Car Insurance Teenage car insurance rates: How much is car insurance for teens in 2023 Teenage car insurance average cost per month is $315 or $3,775 per year. By Insure.com's Editor | Updated on August 18, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. As a parent, you may be concerned about the cost of car insurance for your teenage driver. We understand that it can be quite expensive, but it’s important to consider the reasons behind it. Teenagers have limited driving experience and are at a higher risk of accidents, which is why insurance rates are higher for them. Learn more about car insurance costs for teen drivers and how it varies depending on their age. Teenage car insurance average cost per month and per year Average car insurance cost for teen per monthAverage car insurance cost for teen per year$315$3,775 Picture this: your teenager is finally ready to hit the road, but the cost of car insurance is putting a strain on their wallet. On average, car insurance for teenagers costs around $3,775 per year or $315 per month. We understand that this can be quite expensive, especially considering their inexperience on the road and the higher likelihood of accidents. However, there is hope! By shopping around and comparing different insurance quotes, you can find more affordable coverage for your teen driver. It’s important to find the best coverage at a reasonable price, so you can have peace of mind while your teen is behind the wheel. How much does it cost to add a permit driver to insurance: By state Now let’s dive into the specific costs of adding a permit driver to your insurance policy, and how it varies by state. The amount of the additional premium can vary greatly depending on where you live. For example, in Alabama, the average car insurance cost is $1,304 per year. But for a teenage driver, it increases to $3,504– that’s $2,200 more. On the other hand, in Hawaii, the average car insurance cost is relatively low at $1,255 per year, and the additional premium for a teen is only $37. These numbers may vary depending on the specific circumstances and insurance provider, so it’s important to do your research and find the best option for your family. State Average car insurance cost per month Average car insurance cost per year Average car insurance cost for teen drivers per month Average car insurance cost for teen drivers per year How much extra premium teen would pay per month How much extra premium teen would pay per year Alabama $109 $1,304 $292 $3,504 $183 $2,200 Alaska $104 $1,246 $300 $3,600 $196 $2,354 Arizona $117 $1,399 $372 $4,463 $255 $3,064 Arkansas $130 $1,556 $335 $4,021 $205 $2,465 California $149 $1,783 $472 $5,660 $323 $3,877 Colorado $140 $1,675 $340 $4,082 $201 $2,407 Connecticut $165 $1,980 $431 $5,167 $266 $3,187 DC $157 $1,887 $438 $5,261 $281 $3,374 Delaware $153 $1,838 $375 $4,503 $222 $2,665 Florida $188 $2,250 $458 $5,496 $271 $3,246 Georgia $151 $1,815 $445 $5,343 $294 $3,528 Hawaii $105 $1,255 $108 $1,292 $3 $37 Idaho $85 $1,019 $234 $2,812 $149 $1,793 Illinois $98 $1,176 $303 $3,635 $205 $2,459 Indiana $88 $1,057 $212 $2,538 $123 $1,481 Iowa $89 $1,073 $214 $2,570 $125 $1,497 Kansas $118 $1,412 $275 $3,300 $157 $1,888 Kentucky $134 $1,611 $325 $3,903 $191 $2,292 Louisiana $186 $2,228 $584 $7,007 $398 $4,779 Maine $74 $884 $165 $1,977 $91 $1,093 Maryland $128 $1,541 $357 $4,280 $228 $2,739 Massachusetts $135 $1,616 $330 $3,964 $196 $2,348 Michigan $197 $2,368 $518 $6,217 $321 $3,849 Minnesota $112 $1,339 $283 $3,392 $171 $2,053 Mississippi $125 $1,504 $306 $3,671 $181 $2,167 Missouri $107 $1,288 $248 $2,978 $141 $1,690 Montana $132 $1,589 $269 $3,230 $137 $1,641 National average $121 $1,447 $315 $3,775 $194 $2,328 Nebraska $107 $1,287 $287 $3,449 $180 $2,162 Nevada $132 $1,578 $399 $4,785 $267 $3,207 New Hampshire $96 $1,156 $284 $3,406 $188 $2,250 New Jersey $118 $1,419 $383 $4,590 $264 $3,171 New Mexico $125 $1,498 $333 $3,991 $208 $2,493 New York $101 $1,214 $279 $3,347 $178 $2,133 North Carolina $98 $1,170 $217 $2,608 $120 $1,438 North Dakota $94 $1,123 $224 $2,688 $130 $1,565 Ohio $80 $959 $161 $1,931 $81 $972 Oklahoma $122 $1,469 $287 $3,446 $165 $1,977 Oregon $110 $1,325 $288 $3,456 $178 $2,131 Pennsylvania $120 $1,438 $262 $3,142 $142 $1,704 Rhode Island $168 $2,011 $486 $5,829 $318 $3,818 South Carolina $113 $1,353 $353 $4,230 $240 $2,877 South Dakota $104 $1,250 $231 $2,776 $127 $1,526 Tennessee $112 $1,339 $291 $3,487 $179 $2,148 Texas $137 $1,644 $366 $4,387 $229 $2,743 Utah $101 $1,212 $270 $3,243 $169 $2,031 Vermont $97 $1,166 $248 $2,978 $151 $1,812 Virginia $83 $993 $248 $2,974 $165 $1,981 Washington $109 $1,307 $277 $3,323 $168 $2,016 West Virginia $122 $1,467 $314 $3,766 $192 $2,299 Wisconsin $96 $1,147 $251 $3,011 $155 $1,864 Wyoming $131 $1,577 $319 $3,830 $188 $2,253 Where we got the information?*Based on a Honda Accord driven by a 40-year-old male buying 100/300/100 liability coverages with comprehensive and collision coverage and the addition of the average rates for a 16-year-old driver. How much does it cost to add a 16-year-old to car insurance Parent’s own policy costCost when 16-year-old added to parent’s policyAverage cost of adding 16-year-old per monthAverage cost of adding 16-year-old per year$1,693$3,960$189$2,267 Now let’s talk about adding your 16-year-old to your car insurance policy. Brace yourself, because it can be a costly endeavor. On average, the cost of your own policy is $1,693 per year. But when you add a 16-year-old to the policy, the price skyrockets to $3,960. That’s an average increase of $2,267! This significant increase emphasizes the higher risk associated with teen drivers. It’s important for parents to plan and budget accordingly, so they’re not caught off guard by the added expense. How much does it cost to add a 17-year-old to car insurance Parent’s own policy costCost when 16-year-old added to parent’s policyAverage cost of adding 16-year-old per monthAverage cost of adding 16-year-old per year$1,693$3,384$141$1,691 Adding a 17-year-old to your car insurance policy also leads to an increase in cost. While your own policy still costs around $1,693 per year, adding a 17-year-old raises the cost to $3,384—That’s an average increase of $1,691. As a parent, it’s important to understand the financial implications of adding a teenager driver to your car insurance. Saving on ccar insurance for teen drivers: Tips for parents and teens Parents and their teen drivers can work together to find smart ways to save on car insurance. Here are some tips to help you keep your premiums low. For parents: Add your teen to your policy: Instead of getting a separate policy for your teen, consider adding them to your existing policy. This often comes with multi-car and multi-driver discounts. Choose the right car: Opt for a safe and reliable vehicle that is not too expensive to insure. Avoid high-performance cars or luxury vehicles, as they generally come with higher insurance costs. Encourage good grades: Many insurers offer discounts for teens who maintain good grades. This not only rewards academic achievement but also suggests responsible behavior. Explore discounts: Discounts such as safe driver, good student and multi-policy can significantly reduce premiums. Raise deductibles: Increasing your deductible (the amount you pay before insurance kicks in) can lower your premium. However, make sure you can afford to cover the deductible cost. For teen drivers: Focus on safe driving: Your driving record plays a big role in insurance costs. Avoid speeding, distractions, and risky behaviors to maintain a clean record. Take a defensive driving course: Completing a defensive driving course not only enhances your skills but can also qualify you for discounts with some insurers. Drive less, pay less: Some insurance companies offer discounts for low annual mileage. If you don’t your vehicle regularly, you can take advantage of pay-per-mile car insurance. Avoid tickets and accidents: Traffic violations and accidents can significantly increase your insurance rates. Practice caution and follow traffic rules diligently. Build a strong credit history: In some states, insurers use credit history to determine premiums. Maintaining a good credit score can help you get cheap car insurance rates. Car insurance rates for teen drivers are generally higher compared to older and more experienced drivers. This is due to the higher risk associated with a lack of driving experience and the tendency for riskier behavior on the road. Insurance companies consider various factors when determining rates for teenage drivers, including age, gender, location, type of vehicle, driving record, and academic performance. Statistics show that teen drivers have a higher likelihood of being involved in accidents and as a result, insurance companies charge higher premiums. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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