Best Cheap Car Insurance For Teens

Are you searching for the best cheap car insurance for teens, if yes then this article is for you. In this article, we have outlined some of the best companies to check out. In the meantime, searching for the best auto insurance for teens can be daunting especially because the coverage is often pricey. For instance, car insurance policies for teen drivers cost thousands of dollars a year.

Best Cheap Car Insurance For Teens

However, it is cheaper if it is added to an adult’s auto insurance policy. When you purchase a separate car insurance policy for teens, it is usually exorbitant. But to get a cheaper price, you can add it to an adult car insurance policy. Parents adding a teen driver to their auto policies will see an average increase of $2,182 per year. If you’re searching for the best cheap insurance for your teens, check out this article.

How Much Does Car Insurance Cost For Teen Drivers?

Male teen drivers tend to pay more than female teen drivers in most states. This is so because males are prone to risky driving behaviors, which can lead to accidents.

However, the amount teenagers will pay for coverage depends on their age, gender, driving record, location, vehicle make and model, and also on the insurer. The average 18-year-old male driver pays 15 percent more for full-coverage insurance than female drivers of the same age.

AgeAverage annual full coverage premium for malesAverage annual full coverage for females

The Cost of Teenage Car Insurance by State

The state you reside in is one of the factors that determines the cost of teen car insurance. A tabular form shows the average monthly cost of car insurance for teens by state.

StateMonthly Rate
West Virginia$306
South Dakota$243
South Carolina$345
Rhode Island$421
South Dakota$243
North Carolina$196
New Mexico$269
New Jersey$331
New York$388
New Hampshire$231

How to Get the Cheapest Car Insurance For Teens

There are certain things you can do to get the cheapest car insurance for your teens, and they include.

Shop around

The first thing you can do to get the cheapest teen car insurance is to shop around for at least three car insurance quotes before you settle on a car insurance policy. This goes for both teens and adults and make sure to get a quote from your current insurer as well.

Check for Discounts

The next step is to check for discounts. While searching for cheap car insurance for teens, you must check for discounts. Discounts are a great way to reduce rates, and most insurers offer some type of teen savings. Also, teenagers are not limited to discount opportunities, and some insurers offer general discounts.

Only Buy what you Need

Buy only the car insurance policy you need for your teen. If your teen is driving a financed or leased vehicle, you might need to meet any insurance requirements listed in your lease or loan agreement. Once that has been settled, you can now determine what other type of coverage you want to include.

Choose the Right Vehicle

If you are shopping for a new vehicle, you should take the time to get a quote for each make and model you are considering purchasing. It is important to do this because some cars are cheaper to insure than others.

Best Cheap Car Insurance for Teens

There are cheap car insurance policies for teens, even though teens have less experience on the road. If you would like to know the best car insurance for teens, then look at the list below.

Liberty Mutual

First on this list is Liberty Mutual. Though it does not offer the cheapest car insurance for teens, it does offer some less-common coverage options. This includes gap insurance, accident forgiveness, and a new car replacement. Liberty Mutual is suitable for teenagers worried about their car or insurance rates when an accident occurs.


Geico offers a cheap car insurance policy for teens, and it also offers a huge selection of discounts. It also offers a good student discount for teens who have a B-average or better in school and a driver’s education discount for teens who complete an approved course. Also, the average annual rate is $2,922, which represents the average cost across the nation for teenage drivers with good credit.


Progressive is suitable for teenagers looking for flexible policies. It is popular for its Name-Your-Price tool, which assists drivers of all ages, including teenagers as well. The Name-Your-Price tool tells drivers what coverage they can afford based on how much they are willing to spend. They have an average annual rate, which is $5,457.

State Farm

Next on this list is State Farm, a popular company that offers cheap car insurance policies for teens. It also has some good teen driver discounts that can help young drivers reduce their rates. Their average annual rate is $2,488, and this rate represents the average cost across the nation for teenage drivers with excellent credit and personal use with State Farm.


Allstate is one of the largest insurers in the nation; it has the cheapest car insurance for teens. Aside from this, they also offer good car insurance coverage options and different ways to save at any age. Allstate has an average annual rate of $5,591.


In conclusion, while several insurance companies offer cheap auto insurance coverage to teen drivers, the ones listed above are the best to consider. However, before purchasing a policy, it is important to compare quotes to select the right coverage that suits your needs.