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Finding the cheapest car insurance for your teen driver is tremendously important. Since teenagers are inexperienced drivers, they’re considered very risky to insure, and policies can cost thousands of dollars a year.
Typically it’s a lot cheaper to include your teen daughter or son on your policy than it is to purchase a separate policy, because you’ll benefit from multi-driver discounts. And the best way to find the cheapest coverage is to shop around and get quotes from multiple companies.
To give you a sense of how much car insurance costs when you add a teen driver to your policy and how much prices vary, NerdWallet looked at car insurance rates in the 10 largest states in the U.S. by population for married 50-year-old couples with and without teenagers. We examined rates among some of the largest companies and averaged prices from every ZIP code in each state for both 18-year-old men and women on their parents’ policies.
Cheapest car insurance for teen drivers from large companies
To determine the cheapest insurers for teen drivers, we looked at large companies that are available in many states and can serve the most consumers.
The five largest private auto insurance companies in the country are Allstate, Geico, Progressive, State Farm and USAA. However, USAA insures only active military members, veterans and their families — so the rest of us need to choose a different company.
We’ve ranked the largest companies, excluding USAA, from cheapest to most expensive based on average annual prices.
- State Farm had an annual rate of $2,539 for couples with a daughter and $2,761 for couples with a son, on average.
- Geico had an annual rate of $2,599 for couples with a daughter and $2,871 for couples with a son, on average.
- Allstate had an annual rate of $3,031 for couples with a daughter and $3,299 for couples with a son, on average.
- Progressive had an annual rate of $3,328 for couples with a daughter and $3,678 for couples with a son, on average.
NerdWallet found rates for each of these large companies in all 10 states, with one exception: This analysis doesn’t include rates for Progressive in California.
Being large doesn’t make these better — smaller statewide and regional insurers often have the cheapest rates in their area. That’s why it’s also helpful to see which is the cheapest in each state we analyzed, even if you don’t live in one of them.
Additionally, even though State Farm was cheaper for families, Geico was cheapest among large companies for couples without a teen driver — by more than $200 per year, on average. It just goes to show that shopping around for insurance quotes can really pay off, especially when something important changes, like the drivers on your policy.
» MORE:Allstate, Geico, Progressive or State Farm: Which one is best for you?
Cheapest car insurance for teen drivers by state
Using the cost of a family policy for both male and female teen drivers, we’ve ranked the cheapest car insurance companies in the 10 most populous states. These states make up about 54% of Americans, according to the most recent data from the U.S. Census Bureau.
Below are the cheapest three car insurance companies in each state for policies that include a teen driver. You can also see how much rates increased when a teen was added.
Cheapest insurance for teen drivers in California
In California, the cost of car insurance for a couple without children on the policy was $1,510 per year, on average. The average rate for couples with an 18-year-old daughter was $3,974 per year and $4,684 per year for couples with a son — making it the priciest state for teen drivers.
The three cheapest companies for couples with a teen driver were Farmers, Mercury and State Farm. For couples with a daughter, Farmers was the cheapest, at $2,287 per year, while State Farm was cheapest for couples with a son, at $2,709 per year, on average.
| Cheapest three companies | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Farmers | $2,287 | $680 |
| 2. State Farm | $2,462 | $786 |
| 3. Mercury | $2,557 | $1,104 |
| 1. State Farm | $2,709 | $1,033 |
| 2. Mercury | $2,839 | $1,386 |
| 3. Farmers | $3,653 | $2,045 |
Cheapest insurance for teen drivers in Florida
The annual average price in Florida for car insurance is $2,267 for a married 50-year-old couple with no children on the policy. For couples with an 18-year-old daughter, the average car insurance rate was $4,401 per year, and for those with a son the same age, it was $5,025 per year.
State Farm was the cheapest company for adding a teen driver to the policy, with an average annual price of $2,633 for a couple with a daughter and $2,910 for a couple with a son.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. State Farm | $2,633 | $1,064 |
| 2. Allstate | $2,881 | $918 |
| 3. Geico | $3,488 | $1,331 |
| 1. State Farm | $2,910 | $1,341 |
| 2. Allstate | $3,378 | $1,415 |
| 3. Geico | $4,336 | $2,179 |
Cheapest insurance for teen drivers in Georgia
Auto Insurance
We found an average car insurance rate of $1,436 per year for a couple in Georgia with no children on the policy. For couples with an 18-year-old daughter, the annual rate was $2,668, and for couples with a son it was $3,123, on average.
USAA, which is available only to military members, veterans and their families, was the cheapest for couples with a teen, at $1,758 per year with a daughter and $2,043 with a son, on average.
Among widely available companies in the state, Georgia Farm Bureau was the cheapest for couples with a teen driver added, at $1,990 per year for couples with a daughter and $2,794 per year for couples with a son, on average. To get a policy, you’ll need to purchase a Georgia Farm Bureau membership, which costs up to $75 per year but comes with discounts on travel, theme parks, vehicle purchases and more.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Georgia Farm Bureau | $1,990 | $781 |
| 2. State Farm | $2,541 | $868 |
| 3. Allstate | $2,557 | $1,095 |
| 1. Georgia Farm Bureau | $2,794 | $1,585 |
| 2. Allstate | $2,946 | $1,484 |
| 3. State Farm | $2,958 | $1,286 |
Cheapest insurance for teen drivers in Illinois
The average auto insurance rate for a 50-year-old married couple in Illinois is $1,008 per year, according to our analysis. For the same couple with an 18-year-old daughter on the policy, the price was $1,946 per year, and for a son it was $2,173 per year, on average.
Geico was the cheapest company in Illinois for a couple with a teen driver, at $1,504 per year with a daughter and $1,624 per year with a son, on average. State Farm, Country and Farmers also returned low insurance rates for young drivers on their parents’ policy.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Geico | $1,504 | $859 |
| 2. State Farm | $1,689 | $706 |
| 3. Country | $1,829 | $804 |
| 1. Geico | $1,624 | $980 |
| 2. State Farm | $1,994 | $1,012 |
| 3. Farmers | $2,017 | $879 |
Cheapest insurance for teen drivers in Michigan
In Michigan the average car insurance rate for a married 50-year-old couple was $2,270 per year. The price for that couple after adding a teen daughter was $3,947 per year and $4,082 per year for adding a teen son, on average. Most companies’ rates didn’t differ much between sons and daughters (if at all) because gender-based pricing is banned in parts of Michigan.
Geico was the cheapest for parents in Michigan with a young driver, at $2,220 per year for either an 18-year-old son or daughter, on average. Auto-Owners and AAA also make the list of the cheapest three; note that AAA insurance requires an annual membership but comes with roadside assistance services and travel discounts.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Geico | $2,220 | $780 |
| 2. Auto-Owners | $2,413 | $592 |
| 3. AAA | $2,557 for a daughter, $2,591 for a son | $780 for a daughter, $814 for a son |
Cheapest insurance for teen drivers in New York
The average price for a married, 50-year-old couple in New York was $1,706 per year in our analysis. Adding a daughter gave an average annual price of $2,949, while adding a son changed the policy price to $3,544 per year, on average.
New York Central Mutual was the cheapest company in the state for teen drivers, returning an average annual price of $2,142 for couples with a daughter and $2,274 for couples with a son.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. New York Central Mutual | $2,142 | $453 |
| 2. Geico | $2,185 | $441 |
| 3. Allstate | $2,216 | $865 |
| 1. New York Central Mutual | $2,274 | $585 |
| 2. Allstate | $2,551 | $1,200 |
| 3. Geico | $3,012 | $1,268 |
Cheapest insurance for teen drivers in North Carolina
The annual car insurance rate for a 50-year-old married couple in North Carolina was $933, on average. When we added an 18-year-old daughter to the policy, the price was $1,826 per year, on average. With a son, the price was only slightly higher, at $1,863 per year, on average, because one company gave different prices for male and female teens, even though gender-based pricing is banned in North Carolina.
Erie was the cheapest company in North Carolina for couples with a teen driver, at $1,314 per year, on average. The second-cheapest is North Carolina Farm Bureau, which requires an annual membership fee of $25 but comes with discounts on things like prescriptions and hotels, among many others.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Erie | $1,314 | $500 |
| 2. North Carolina Farm Bureau | $1,381 | $552 |
| 3. Progressive | $1,474 | $1,153 |
Cheapest insurance for teen drivers in Ohio
The average car insurance rate in Ohio for married couples, both age 50, was $934 per year. Adding a teen daughter increased the policy price to $1,869 per year, while adding a son made the policy $2,125 per year, on average.
Geico was the cheapest car insurance company in Ohio for teen drivers, with an average annual rate of $1,127 for couples with a daughter and $1,194 for couples with a son.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Geico | $1,127 | $547 |
| 2. Nationwide | $1,330 | $429 |
| 3. Erie | $1,528 | $782 |
| 1. Geico | $1,194 | $614 |
| 2. Nationwide | $1,498 | $597 |
| 3. Allstate | $1,698 | $678 |
Cheapest insurance for teen drivers in Pennsylvania
In Pennsylvania, the average annual car insurance rate for couples was $1,165. For couples with a teen on the policy, either male or female, the average price was $2,137 per year. Pennsylvania doesn’t allow gender-based pricing.
Geico was the cheapest insurer in Pennsylvania for teen drivers, with an average annual rate of $1,553 per year for the family.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Geico | $1,553 | $714 |
| 2. Erie | $1,630 | $708 |
| 3. Nationwide | $1,825 | $625 |
Cheapest insurance for teen drivers in Texas
In Texas, the annual car insurance rate for a 50-year-old couple was $1,407, on average. Adding a daughter raised the premium to $2,654 per year, while adding a son changed the price to $2,916 per year, on average.
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USAA was the cheapest insurer in the state for teen drivers, at $1,733 per year with a daughter and $1,871 per year with a son, on average. However, USAA is available only to active military members, veterans and their families.
Among widely available companies in Texas, the cheapest insurer we found was Nationwide, which had an average annual price of $2,228 for families with a daughter and $2,491 for families with a son.
| Cheapest companies for a family with a teen | Average annual price | Cost above couples' policy |
|---|---|---|
| 1. Nationwide | $2,228 | $902 |
| 2. Geico | $2,415 | $1,154 |
| 3. State Farm | $2,519 | $1,101 |
| 1. Nationwide | $2,491 | $1,165 |
| 2. Geico | $2,632 | $1,371 |
| 3. State Farm | $2,664 | $1,246 |
Average cost of car insurance for 18-year-olds
Even if you don’t live in one of the states above, averages can help you know what to expect when adding a young driver to your policy.
We found that in those states, a married couple, both age 50, would pay about $1,443 per year on average for car insurance with two vehicles and no teenager on the policy. Adding:
- An 18-year-old woman increases the parents’ annual premium by $1,369, for a total of $2,812 per year, on average.
- An 18-year-old man increases the annual rate by $1,704, for a total of $3,147 per year, on average.
The highest price we saw for a couple with a teen daughter was $8,804 per year, on average. The highest rate we saw for a couple with a teen son was $9,686 per year, on average. Both prices were found in Florida.
The cheapest insurance rates for teen drivers were found in Ohio, where the lowest price for couples with a daughter was $1,127 per year, on average, while the cheapest rate with a son was $1,194 per year, on average. Free crate key tf2.
» MORE:Average Car Insurance Costs in 2019
Average yearly car insurance rates by state for couples with and without a teen driver
| State | Married couple only | Married couple with teen daughter | Married couple with a teen son |
|---|---|---|---|
| Average | $1,443 | $2,812 | $3,147 |
| California | $1,510 | $3,974 | $4,684 |
| Florida | $2,267 | $4,401 | $5,025 |
| Georgia | $1,436 | $2,668 | $3,123 |
| Illinois | $1,008 | $1,946 | $2,137 |
| Michigan | $2,270 | $3,947 | $4,082 |
| New York | $1,706 | $2,949 | $3,544 |
| North Carolina | $933 | $1,826 | $1,863 |
| Ohio | $934 | $1,869 | $2,125 |
| Pennsylvania | $1,165 | $2,137 | $2,137 |
| Texas | $1,407 | $2,654 | $2,916 |
Why is car insurance for young men so expensive?
Young women can pay a lot for car insurance, but in general, young men see some of the highest auto insurance rates among people with clean driving records. In part, that’s because they are inexperienced and have no driving record for insurers to use to set rates.
Nikon connex software review. When insurance companies can’t reference a driving record to determine how likely you are to file a claim, they rely on statistics to gauge risk and set prices. A newly licensed teenager receives high insurance quotes because his peers file a lot of claims, more expensive claims or both.
Teen boys and men cause crashes at higher rates than any other group. Teens ages 16 to 19 cause nearly three times as many fatal crashes as adults 20 and over, according to the Insurance Institute for Highway Safety. Men and boys caused roughly two-thirds of those crashes in recent years, down from 75% in 1975.
In addition to the risk that they will crash, teens typically lack a credit history, are unmarried and have completed less education than older men — all of which can increase car insurance rates.
» MORE:Compare car insurance quotes
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Cheapest Insurance For Young Drivers With Accidents
NerdWallet looked at insurance rates from ten large insurers in every ZIP code in the 10 most populous states — California, Florida, Georgia, Illinois, Michigan, New York, North Carolina, Ohio, Pennsylvania and Texas — for a 2016 Toyota Camry. We analyzed rates for two 50-year-old married adults versus rates for two 50-year-old married adults with either an 18-year-old son or daughter licensed at age 16.We looked at policies with:
- $100,000 bodily injury liability coverage per person.
- $300,000 bodily injury liability coverage per crash.
- $50,000 property damage liability coverage per crash.
- $100,000 uninsured motorist bodily injury coverage per person.
- $300,000 uninsured motorist bodily injury coverage per crash.
- Collision coverage with $500 deductible.
- Comprehensive coverage with $500 deductible.
These are sample rates generated through Quadrant Information Services. Your own rates will differ.