Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The best car insurance for 18-year-olds is from Geico, Progressive, and Travelers. These car insurance companies offer competitive rates, receive good customer reviews, and have discounts that 18-year-old drivers may be eligible for.
Best Car Insurance Companies for 18-Year-Olds
| Company | Annual Premium | WalletHub Editor Rating |
| $1,428 per year | 4.5/5 | |
| $1,757 per year | 4.3/5 | |
| $1,279 per year | 3.8/5 | |
| [ct-CA-Auto-owners-p17-annual] | 3.6/5 | |
| $1,471 per year | 3.4/5 | |
| $1,253 per year | 3.3/5 | |
| $1,630 per year | 3.2/5 | |
| $2,197 per year | 3.2/5 | |
| $2,063 per year | 3.1/5 | |
| $2,496 per year | 2.8/5 |
Note: Rates are an approximation based on an 18-year-old driver in California with minimum coverage and a good driving record. Actual rates will vary.
The average cost of car insurance for an 18-year-old is $2,205 per year. However, car insurance rates are determined by many more factors than just age, including ZIP code, driving history, and your state’s minimum coverage requirements.
To find the best car insurance for an 18-year-old driver, you should compare quotes from at least three companies, like the ones listed above, to make sure you are getting the best rate possible. You should also read company reviews and look for discounts that you may be eligible for.
To learn more, check out WalletHub’s picks for the best car insurance companies overall.
People also ask
What is the cheapest car insurance for a 18-year-old?
The cheapest car insurance for a 18-year-old is from Travelers, Grange, and USAA. These companies charge 18-year-old drivers an average of $1,419 per year, which is 71% less than the average premium for a 18-year-old overall.
Cheapest Car Insurance for a 18-Year-Old
- Travelers: $1,347 per year
- Grange: $1,356 per year (not available in every state)
- USAA: $1,554 per year
- Mercury: $1,676 per year (not available in every state)
- ...
How much is full coverage car insurance for 18-year-olds?
A full coverage car insurance policy for an 18-year-old is about $4,790 per year, on average. In comparison, an auto insurance policy with the state-minimum level of coverage costs about $2,325 per year for an 18-year-old.
Car Insurance Premiums for 18-Year-Olds
| Age | Full Coverage | Minimum Coverage |
| 18 years old | $4,790 per year | $2,325 per year |
| 16 years old | $9,160 per year | $3,192 per year |
Why is my car insurance so high?
Common reasons for high car insurance costs include your driving record, age, coverage options, where you live, the car you drive, your credit history or not taking advantage of discounts. The average car insurance premium has also become more expensive as it increased by more than 50% in the past 10 years.
8 Reasons Why Your Car Insurance Is So Expensive
1. You Have a Poor Driving Record
Your driving record is probably...
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