Compare 18-Year-Old Driver Car Insurance Rates in 2024 (Top 10 Companies)
Compare best companies for 18-year-old driver car insurance rates with companies like State Farm, USAA, and Progressive. Evaluate affordability, specialized services, and comprehensive coverage to make an informed decision. Obtain quotes, compare, and secure the best rates to maximize savings.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Feb 12, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Compare best companies for 18-year-old driver car insurance rates like State Farm, USAA, and Progressive as the best insurance providers for the coverage rates, options, discounts, and customer reviews.
- State Farm, USAA, and Progressive are the top car insurance companies for 18-year-old drivers, offering affordability, comprehensive coverage, and specialized services.
- Parents can help young drivers by encouraging safe habits, emphasizing good grades, and exploring insurance options with youth discounts.
- Compare rates, consider coverage and discounts, and choose insurers that align with their preferences and needs.
Turning 18 comes with a lot of new responsibilities. In the eyes of the law you’re an adult and are expected to act like one; in many areas you are still treated like a child.
Company | Rank | See Pros/Cons | Maximum Multi-Policy Discount | Maximum Low-Mileage Discount | Best For |
---|---|---|---|---|---|
#1 | State Farm | Up to 17% | 15% | Many Discounts | |
#2 | USAA | 10% | 10% | Military Savings | |
#3 | Progressive | Up to 10% | Up to 30% | Online Convenience | |
#4 | Allstate | Up to 10% | Up to 30% | Add-on Coverages | |
#5 | Nationwide | 10% | Up to 40% | Usage Discount | |
#6 | Geico | Up to 25% | 10% | Cheap Rates | |
#7 | Farmers | Up to 10% | 10% | Local Agents | |
#8 | Liberty Mutual | Up to 25% | 10% | Customizable Polices | |
#9 | Travelers | Up to 13% | 10% | Accident Forgiveness | |
#10 | American Family | Up to 20% | 10% | Student Savings |
As an 18-year-old, car insurance is one of the many areas in which you are penalized just for being young.
Though it is difficult for teens to get cheap car insurance, it’s not impossible.
If you’re in need of insurance, car insurance quotes are just seconds away! Enter your ZIP code and compare quotes from multiple companies right now!
Cheap 18-year-old car insurance might be hard to come by, but if you follow the tips below, you’ll be ahead of the game.
#1 – State Farm: Your Neighborhood Protector
State Farm consistently offers the most advantageous rates for 18-year-old drivers, making it the top choice for affordability, comprehensive coverage, and reliable service.
Melanie Musson Published Insurance Expert
Pros
- Wide range of discounts: State Farm offers a variety of discounts, including multi-policy, good student, and safe driver discounts.
- Excellent financial strength: The company has a strong financial rating (A+) by A.M. Best, indicating reliability.
- Personalized service: State Farm is known for its extensive network of local agents, providing personalized service.
- Many coverage options: Offers a broad range of coverage options, allowing customers to tailor their policies.
- Tech-friendly: State Farm has a user-friendly website and mobile app for easy policy management.
Cons
- Potentially higher rates: Some customers report higher premiums compared to other insurers.
- Limited online quotes: Getting detailed quotes online may require interaction with a local agent.
Read more: State Farm Car Insurance Review
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#2 – USAA: Dedicated to Those Who Serve
Pros
- Military focus: USAA caters to military members and their families, offering specialized coverage and discounts.
- High customer satisfaction: Often ranked highly for customer satisfaction, reflecting the company’s commitment to service.
- Financial stability: USAA has a strong financial rating (A+), instilling confidence in its ability to fulfill claims.
- Competitive rates: Known for providing competitive rates, especially for military personnel.
- Innovative technology: Offers cutting-edge mobile apps and online tools for easy policy management.
Cons
- Limited membership: Only available to military members, veterans, and their families.
- Not available to the general public: Non-military individuals cannot access USAA services.
Read more: USAA Car Insurance Review
#3 – Progressive: Innovative Coverage and Online Convenience
Pros
- Online convenience: Progressive is known for its user-friendly website and robust online tools.
- Snapshot program: Offers a telematics program (Snapshot) that can help safe drivers save on premiums.
- Variety of discounts: Provides various discounts, including multi-policy, safe driver, and online quote discounts.
- Strong financial rating: Has a solid financial rating (A) indicating financial stability.
- Name your price tool: Allows customers to tailor coverage within their budget using the “Name Your Price” tool.
Cons
- May not be the cheapest: While competitive, Progressive may not always offer the absolute lowest rates.
- Customer service variances: Some customers report inconsistent experiences with customer service.
Read more: Progressive Car Insurance Review
#4 – Allstate: Comprehensive Protection and Local Presence
Pros
- Wide range of coverages: Allstate offers an extensive range of insurance options and add-on coverages.
- Drivewise program: Similar to Snapshot, the Drivewise program rewards safe driving habits with discounts.
- Local agents: Has a network of local agents for personalized service.
- Financial strength: Maintains a strong financial rating (A+), assuring customers of its stability.
- Innovative tools: Allstate’s website and mobile app provide innovative tools for policy management.
Cons
- Higher premiums: Some customers find Allstate’s premiums to be on the higher side.
- Mixed customer service reviews: Customer service experiences can vary, with some reporting dissatisfaction.
Read more: Allstate Car Insurance Review
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#5 – Nationwide: Protection for Every Stage of Life
Pros
- Member discounts: Nationwide offers discounts for members of certain organizations and affiliations.
- Vanishing deductible: Allows customers to reduce their deductible over time by maintaining safe driving habits.
- Bundle discounts: Encourages customers to bundle multiple policies for additional savings.
- Financial stability: Holds a strong financial rating (A+).
- Mobile app features: Nationwide’s mobile app offers useful features for policy management.
Cons
- Limited local agents: Some areas may have fewer local agents, impacting personalized service.
- Not the cheapest option: While competitive, Nationwide may not always provide the lowest rates.
Read more: Nationwide Car Insurance Discounts
#6 – Geico: Affordability and Efficiency Combined
Pros
- Affordability: Geico is often recognized for providing competitive and affordable rates.
- Online experience: Offers a straightforward and efficient online quote and policy management experience.
- Wide coverage options: Provides a range of coverage options to suit different needs.
- Good for tech-savvy users: Geico’s online and mobile app interfaces are user-friendly.
- Strong financial rating: Holds a strong financial rating (A+).
Cons:
- Limited agent interaction: Geico primarily operates online, which may not suit those who prefer in-person interactions.
- Discount variability: The availability of discounts may vary by location.
Read more: Geico Car Insurance Review
#7 – Farmers: Your Shield for Comprehensive Coverage
Pros
- Local agents: Farmers has a network of local agents for personalized service.
- Comprehensive coverage options: Offers various coverage options and add-ons for comprehensive protection.
- Claim satisfaction guarantee: Provides a guarantee for a smooth claims process.
- Bundling discounts: Encourages customers to bundle multiple policies for additional savings.
- Financial stability: Holds a strong financial rating (A).
Cons
- Potentially higher rates: Some customers report higher premiums compared to other insurers.
- Mixed customer service reviews: Customer service experiences can vary.
Read more: Farmers Car Insurance Review
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#8 – Liberty Mutual: Tailored Policies for Your Unique Needs
Pros
- Customizable policies: Liberty Mutual allows customers to tailor policies to their specific needs.
- Multi-policy discounts: Offers discounts for bundling multiple policies.
- Tech-friendly: Provides online tools and a mobile app for easy policy management.
- Good student discounts: Encourages and rewards good academic performance.
- Solid financial rating: Maintains a strong financial rating (A).
Cons
- Potentially higher rates: Some customers find Liberty Mutual’s premiums to be higher.
- Limited local agents: Availability of local agents may be limited in certain areas.
Read more: Liberty Mutual Car Insurance Review
#9 – Travelers: Journey With Confidence and Forgive Accidents
Pros
- Accident forgiveness: Offers accident forgiveness, allowing policyholders to avoid rate increases after their first accident.
- Multiple discounts: Provides a range of discounts, including multi-policy and safe driver discounts.
- Strong financial rating: Holds a strong financial rating (A+).
- Mobile app features: Travelers’ mobile app offers convenient features for policy management.
- Convenient online quotes: Customers can easily obtain quotes and manage policies online.
Cons
- Potentially higher premiums: Some customers may find Travelers’ premiums to be higher.
- Not available everywhere: Limited availability in certain regions may affect accessibility.
Read more: Travelers Car Insurance Review
#10 – American Family: Savings for Students and Service for Families
Pros
- Student savings: Offers discounts for students, making it attractive for young drivers.
- Personalized service: Maintains a network of local agents for personalized assistance.
- Bundling discounts: Encourages customers to bundle multiple policies for savings.
- Tech-friendly: Provides online tools and a mobile app for policy management.
- Financial stability: Holds a strong financial rating (A).
Cons
- Potentially higher rates: Some customers report higher premiums compared to other insurers.
- Limited online presence: Online quote and policy management options may not be as extensive as some competitors.
Read more: American Family Car Insurance
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Comparing Average Monthly Rates for 18-Year-Old Driver With Top 10 Car Insurance Companies
When it comes to insuring an 18-year-old driver, navigating through the myriad of options is crucial. Let’s delve into the comparison of monthly rates for minimum and full coverage with the best car insurance companies.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
State Farm | $125 | $284 |
USAA | $88 | $203 |
Progressive | $281 | $662 |
Allstate | $223 | $519 |
Nationwide | $167 | $387 |
Geico | $107 | $254 |
Farmers | $271 | $629 |
Liberty Mutual | $279 | $626 |
Travelers | $310 | $740 |
American Family | $178 | $414 |
Among the top choices, State Farm stands out as a reliable choice, offering reasonable rates at $125 for minimum coverage and $284 for full coverage. Following closely, USAA emerges as a standout option, combining affordability with the most competitive rates at $88 for minimum coverage and $203 for full coverage.
Progressive also warrants attention, providing comprehensive options at a slightly higher premium, showcasing their commitment to comprehensive coverage for 18-year-old drivers. Considering individual needs, driving habits, and the desired extent of protection is crucial in making an informed decision among these top contenders.
Do you need to have car insurance?
In most states, you must provide proof of car liability insurance when applying for a license or permit. This includes having at least $25,000 per person/$50,000 per occurrence for bodily injury liability coverage and no less than $10,000 in property damage liability. You may wish to purchase higher coverage limits than these. If you already hold a valid license or permit, check with your state department of motor vehicles to see whether they require additional proof of insurance.
Also, remember that liability insurance is just the minimum. If you want to have your own injuries and repairs to your vehicle covered, you should add collision coverage and comprehensive coverage to your policy. Adding these additional coverages to your policy will increase your car insurance rates, but you’ll be covered for just about every eventuality.
What is the average price of car insurance for an 18-year-old?
How much you pay for car insurance coverage depends on a variety of factors, including your age, gender, credit history, driving record, and location.
However, the average cost of car insurance for an 18-year-old in the U.S. is an annual premium of around $7,000. An 18-year-old male driver will pay a little more than an 18-year-old female driver, as young women are statistically less likely to be in an accident than young men.
Read more:
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How can parents prepare their 18-year-old children to get discounts on car insurance?
It’s very difficult for young adults to get cheap car insurance. Insurance companies see them as risks, and so their policies can be much more expensive than older adults. But there are ways parents can help their children receive discounts on car insurance when they’re old enough to buy it themselves.
Before your children are 18, you can help them prepare to ask for more reasonable insurance rates by teaching them how to drive safely. Tell them all the stupid things you did when you first started to drive and let them learn from your mistakes. (I know, it doesn’t seem like they are listening, but they really do hear you from time to time.)
Talk to your children about why insurance companies have high rates for teen drivers.
Ask them what common distractions cause teens to get in more accidents than older, more experienced drivers. Have them write a list similar to this:
- Cell phones
- Friends in the car
- Music
- Looking in the mirror/grooming
- Eating
By talking to teens about driving safely, you could be saving them money on car insurance when they become of age. Don’t just focus on driving, though. Teach your children the value of having car insurance and of shopping around for it. Tell them what to do in case there is an accident.
Explain how claims work and how to file one. This, too, will make your children more responsible drivers.
Start young. Pre-teens and younger teens are just waiting for the day when they’ll be holding the keys in their hands. Talking about car safety and the impact it has on insurance will better prepare them for when that day comes.
Also, you might be able to save right now if your insurance provider offers good student discounts.
What can you do before you’re 18 to get cheap car insurance?
Insurance companies offer many discounts to young adults based on their driving records and other less obvious aspects of their lives. A teen driver can put themselves in a better position to receive lower insurance rates by:
- Keeping a clean driving record (safe driving discount)
- Being in good academic standing
- Having a defensive driving course on record
- Proving membership to a club in the community
- Installing safety devices, such as air bags and alarms, in their cars
All these show maturity and might persuade insurers to give an 18-year-old car insurance for a cheaper rate.
How do you save money on car insurance as an 18-year-old driver?
Once you turn 18, there are more ways you can prepare to save on car insurance. Many factors affect how insurers will calculate your premiums. Some are specific to you as a young adult while others are common to all drivers.
- One of the other perks to coming of age is you can apply for and receive your own credit card. This can be beneficial when asking for discounts from your insurance company. Maintaining a good credit score shows insurers you are responsible with your money and pay bills on time.
- Before you buy a car, check how much insurance will cost for it. Insurance companies will set prices based on a variety of factors like the car’s worth, potential repairs, and what types of safety devices are installed. If you want to save on car insurance, it is better to buy based on these factors than on how the car looks.
- Car insurance companies give discounts if clients have multiple plans with them. If you are willing to relinquish some of that independence you probably crave, consider staying on your parents’ insurance policy. It will probably save you money. (For more information, read our “How long can you stay on your parents’ car insurance?“).
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How do you find car insurance quotes online for an 18-year-old driver?
Comparing quotes for car insurance can be a long and tedious task, especially if it’s your first time doing something like it on your own. But this is the best way to find the cheapest car insurance policy. And because you’ve grown up in the age of the Internet, requesting quotes from insurance companies is easier than ever.
Insurers offer free quotes online. By filling out forms on their websites, you can get quotes sent to your email and then compare them. Just make sure you enter exactly the same information on each site to get an accurate comparison.
When you’re looking for quotes, be sure to compare coverage as well as price. Getting cheap car insurance may be your goal, but you don’t want to waste your money on something that won’t help you. Also, be careful about which insurer you choose.
There are many great insurance companies out there, but there are also many others that will charge you a lot for bad service.
Another thing you have to consider is how much you can afford and what payment method is best for you. It’s always better to have the highest deductible that you can because this will lower your monthly premiums. However, you should only get a high deductible if you believe you will have the funds to pay it in the case of an accident.
This is basic information you need to start your search for car insurance as an 18-year-old.
Remember, you can stay on your parents’ policy as long as you want to and they will allow you to. This is generally going to be cheaper than getting your own separate policy.
After you buy a car insurance policy, continue to research discounts and ask your insurance agent about ones that apply to you. Insurers are always developing new discounts and incentives to get more clients, and these can usually be applied to existing policies as well.
You’re an adult and want to be treated as one by receiving car insurance rates that older adults do. Unfortunately, insurance companies won’t give you that luxury until you earn it. But there are ways to save on car insurance policies if you take the time to find them.
Enter your ZIP code on below to receive FREE car insurance quotes from multiple companies today!
Case Studies: Empowering the 18-Year-Old Driver Journey With Best Insurance Providers
Case Study 1: Sarah’s Safe Drive
Sarah, an 18-year-old student, was eager to hit the road. Concerned about high insurance rates, her parents guided her toward State Farm. With a local agent by her side, Sarah learned about State Farm’s good student discount and the benefits of completing a driver’s education course. State Farm provided Sarah with affordable coverage, rewarding her commitment to safe driving.
Case Study 2: Military Savings
Jake, freshly enlisted in the military, sought insurance tailored to his unique needs. Turning to USAA, Jake discovered a company dedicated to those who serve. With competitive rates and military-focused discounts, USAA provided Jake with comprehensive coverage, giving him peace of mind as he embarked on his military career.
Case Study 3: Online Convenience for Tech-Savvy Teens
Alex, a tech-savvy 18-year-old, valued online convenience. Progressive caught Alex’s attention with its user-friendly website and innovative tools. Exploring the Snapshot program, Alex embraced telematics for potential discounts. Progressive’s commitment to online accessibility and cutting-edge technology aligned with Alex’s preferences, making it the perfect fit for a seamless insurance experience.
Frequently Asked Questions
What are the average car insurance rates for 18-year-old drivers?
The average rates are $143.02 per month for boys and $130.10 per month for girls. These rates may vary based on factors like location, driving history, and the chosen insurance provider.
How can parents help their 18-year-old children get discounts on car insurance?
Parents can play a crucial role by teaching safe driving habits, encouraging completion of driver’s education courses, and emphasizing the importance of maintaining good grades. Many insurers offer discounts for these factors.
What steps can 18-year-olds take to get cheap car insurance before they start driving?
Before hitting the road, 18-year-olds can take advantage of discounts by completing driver’s education, maintaining good academic performance, and exploring insurance options that offer discounts for young drivers.
How can 18-year-old drivers save money on car insurance?
Savings can be achieved by comparing quotes from different insurance providers, taking advantage of available discounts (such as good student or safe driver discounts), and considering factors like the type of coverage needed.
What criteria should 18-year-olds consider when finding car insurance quotes online?
When seeking quotes online, 18-year-olds should consider factors such as coverage options, discounts offered, customer reviews, and the ease of online policy management. It’s essential to find a balance between affordability and the desired coverage.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.