120+ more ## Cheapest recent rates #### Insurify’s drivers have found rates ranging from $40/mo. to $122/mo. in the last few days ### Liability Only - Quoted **June 10, 2026** A **Tucson, Arizona**, driver just saved on coverage for their **Toyota Sienna** with this quote from **Just Pay-Per-Mile**. $40/mo\*Find similar - Quoted **June 10, 2026** We just helped a driver in **Michigan City, Indiana**, cover their **Honda Accord** with this quote from **First Chicago**. $42/mo\*Find similar - Updated **June 7, 2026** **State Farm's** average rate for drivers with good credit and a clean driving record. $53/mo\*Find similar - Quoted **June 10, 2026** A **San Diego, California**, driver just saved on coverage for their **Ford Focus** with this quote from **Mercury**. $56/mo\*Find similar - Quoted **June 10, 2026** We just helped a driver in **Butler, Pennsylvania**, cover their **Chrysler Voyager** with this quote from **Glacier**. $58/mo\*Find similar - Quoted **June 10, 2026** **Lemonade** helped a **Volkswagen GTI** driver in **Chicago, Illinois**, save on car insurance with this quote. $63/mo\*Find similar - Quoted **June 10, 2026** A **San Juan Capistrano, California**, driver just saved on coverage for their **Fiat 500** with this quote from **MAPFRE**. $65/mo\*Find similar - Quoted **June 10, 2026** We just helped a driver in **Lancaster, Pennsylvania**, cover their **Ford Fusion** with this quote from **AssuranceAmerica**. $62/mo\*Find similar - Quoted **June 10, 2026** **National General** helped a **Ford Fusion** driver in **Lancaster, Pennsylvania**, save on car insurance with this quote. $52/mo\*Find similar \*Quotes generated for Insurify users within the last 10 days. Last updated on June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile. Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile. ### Full Coverage - Quoted **June 10, 2026** A **Hudson, Massachusetts**, driver just saved on coverage for their **Nissan Sentra** with this quote from **Liberty Mutual**. $114/mo\*Find similar - Quoted **June 10, 2026** We just helped a driver in **Sierra Vista, Arizona**, cover their **KIA K5** with this quote from **Novo Next**. $65/mo\*Find similar - Updated **June 7, 2026** **State Farm's** average rate for drivers with good credit and a clean driving record. $106/mo\*Find similar - Quoted **June 10, 2026** A **Prineville, Oregon**, driver just saved on coverage for their **Toyota Prius** with this quote from **Root**. $118/mo\*Find similar - Quoted **June 10, 2026** We just helped a driver in **East Moline, Illinois**, cover their **Jeep Wrangler** with this quote from **Lemonade**. $71/mo\*Find similar - Quoted **June 10, 2026** **Commonwealth Casualty** helped a **Jeep Renegade** driver in **Jackson, Ohio**, save on car insurance with this quote. $122/mo\*Find similar - Quoted **June 10, 2026** A **Phoenix, Arizona**, driver just saved on coverage for their **Nissan Kicks** with this quote from **HiRoad**. $106/mo\*Find similar - Quoted **June 10, 2026** We just helped a driver in **Phoenix, Arizona**, cover their **Toyota Camry** with this quote from **Just Pay-Per-Mile**. $67/mo\*Find similar - Quoted **June 10, 2026** **Direct Auto** helped a **Chevrolet Equinox** driver in **North Little Rock, Arkansas**, save on car insurance with this quote. $103/mo\*Find similar ### How much does car insurance for 18-year-olds cost? The average car insurance premium is $98 per month for liability coverage and $186 per month for full coverage. By comparison, an 18-year-old pays an average of $184 per month for liability car insurance and $348 per month for a full-coverage policy. Here’s what different age groups pay for full-coverage car insurance. | **Age** | **Average Monthly Quote** | | --- | --- | | 18 | $348 | | 20 | $311 | | 25 | $255 | | 30 | $192 | | 40 | $175 | | 50 | $154 | | 60 | $145 | | 70 | $154 | ### Cheapest car insurance for 18-year-olds Finding cheap car insurance for an 18-year-old driver can be a challenge, but it’s not impossible. A good way to find a low-cost car insurance policy as a teenager is to compare car insurance quotes from multiple companies. Keeping a clean driving record, driving a safe vehicle, and building a good **[credit history](/content/car-insurance/driver/credit/index.html)** also have the potential to save you money on car insurance, depending on your insurer and location. Below are some of the cheapest car insurance companies for young adults. USAA tops the list, with rates averaging $96 for liability-only coverage. | Insurance Company | Average Quote: Liability Only | | --- | --- | | USAA | $96 | | State Farm | $109 | | Erie | $126 | | GEICO | $143 | | The General | $152 | | Allstate | $154 | | American Family | $157 | | Dairyland | $158 | | Bristol West | $179 | | Safeco | $186 | | Direct Auto | $188 | | Nationwide | $193 | | Liberty Mutual | $217 | | Travelers | $225 | | Farmers | $229 | | Amica | $457 | ### Best car insurance companies for 18-year-olds There’s no such thing as a perfect car insurance company for 18-year-olds. But you can research different auto insurers to find the best fit for you. The auto insurance company that works for you will depend on your individual situation and coverage needs. | **Insurance Company** | **IQ Score** | **Full Coverage** | **Liability Only** | **Best For** | | --- | --- | --- | --- | --- | | [**USAA**](/content/car-insurance/companies/usaa/index.html) | 9.1 | $191 | $96 | Military families | | [**GEICO**](/content/car-insurance/companies/geico/index.html) | 9.2 | $264 | $143 | Discounts | | [**State Farm**](/content/car-insurance/companies/state-farm/index.html) | 9.3 | $219 | $109 | Steer Clear program | | [**Nationwide**](/content/car-insurance/companies/nationwide/index.html) | 9.0 | $389 | $193 | Accident forgiveness | ### How 18-year-old drivers can save on car insurance One of the best ways to save as an 18-year-old driver is to qualify for a good student discount. Even so, you’ll likely still pay higher rates until you have more driving experience. But rates for drivers your age aren’t set in stone. Most insurance companies give you plenty of ways to save, even if you don’t qualify for a good student discount or other teen-specific incentives. ### **Compare insurance quotes** **[Comparing car insurance quotes](/content/car-insurance/index.html)** from several companies is one of the best ways to keep your rate in check. Although companies weigh similar factors when they calculate rates, each factor’s weight and the calculations themselves vary by company. ### **Maintain a clean driving record** Your **[driving record](/content/car-insurance/driver/driving-record/clean-driving-record/index.html)** speaks volumes about how risky a driver you are. ### **Increase your deductible** ### **Build good credit** ### **Consider usage-based insurance** ### Best car insurance discounts for 18-year-olds Here are some young-driver discounts you should be aware of: | Discounts for 18-Year-Olds | How to Get It | Example Companies That Offer It | | --- | --- | --- | | Good student discount | A GPA of 3.0 higher usually qualifies you for good student discounts. | GEICO, Allstate, Progressive, State Farm, USAA | | Distant student discount | If you’re starting college and leaving your car behind, you can qualify for cheaper rates since you won’t be driving every day. | State Farm, Progressive, Allstate | | Bundling with home insurance | If your parents own a home, ask them to make sure they’re getting auto insurance and home insurance from the same company. | GEICO, Allstate, Progressive, State Farm, USAA | | Driver training | Ask your auto insurance company for qualifying classes in your area. | GEICO, Allstate, Progressive, State Farm, USAA | ## Car insurance for 18-year-olds FAQs #### Sources 1. [Centers for Disease Control and Prevention](https://www.cdc.gov/transportationsafety/teen_drivers/teendrivers_factsheet.html). "Teen Drivers and Passengers: Get the Facts." 2. [Nolo](https://www.nolo.com/legal-encyclopedia/question-how-do-points-against-license-28413.html). "How do Traffic Violation Points Affect my Driver's License?." 3. [Insurance Institute for Highway Safety](https://www.iihs.org/topics/fatality-statistics/detail/males-and-females/). "Males and females."