Car Insurance for 18-Year-Olds

Car insurance for 18-year-olds is influenced by a number of factors, including gender and the kind of car they drive. You can expect car insurance rates for an 18-year-old to be higher than average because teen drivers are in the highest risk class when it comes to coverage. Reduce your costs by comparing 18-year-old auto insurance quotes to find the cheapest coverage in your city. Enter your ZIP code below to get started.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jul 16, 2021

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Young people are classified as some of the riskiest drivers on the roads, and insurance companies treat them accordingly. The plain truth about car insurance for 18-year-olds is that the coverage will cost you a lot more than it would an experienced driver when all other aspects are the same. That does not mean you are locked into paying high rates, though, because there are also options and discounts available that bring the premiums down to something more affordable.

Find the Lowest Car Insurance Rates for 18-Year-Olds

If you still live at home or attend college full time, the best rates come from simply being added to your parent’s policy. According to federal law, children can remain on the car insurance of their parents until the age of 26 as long as they meet the other qualifications. By doing so, you could have the cost of your insurance mitigated by the longer driving history of one or both parents.

Male vs. Female

All other things being equal, a female driver is less risky to insure than her male counterpart. The reason for this is buried in human sociology, but the facts are that males, especially young males between 16 and 25, are more likely to engage in potentially risky behavior while driving. This could mean speeding, squealing the tires, running a stop sign, or just riding around with the top down and no seatbelts. Girls, on the other hand, tend to be more responsible, obeying the rules of the road.

Reducing Costs with Better Grades

One way that car insurance for 18 year olds can be reduced is to keep their grades up. Whether attending the local high school or taking classes at the university level, students who maintain a 3.0 grade average or better are eligible for a car insurance discount. Furthermore, once you have a degree, it will be worth an insurance discount as well. If you are not attending college courses, many occupations provide for insurance discounts as well, including emergency services, the military, and most government careers.

Design the Policy You Need

One of the most effective ways to keep car insurance for an 18 year old at a manageable level is to only get the policy you need. Dropping unnecessary coverage, adjusting your deductibles, and reducing the miles you drive are possible ways to reduce your premiums. For example, drop your collision coverage, raise your deductible from $250 to $500, and ask your insurance company about low mileage insurance.

Insurance and the Car You Drive

Driving an older car is going to cost you less for insurance, and driving a large car with 4 doors is even cheaper to insure than a sporty car. Additionally, look for safety features, and choose a vehicle that has scored well on highway safety tests. The less risk your car poses to the insurance company, the lower your premiums will be.

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