18-Year-Old Car Insurance

18-year-old car insurance rates are $143.02/mo for boys and $130.10/mo for girls. Discounts for completing drivers education and maintaining good grades can help lower 18-year-old car insurance rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • Parents can help their 18-year-olds find discounts by teaching them the keys to safe driving
  • Insurance rates for 18-year-olds are $143.02/mo for boys and $130.10/mo for girls
  • There are ways to prepare for insurance discounts before you’re ever behind the wheel
  • Your credit score is one thing insurance companies monitor when considering coverage rates
  • You can start your search for car insurance online today

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.

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.

Parents Can 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.

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Before You’re an 18-Year-Old: Car Insurance Discounts in the Making

Insurance companies offer many discounts to young adults based on their driving records and other less obvious aspects of their lives. Teens can get themselves in a better position to receive lower insurance rates by:

  • Keeping their driving record clean
  • Being in good academic standing
  • Having a driving course on record
  • Proving membership to a club in the community
  • Installing safety devices, such as airbags 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.

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The Money Wise 18-Year-Old: Car Insurance Savings

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.

Learning as an 18-Year-Old: Car Insurance Quotes Online

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.

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!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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