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Are you a teen? Do you wonder if you could be getting a better deal on your auto insurance premiums? Or maybe you are ready to go off on your own auto policy and you don’t know what to expect? Let us help.

Our car insurance calculator for teens can help you quickly estimate car insurance rates in your area and even help you find the cheapest price.

Car insurance calculator for teens

Please enter a valid ZIP code
Male
16
Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.
Full coverage
Average annual rates for teen drivers
33315 -  Fort Lauderdale
$13,931 Average rate
$24,253 Highest
rate
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$6,647 Lowest
rate

Most expensive companies for auto insurance in Fort Lauderdale (33315)

Company Average annual rate
Mercury Insurance $24,253
Farmers $22,306
Allstate $19,051

Least expensive companies for auto insurance in Fort Lauderdale (33315)

Company Average annual rate
Geico $6,647
State Farm $7,723
Nationwide $8,795

Methodology

How to estimate car insurance rates for teens

The calculator is easy to use and you only need a few, non-personal pieces of information to get started. We will first go over the information you need to use the calculator, and further explain the different coverage types and limits.

What information do I need to use the car insurance calculator for teens?

You won’t have to give out personal identifying information to use the car insurance calculator — just some basic details:

  • Your ZIP code
  • Your gender
  • Your age
  • The coverage types and limits you want

Coverage types and limits

There are three coverage levels you have to choose from in the calculator: State minimum liability, liability only and full coverage. 

State minimum liability

The state minimum liability refers to the minimum amount of liability coverage mandated by your state. Each state sets its own minimum requirements, which typically include two components: bodily injury liability and property damage liability. These limits vary from state to state and usually take the form of three numbers, such as 25/50/25 or 50/100/50, representing the coverage limits in thousands of dollars.The first number refers to the bodily injury you cause to one person in an accident, the second is for bodily injury liability you cause to all persons in one accident and the third is for property damage you cause.

  • Bodily injury liability (per person/per occurrence): Bodily injury liability coverage is designed to cover medical expenses, lost wages and legal fees for individuals injured in an accident where you’re found at fault. The coverage limit is typically split into two amounts: per person and per occurrence. For example, if your state minimum liability is 25/50, it means you have coverage up to $25,000 per person injured, with a maximum of $50,000 for all injuries in a single accident.
  • Property damage liability: Property damage liability coverage pays for repairs or replacement of other people’s property, such as vehicles or structures, if you are at fault in an accident. For instance, if your state minimum liability is 25/50/25, the last number represents the coverage limit for property damage liability, which, in this case, would be $25,000.

When selecting state minimum liability in the calculator, the values used depend on the minimum requirement for your state, based on the ZIP code entered.

But, be aware, liability insurance covers the damage you cause. It will not cover the damage your car sustains in an accident.

Liability only

Liability-only coverage, also known as “minimum coverage” or “third-party coverage,” provides protection for damages or injuries you cause to others but does not include coverage for damage to your own vehicle or passengers. 

The coverage form is identical to the state minimum liability explained above, but at a limit higher than the minimum requirement. When selecting liability only, the calculator is using coverage limits of 50/100/50. As explained above, this is $50,000 bodily injury liability per person, $100,000 bodily injury liability per accident and $50,000 property damage liability.

Full coverage

Full coverage is a term commonly used when talking about auto insurance and is typically used to describe an auto policy with coverage for both liability and physical damage to your vehicle. 

The liability coverage component protects you financially if you cause bodily injury or property damage to others in an accident.

The physical damage coverage includes comprehensive and collision coverages, which protect your own vehicle against various perils, such as theft, vandalism, natural disasters and collisions with other vehicles or objects.

  • Comprehensive coverage: Often referred to as “comp” or other-than-collision,  comprehensive protects your vehicle against non-collision-related damages. It covers losses resulting from theft, vandalism, fire, natural disasters, falling objects and other specified perils. Comprehensive coverage has a deductible, which is the amount you must pay out of pocket before your insurance coverage kicks in.
  • Collision coverage: Protects your vehicle in the event of a collision with another vehicle or an object, regardless of fault. It covers the cost of repairs or provides the actual cash value of your vehicle if it is deemed a total loss. Similar to comprehensive coverage, collision coverage has a deductible that you are responsible for paying before the insurance covers the remaining costs.

When selecting full coverage, the calculator is using coverage limits of 100/300/100 and comprehensive and collision deductibles of $500. Written out, this is $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident, and $100,000 property damage liability.

Use full coverage calculator to know how much a teen driver would pay for full coverage insurance based on their vehicle type. 

Car insurance for teens: Rates by state and age

Auto insurance rates vary widely from one area to the next. On average, Hawaii has the cheapest auto insurance rates for teenage drivers at $1,421. The second cheapest state is North Carolina at $2,847, more than double Hawaii’s. Ohio ranks third and comes in at $3,651.

Here is a state-by-state rundown of how much a teens of different ages can expect to pay on their own full-coverage insurance policy including comprehensive and collision coverage, annually.

The premiums below are based on 100/300/100 liability coverage with $500 comprehensive/collision deductible.

StateAge 16Age 17Age 18Age 19
Alabama$6,784 $5,972 $5,142 $3,571
Alaska$5,995 $4,797 $4,192 $3,413
Arizona$7,727 $6,448 $5,569 $3,907
Arkansas$7,682 $5,887 $5,192 $3,652
California$6,239 $5,693 $5,361 $3,978
Colorado$8,009 $6,914 $5,719 $4,136
Connecticut$10,559 $7,603 $6,581 $4,999
Delaware$11,722 $9,545 $8,352 $6,005
Florida$11,297 $9,906 $8,905 $5,926
Georgia$7,481 $6,546 $5,679 $4,307
Hawaii$1,517 $1,421 $1,414 $1,330
Idaho$5,559 $4,568 $3,949 $2,835
Illinois$7,912 $5,520 $4,827 $3,954
Indiana$5,159 $3,932 $3,310 $2,664
Iowa$5,143 $4,135 $3,612 $2,982
Kansas$6,060 $5,347 $4,769 $3,508
Kentucky$8,256 $6,841 $5,684 $4,606
Louisiana$15,579 $9,560 $8,700 $6,305
Maine$4,812 $4,119 $3,756 $3,090
Maryland$6,700 $5,870 $5,367 $4,713
Massachusetts$6,603 $6,101 $5,838 $3,902
Michigan$8,785 $7,247 $6,513 $4,878
Minnesota$5,502 $4,287 $3,829 $3,449
Mississippi$6,427 $5,873 $5,076 $3,846
Missouri$8,912 $7,020 $5,934 $4,937
Montana$7,126 $5,965 $5,233 $4,080
Nebraska$7,342 $6,227 $5,365 $4,347
Nevada$9,309 $7,746 $6,764 $4,735
New Hampshire$6,011 $5,182 $4,537 $3,560
New Jersey$9,443 $7,878 $6,990 $4,348
New Mexico$6,449 $5,046 $4,545 $3,319
New York$7,397 $6,888 $6,156 $4,513
North Carolina$3,786 $3,077 $2,786 $1,740
North Dakota$6,710 $5,036 $4,467 $3,141
Ohio$4,760 $3,941 $3,413 $2,490
Oklahoma$8,115 $6,867 $6,088 $4,218
Oregon$5,844 $4,913 $4,174 $2,990
Pennsylvania$6,916 $5,294 $4,311 $3,392
Rhode Island$12,071 $8,235 $7,073 $4,947
South Carolina$7,274 $6,343 $5,629 $4,635
South Dakota$6,674 $5,403 $4,895 $3,518
Tennessee$6,824 $5,816 $5,050 $3,392
Texas$8,281 $6,878 $6,302 $4,755
Utah$7,862 $6,224 $5,392 $3,737
Vermont$4,174 $3,617 $3,277 $2,947
Virginia$5,769 $4,721 $4,052 $3,214
Washington$5,379 $4,381 $3,789 $3,063
Washington, D.C.$8,683 $7,568 $6,601 $4,868
West Virginia$7,231 $5,843 $5,289 $4,473
Wisconsin$6,536 $5,113 $4,385 $3,242
Wyoming$6,388 $5,471 $4,957 $3,952

Find out which companies offer the best car insurance for teens.

Final thoughts on car insurance for teens

For the lowest out of pocket, it is recommended a teen stay on their parent’s auto insurance policy as long as possible. At a minimum, a teen should have six months of prior coverage – or more – on a parent’s policy before taking out their own policy. 

Auto insurance premiums gradually go down as you age. In some states, the average premium for a 19-year-old is less than half that of a 16-year-old. Staying on a parent’s auto policy as a new driver allows you to take advantage of the discounts on the policy and offsets the elevated rate.

Methodology

Insure.com commissioned Quadrant Information Services to report average auto insurance rates for a Honda Accord LX for 34,523 ZIP codes in the United States. The rates used in the car insurance calculator are for teen drivers aged 16 to 19 who have a clean record, good credit and drive 10,000 miles annually. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

author image
Brent Buell
Data Journalist

 
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Before joining QuinStreet, Brent worked for nearly four years at NYCM Insurance (a personal and commercial insurance carrier based in New York) between his roles as a product analyst and a commercial lines underwriter. Before joining NYCM, Brent owned and operated a captive insurance agency. He holds a property & casualty broker’s license and is a Chartered Property Casualty Underwriter (CPCU). Brent is also a father of two boys and is an avid automotive enthusiast.