COUNTRY Financial offers the lowest car insurance rates for teen drivers, with full coverage as low as $48 per month. GEICO is the national insurer with the cheapest rates for teen drivers.

  • Does adding a teenage boy cost more than adding a teenage girl?

    While adding a teen driver to a parent’s policy is the cheapest way to insure them, it does cost more to insure a teenage boy. Teen boys are much more likely to be involved in fatal accidents than girls, more likely to speed, and more likely to drive under the influence of alcohol or drugs, according to CDC data.

  • How much does it cost to add a teen to your car insurance?

    To better understand how much it can cost to add a teen to your car insurance policy, let’s look at the monthly cost of auto insurance for different family structures.

    The following data is sourced from Insurify’s proprietary database:

    • Monthly cost of two parents plus a teen driver: $599 per month for full coverage, $296 for liability only

    • Monthly cost of two parents: $316 for full coverage, $157 for liability only

    • Monthly cost of teen driver on their own policy: $372 for full coverage, $184 for liability only

  • What are the cheapest cars to insure for first-time drivers?

    The best cars for teen drivers have safety features that protect the vehicle’s occupants in case of a crash, and that can help lower car insurance costs. Putting teen drivers in lower-value vehicles, rather than high-value luxury models, can also help hold down premiums. Examples of good cars for teens include Honda Civic, Subaru Outback, and Nissan Pathfinder.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Quoted rates reflect the average cost for drivers younger than 20 with a clean driving record.

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident

  • Property damage limits between $10,000 and $50,000

  • No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

  • Comprehensive coverage with a $1,000 deductible

  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Auto insurance for teen drivers."
  2. National Association of Insurance Commissioners. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2022 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
  3. USAA. "You may qualify for discounts and savings.."
  4. Insurance Institute for Highway Safety. "Fatality Facts 2021 Teenagers."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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