12 Best Cheapest Car to Insure for Teenager

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12 Best Cheapest Car to Insure for Teenager

12 Best Cheapest Car to Insure for Teenager

You should take into account several things in addition to the kind of vehicle while looking for the cheapest car insurance for a kid. Age, place of residence, and gender of the adolescent are a few of these variables.

Safety is typically the priority for parents when choosing the finest vehicles for teenagers. The likelihood of causing property damage or injury determines how much insurance for an automobile will cost. estimating risk and safety using insurance costs

You know how it is… you see a car you like, but the Insurance is way too expensive and you can’t afford it. That’s where we come in! We have conducted hundreds of searches on what is the best cheapest car to insure for teenagers and have come up with the results that might interest you.

What is the best starter car for a teenager
12 Best Cheapest Car to Insure for Teenager

Best Cheapest Car to Insure for Teenager

The best way to save money on your car insurance is by keeping your premium low and driving safely. You can do this by avoiding accidents, obeying traffic laws, and getting into an accident less often than other drivers on the road.

If you’re looking for a cheap car insurance policy, consider factors such as the following:

Age of Teenager

Teenagers are more likely than older drivers to be involved in accidents that result in death or serious injury. As a result, teens can see their premiums go up significantly when they get their license. The best way to lower your teen’s rates is by waiting until they’ve been driving for some time and have proven themselves responsible drivers. If you plan on buying them a car soon, try finding one with low mileage before settling on the one that’s right for them.

Driving Record

The better your teen’s driving record, the lower their premiums will be. If they’ve had only minor traffic violations or tickets, they’ll probably be able to afford a better rate than someone who has been convicted of drunk driving or speeding tickets multiple times over many years of driving history.

Adding an adolescent driver to an adult’s vehicle insurance coverage is typically far less expensive than getting a separate policy. Additionally, shopping around and comparing prices from different providers is the best way to find the most affordable coverage.

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Looking at those rates can give you an idea of how much teen driver car insurance costs and how much prices vary, even though it might not always make sense for a teen driver to purchase a stand-alone policy. In light of this

These are the top 12 Best Cheapest Car to Insure for Teenager with yearly insurance rates. Average Annual Car Insurance

    • Toyota Sienna $ 2,808
    • Ford Mustang $ 2,821
    • Mini Paceman: $2807
    • Subaru Legacy: $2792
    • Honda Odyssey: $2788
    • Fiat 500L 19: $2786
    • Smart Fortwo: $2776
    • Volkswagen Routan: $2769
    • Mini Countryman: $2766
    • Volkswagen Golf GTI: $2740
    • Subaru Outback: $2735
    • Mazda MX-5 Miata: $2640

The Cheapest Cars to Insure for Young Drivers – 2017 Teenage Car Insurance Tips

How much is the cost of car insurance for teen drivers?

According to the Insurance Institute for Highway Safety, young drivers are involved in automobile accidents four times more frequently than drivers 20 and older per mile. According to the Centers for Disease Control and Prevention, automobile accidents are also the main cause of mortality for youths in the United States.

All of this equates to increased insurance prices for teenagers, although the exact amount varies on the state where the teen resides, the teen’s age and gender, as well as other criteria including whether or not the teen is the primary policyholder. According to our data, a freshly licensed 16-year-old driver will typically spend 44% more for complete coverage than a more experienced 19-year-old driver.

Here are the typical yearly costs we discovered for both full and minimal coverage, broken down by age, even though the cost of auto insurance for teen drivers varies significantly by state:

19-year-olds: Full Coverage $3,716;  Minimum coverage $1,451

18-year-olds: Full Coverage $4,837;  Minimum coverage $1,938

17-year-olds: Full Coverage $5,373;  Minimum coverage $2,206

16-year-olds: Full Coverage $6,613; Minimum coverage $2,733

Best rates on young drivers’ auto insurance from major carriers

We started by examining major firms that are accessible in practically all states in order to identify the lowest insurers for young drivers.

Allstate, Geico, Progressive, State Farm, and USAA are the top five vehicle insurance providers in the US. USAA, however, only covers veterans, active duty personnel, and their families.

Based on average yearly pricing for both full and minimal coverage, we’ve rated the biggest companies—excluding USAA—from least costly to most expensive below.

Geico
S/N Age Average minimum coverage rate Average full coverage rate
1 19 $916 $2,533
2 18 $1,167 $3,158
3 17 $1,333 $3,566
4 16 $1,574 $4,148
StateFarm
S/N Age Average minimum coverage rate Average full coverage rate
1 19 $1,365 $3,455
2 18 $1,774 $4,414
3 17 $2,007 $4,922
4 16 $2,613 $6,329

 

SEE: 2022 Top 14 Cheapest States for Car Insurance

Allstate
S/N Age Average minimum coverage rate Average full coverage rate
1 19 $1,327 $4,299
2 18 $1,831 $5,545
3 17 $2,278 $6,356
4 16 $2,892 $7,779
Progressive
S/N Age Average minimum coverage rate Average full coverage rate
1 19 $1,417 $3,911
2 18 $2,393 $6,514
3 17 $2,874 $7,684
4 16 $3,460 $9,139

An insurance policy’s origins are irrelevant; local and regional insurers frequently provide the most affordable rates in certain locations. Make careful to compare prices to discover the cheapest insurer in your state before selecting a vehicle insurance provider.

Between Geico, State Farm, Allstate and Progressive which one is best for you?

The four biggest auto insurance providers in the United States are Allstate, Geico, Progressive, and State Farm. All have a long history of operation, have favorable financial strength ratings, and are well-known within the sector.

According to the National Association of Insurance Commissioners, they collectively controlled more than 50% of the market share for personal vehicle insurance plans in 2020.

Geico: Lowest premiums and most tech-friendly

State Farm: Highest customer satisfaction ratings

Allstate: Most coverage options

Progressive: Fewest consumer complaints

Cheapest car insurance for teen drivers by state

Depending on the state, several auto insurance companies provide discounts to young drivers. For instance, the least expensive full coverage cost on average for a juvenile driver in Hawaii is around $950 per year, whereas the least expensive rate on average in Alabama is more over $3,000.

Average cost of car insurance for 16-year-olds

Sixteen-year-old drivers are the most expensive to insure because they are minimally experienced.

Due to the fact that Hawaii prohibits the use of age for determining the price of auto insurance, it is the least expensive state for both full and minimum yearly coverage premiums for 16-year-olds. For a driver of any age, the typical full coverage premium in the state is between $1,000 and $1,100.

Check out the full and minimum coverage costs for 16-year-old drivers in your state.

State Average annual full coverage rate Average annual minimum coverage rate
Alabama $7,286 $2,821
Alaska $5,434 $1,738
Arizona $6,362 $3,259
Arkansas $10,416 $4,150
California $6,184 $2,147
Colorado $7,689 $2,640
Connecticut $10,177 $5,023
Delaware $8,447 $4,503
Florida $8,600 $2,310
Georgia $7,703 $3,502
Hawaii $1,079 $352
Idaho $4,146 $1,654
Illinois $6,131 $2,585
Indiana $4,669 $1,837
Iowa $3,937 $1,192
Kansas $5,342 $1,894
Kentucky $10,596 $4,662
Louisiana $13,409 $5,447
Maine $4,242 $1,799
Maryland $7,451 $3,456
Massachusetts $4,979 $2,020
Michigan $10,423 $5,234
Minnesota $4,315 $1,954
Mississippi $6,657 $2,469
Missouri $8,194 $3,090
Montana $6,988 $2,071
Nebraska $4,728 $1,626
Nevada $9,150 $4,823
New Hampshire $5,232 $2,115
New Jersey $9,561 $3,997
New Mexico $5,773 $2,054
New York $7,904 $4,189
North Carolina $3,173 $1,332
North Dakota $4,819 $1,657
Ohio $4,059 $1,759
Oklahoma $6,973 $2,285
Oregon $5,675 $2,885
Pennsylvania $5,499 $1,988
Rhode Island $11,948 $6,407
South Carolina $6,399 $2,955
South Dakota $4,952 $1,335
Tennessee $5,350 $1,982
Texas $10,210 $4,016
Utah $6,690 $3,097
Vermont $4,765 $1,480
Virginia $5,961 $2,540
Washington $5,113 $2,249
Washington, D.C. $7,242 $3,459
West Virginia $6,034 $2,199
Wisconsin $4,719 $1,765
Wyoming $4,492 $1,379

Average premium for 17-year-olds for auto insurance

Car insurance for a 17-year-old driver will be expensive, while not being as expensive as for a 16-year-old. Just over $5,370 for comprehensive coverage and $2,206 for minimal coverage constitute the national average yearly fee for a 17-year-old.

The lowest yearly average premium for a full-coverage policy for a 17-year-old is $2,660 in North Carolina, which is followed by Hawaii. In Iowa, the least expensive yearly minimum coverage cost for a 17-year-old is slightly over $930. The state with the highest average full coverage premiums for 17-year-olds is Louisiana, where a 12-month full coverage policy costs $9,255. With an average cost of little about $4,070, Michigan has the most costly annual minimum coverage rate.

Check out the typical prices for full and minimal coverage for drivers who are 17 years old in your state.

State Average annual full coverage rate Average annual minimum coverage rate
Alabama $6,400 $2,481
Alaska $4,403 $1,405
Arizona $5,341 $2,693
Arkansas $8,201 $3,033
California $5,730 $1,984
Colorado $6,253 $2,126
Connecticut $7,807 $3,965
Delaware $6,732 $3,597
Florida $7,406 $1,991
Georgia $6,765 $3,198
Hawaii $1,079 $352
Idaho $3,385 $1,342
Illinois $4,817 $2,048
Indiana $3,951 $1,552
Iowa $3,112 $933
Kansas $4,704 $1,649
Kentucky $8,198 $3,675
Louisiana $9,255 $3,761
Maine $3,618 $1,521
Maryland $6,699 $3,108
Massachusetts $4,285 $1,762
Michigan $8,224 $4,068
Minnesota $3,629 $1,637
Mississippi $5,622 $2,090
Missouri $6,067 $2,316
Montana $6,032 $1,749
Nebraska $3,954 $1,339
Nevada $7,559 $3,842
New Hampshire $4,296 $1,777
New Jersey $7,211 $3,115
New Mexico $4,598 $1,651
New York $7,265 $3,867
North Carolina $2,656 $1,073
North Dakota $3,827 $1,315
Ohio $3,298 $1,436
Oklahoma $5,862 $1,901
Oregon $4,280 $2,201
Pennsylvania $4,833 $1,753
Rhode Island $8,395 $4,160
South Carolina $5,356 $2,413
South Dakota $3,992 $1,051
Tennessee $4,442 $1,680
Texas $7,349 $3,048
Utah $5,223 $2,451
Vermont $4,047 $1,210
Virginia $4,734 $2,036
Washington $4,284 $1,903
Washington, D.C. $5,885 $2,787
West Virginia $5,217 $1,905
Wisconsin $3,886 $1,417
Wyoming $3,852 $1,144

The average cost of 18-year-olds’ auto insurance

Just over $4,830 is the national average yearly premium for an 18-year-old driver with full coverage, whereas $1,940 is the average annual rate for minimal coverage. With Hawaii as an exception, North Carolina has the least expensive average full coverage cost at $2,398 per year, while Iowa has the least expensive basic coverage at $812. Full coverage is most expensive in Louisiana, whereas basic coverage is most expensive in Michigan.

Check out the typical prices for full and minimum coverage for 18-year-old drivers in your state.

State

Average annual full coverage rate

Average annual minimum coverage rate

Alabama

$5,728

$2,179

Alaska

$3,947

$1,214

Arizona

$4,790

$1,926

Arkansas

$7,196

$2,541

California

$5,399

$1,856

Colorado

$5,710

$1,902

Connecticut

$7,178

$3,606

Delaware

$5,894

$3,093

Florida

$6,559

$1,774

Georgia

$6,241

$2,945

Hawaii

$1,079

$352

Idaho

$3,063

$1,199

Illinois

$4,300

$1,801

Indiana

$3,474

$1,342

Iowa

$2,771

$812

Kansas

$4,270

$1,464

Kentucky

$7,401

$3,292

Louisiana

$8,213

$3,335

Maine

$3,310

$1,373

Maryland

$6,147

$2,790

Massachusetts

$4,084

$1,680

Michigan

$7,274

$3,702

Minnesota

$3,326

$1,461

Mississippi

$4,928

$1,808

Missouri

$5,480

$2,029

Montana

$5,540

$1,568

Nebraska

$3,623

$1,195

Nevada

$6,941

$3,196

New Hampshire

$3,756

$1,520

New Jersey

$6,290

$2,666

New Mexico

$4,146

$1,420

New York

$6,430

$3,404

North Carolina

$2,398

$907

North Dakota

$3,467

$1,156

Ohio

$2,996

$1,299

Oklahoma

$5,305

$1,712

Oregon

$3,835

$1,953

Pennsylvania

$4,440

$1,595

Rhode Island

$7,111

$3,314

South Carolina

$4,892

$2,175

South Dakota

$3,604

$906

Tennessee

$3,827

$1,425

Texas

$6,673

$2,723

Utah

$4,713

$2,185

Vermont

$3,711

$1,101

Virginia

$4,260

$1,812

Washington

$3,862

$1,684

Washington, D.C.

$5,476

$2,566

West Virginia

$4,711

$1,682

Wisconsin

$3,472

$1,248

Wyoming

$3,465

$976

 

The average cost of 19-year-olds’ auto insurance

Due to the fact that they normally have had their licenses longer and have greater driving experience, teens who drive are the least expensive to insure. For a 19-year-old, the average national yearly premium for a full coverage policy is roughly $3,717. The average cost of a minimal coverage insurance for a year is $1,451.

The least expensive state for a 19-year-old driver, outside of Hawaii, is North Carolina, where full coverage costs an average of $1,490 yearly and minimal coverage costs just under $550. Louisiana, on the other hand, charges more than $6,240 year on average for complete coverage. With an annual average cost of around $2,890, Michigan is the most costly basic coverage insurance for an 18-year-old.

Check out the typical full coverage and minimum coverage costs for drivers under the age of 19 in your state.

State Average annual full coverage rate  Average annual minimum coverage rate 
Alabama $3,994 $1,473
Alaska $3,194 $919
Arizona $3,600 $1,428
Arkansas $5,650 $1,906
California $3,775 $1,283
Colorado $4,235 $1,390
Connecticut $5,105 $2,544
Delaware $4,503 $2,314
Florida $4,850 $1,290
Georgia $4,731 $2,182
Hawaii $1,079 $352
Idaho $2,390 $912
Illinois $3,547 $1,459
Indiana $2,903 $1,106
Iowa $2,346 $653
Kansas $3,413 $1,132
Kentucky $6,101 $2,597
Louisiana $6,242 $2,463
Maine $2,743 $1,111
Maryland $4,916 $2,250
Massachusetts $2,652 $1,052
Michigan $5,677 $2,890
Minnesota $3,014 $1,276
Mississippi $3,669 $1,346
Missouri $4,579 $1,645
Montana $4,201 $1,125
Nebraska $2,860 $879
Nevada $5,465 $2,422
New Hampshire $2,878 $1,145
New Jersey $4,533 $2,001
New Mexico $3,069 $1,024
New York $4,853 $2,443
North Carolina $1,491 $546
North Dakota $2,470 $798
Ohio $2,265 $968
Oklahoma $3,718 $1,163
Oregon $3,004 $1,514
Pennsylvania $3,408 $1,158
Rhode Island $5,332 $2,404
South Carolina $3,728 $1,641
South Dakota $2,637 $658
Tennessee $3,017 $1,105
Texas $5,393 $2,129
Utah $3,572 $1,639
Vermont $3,232 $899
Virginia $3,430 $1,436
Washington $2,994 $1,259
Washington, D.C. $3,925 $1,697
West Virginia $3,697 $1,286
Wisconsin $2,685 $938
Wyoming $2,754 $731

Why is car insurance for young men so expensive?

Young males often have some of the highest vehicle insurance premiums among those with clean driving histories, while young women might pay quite a bit for car insurance. Part of the reason for this is that they lack driving experience and a driving record that insurers may use to determine premiums.

Insurance firms rely on statistics to assess risk and set pricing when they can’t use your driving history to assess how likely you are to submit a claim. Due to his friends’ high claim rates, costly claim rates, or both, a newly licensed youngster experiences hefty insurance quotations.

More often than any other demographic, male youths cause collisions. According to data from the Insurance Institute for Highway Safety, teens between the ages of 16 and 19 are responsible for nearly three times as many fatal accidents as individuals 20 and older. According to the data, teenage boys were responsible for around two-thirds of these collisions in recent years, down from 75 percent in 1975.

Teenagers often have no credit history, are not married, and have not finished as much schooling, all of which can raise the cost of auto insurance in addition to the collision risk.

See below for how the top five auto insurance companies measure up for female and male teen drivers, for both full and minimum coverage plans.

Average annual full coverage rates by gender from the five largest U.S. auto insurers
Company Female teen drivers Male teen drivers
Allstate $5,563 $6,427
Geico $3,126 $3,577
Progressive $6,454 $7,170
State Farm $4,328 $5,232
USAA* $3,253 $3,556
*USAA is available only to military, veterans and their families.
Average annual minimum coverage rates by gender from the five largest U.S. auto insurers
Company Female teen drivers Male teen drivers
Allstate $1,991 $2,174
Geico $1,180 $1,316
Progressive $2,440 $2,632
State Farm $1,759 $2,120
USAA* $1,288 $1,369
*USAA is available only to military, veterans and their families.

How teenagers can save on car insurance

The greatest strategy to reduce your auto insurance costs as a young driver is to enroll in a parent’s or guardian’s insurance plan. If you don’t have that choice, start by comparing many auto insurance quotes to see which one offers the best deal.

Be on the lookout for potential reductions while looking for auto insurance, such as:

good grade reduction. For maintaining a high GPA or receiving all As, several vehicle insurance companies provide reductions.

Discount for defensive driving. Some auto insurance providers may lower your cost if you complete a defensive driving course.

Student discount when away from school. You could be eligible for a student-away discount if you’re a college student or attend school away from home.

What is the best starter car for a teenager?

Obtaining a driver’s license is often a major milestone for teenagers. Other rites of passage for teenagers cannot compare to the pride, the thrill of freedom, or the exhilaration of owning a car. However, having a young driver may not be all that thrilling for parents. Along with the anxiety that comes with having a juvenile driver, parents now have to shoulder the additional cost of purchasing and insuring a vehicle for their teen driver.

Although buying a car is usually a significant investment, there are many alternatives available on the market that can be purchased for a reasonable sum ($10,000 or less), and that have the sturdiness to endure for many years.

The best cars for teenagers

      • Nissan Altima (2014 and newer)
      • Volkswagen Jetta (2016-2017) Below $10,000
      • Ford Focus (2015-2017) Around $10,000
      • Ford Escape (2018-2019) Around $10,000
      • Toyota Camry (2012-2014) Under $10,000
      • Hyundai Sonata (2011 or newer)
      • Honda Civic (2012-2016) More than $10,000

SEE: Top Best Car Insurance Companies of June 2022

Safety and car insurance tips for teen drivers

It’s a fact of life that teens are more likely to be involved in an accident than any other age group. According to the National Highway Traffic Safety Administration, 1 in 100 American teens will be involved in a fatal car accident each year.

This makes it crucial that parents take steps to ensure their children have the best possible chance of staying safe while they’re on the road. Here are some safety and car insurance tips for teen drivers:

Set clear rules for driving, including when you allow your child to drive alone. It’s a good idea to establish clear rules around when your child may drive independently, such as at night or during bad weather conditions. If you don’t want your child driving when you know there’s bad weather coming, let them know that too!

Keep plenty of distance between your vehicle and others on the road. Make sure your teen understands how far away they should be from other vehicles when they’re traveling at high speeds or making turns at high speeds. Also make sure they understand how fast they should be driving in general and what speed limits apply in different areas when they’re behind the wheel.

Make sure your teen’s seatbelt is fastened every time he or she gets into the car.

Make sure your teen knows how much alcohol is bad while driving

Video: Cheapest insurance for young drivers and the top 4 companies to get quotes from

Frequently asked questions

What is the most expensive car to insure for a teenager?

Most expensive cars to insure for teens

Compact cars and vans dominate the list of the most costly vehicles to insure. Between the least costly to insure (Mazda MX-5 Miata) and most expensive (Kia Forte), the yearly insurance premiums differed by more than $640. Surprisingly, some of the most costly vehicles to insure, such as the Kia Forte and Honda Civic, had sticker values around $20,000.

10 The most expensive car to insure for a teenager?

      • Kia Forte $3,282
      • Mini Cooper Hardtop $3,282
      • Mitsubishi i-MiEV $3,282
      • Scion tC $3,268
      • Kia Rio $3,217
      • Hyundai Accent $3,202
      • Mitsubishi Lancer $3,152
      • Ford F-150 $3,146
      • Honda Civic $3,138
      • Hyundai Elantra $3,125

Why is car insurance for a teenager so expensive?

Teen drivers statistically cause more collisions than adult drivers. According to the Centers for Disease Control and Prevention, more than 2,400 minors were killed and 258,000 were injured in traffic accidents in 2019 at a cost of around $13 billion. Rates are determined by insurance companies based on the financial risk involved in covering a motorist. By the time they are in their late teens or early 20s, young drivers with clean driving histories typically see a reduction in their auto insurance costs.

12 Best Cheapest Car to Insure for Teenager
12 Best Cheapest Car to Insure for Teenager

How do I know if a car is safe for my teenager?

The most popular automobiles have safety ratings from the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration. You can look for the best and safest cars for teenagers by visiting the websites of both organizations, which both maintain databases of auto ratings that include older model vehicles.

Are teenagers restricted from driving at night?

Teenage drivers are generally subject to limitations. The laws governing nighttime driving vary from state to state. For instance, young drivers are prohibited from the hours of 10 p.m. to 5 a.m. in Nevada. Only Vermont does not prohibit teenage drivers from operating vehicles at night.

Does states restrict the number of teen passengers in a vehicle driven by a teenager?

The number of adolescent passengers in a vehicle being driven by another teenage passenger is often limited. For instance, in Texas, a young driver is only permitted to carry one passenger who is under the age of 21. The only states with no limitations are Florida, Iowa, Mississippi, and North Dakota. Check out this table from the IIHS for additional information on state-specific adolescent driving limitations.

Parting Words

Going through the process of insuring a new car isn’t always easy and can be more than just a little time consuming. Although it might seem like an inconvenience, the truth is that it’s something that’s important. You need to make sure that you’re getting the best deal possible, especially if you’re insuring a teenager and their first car. Your goal should be to save as much money as you can on your annual premiums so that you can invest it on their behalf.

Remember that there are additional methods to reduce the cost of your teen’s auto insurance when looking for the least expensive vehicle to insure. Your teen’s insurance rates can reduce significantly by conducting some research, getting in touch with your insurance provider directly, and having them practice safe driving behaviors.

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