What is the cheapest car to insure at 18?

Asked by: Wayne Bartell  |  Last update: August 28, 2025
Score: 5/5 (21 votes)

These are the top 10 cheapest cars to insure for teenagers, including the average annual car insurance cost:
  • Mazda MX-5 Miata: $2640.
  • Subaru Outback: $2735.
  • Volkswagen Golf GTI: $2740.
  • Mini Countryman: $2766.
  • Volkswagen Routan: $2769.
  • Smart Fortwo: $2776.
  • Fiat 500L 19: $2786.
  • Honda Odyssey: $2788.

What is the cheapest car insurance for an 18 year old?

State Farm is the cheapest major car insurance company for 18-year-olds. Midsize companies — like Erie, NJM, Farm Bureau, Auto-Owners and Shelter — typically have even cheaper rates. However, they're not an option in many states.

What is the best car for an 18 year old?

Best first cars for new drivers 2025
  1. Skoda Fabia. Overall rating. 4.0. RRP. ...
  2. Kia Picanto. Overall rating. 4.0. RRP. ...
  3. Hyundai i10. Overall rating. 4.0. RRP. ...
  4. Toyota Aygo X. Overall rating. 3.5. RRP. ...
  5. Volkswagen Polo. Overall rating. 4.0. RRP. ...
  6. Dacia Sandero. Overall rating. 4.0. RRP. ...
  7. Dacia Spring. Overall rating. 4.5. ...
  8. Renault Clio. Overall rating. 4.5.

What are the cheapest old cars to insure?

Cars that are cheap to insure
  • Škoda Citigo.
  • Fiat 500.
  • SEAT Ibiza.
  • Volkswagen Polo.
  • Toyota Auris.
  • Renault Captur.
  • Volkswagen e-up!
  • Ford Fiesta.

At what age is car insurance cheapest?

Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.

How To Get CHEAP FIRST Car Insurance 2023!! (MUST WATCH BEFORE BUYING)

22 related questions found

Which car is least expensive to insure?

The Honda CR-V, Mazda CX-5, Jeep Wrangler and Subaru Outback are the cheapest cars to insure. All three have full coverage rates under $250 per month, on average.

Can 18 year olds get their own car insurance?

Getting car insurance for a young driver can be pricey due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's more affordable to add your licensed or permitted teenage driver to your existing auto insurance policy.

Does car insurance go down at 18?

The biggest drop is typically from 18 to 19, when the average rate drops by around $1,595. Car insurance typically drops as you grow older, when you drive safely for three to five years following an accident or citation, and when you switch to a cheaper company.

What insurance do I need when I turn 18?

A parent's plan: If you're under 26, you may be able to join a parent's health insurance plan. The Marketplace: You can enroll during Open Enrollment November 1 – January 15 or at other times of the year if you have certain life events (like a move) or if your income is within a certain range.

What is the lowest car insurance group?

Group 1 is the lowest insurance group, which also means it's the cheapest insurance group. Group 50 is the most expensive. However, premiums aren't just based on insurance group. Other factors are taken into consideration, too.

What does an 18 year old need to buy a car?

Buying a vehicle involves a lot of paperwork, including a sales contract, which you typically need to be at least 18 to sign. If you need financing, they may have to co-sign the loan for you. Dealers also handle your vehicle registration, and you need to be at least 18 to register a vehicle in most states.

What is the #1 best car?

  • Best Sedans. #1 in Sedans. 2025 Honda Accord. ...
  • Best Wagons. #1 in Wagons. 2025 Kia Soul. ...
  • Best Hatchbacks. #1 in Hatchbacks. 2024 Toyota Prius. ...
  • Best Subcompact Cars. #1 in Subcompact Cars. 2025 Nissan Versa. ...
  • Best Convertibles. #1 in Convertibles. 2024 MAZDA MX-5 Miata. ...
  • Best Coupes. #1 in Coupes. ...
  • Best Sports Cars. #1 in Sports Cars.

Why is insurance so high for 18 year olds?

Generally, an 18-year-old driver pays less for auto insurance than a 16-year-old driver. However, if you're newly licensed at 18, you'll have two years fewer driving experience than your peers who got their licenses at 16. As a result, companies will charge you slightly higher rates to insure your vehicle.

What happens if I don't add my teenager to my car insurance?

Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.

What is the cheapest insurance for an 18 year old?

FAQs. What's the cheapest car insurance for 18-year-olds? Drivers who are 18 years old will get the cheapest rates from USAA ($316 per month), American Family ($317), and GEICO ($318).

Do you get kicked off insurance at 18?

The Affordable Care Act requires plans and issuers that offer dependent child coverage to make the coverage available until the adult child reaches the age of 26. Many parents and their children who worried about losing health coverage after they graduated from college no longer have to worry.

Does credit score affect car insurance?

How credit-based insurance scores work. Most U.S. insurance companies use credit-based insurance scores along with your driving history, claims history and many other factors to establish eligibility for payment plans and to help determine insurance rates. Again, except in California, Hawaii, and Massachusetts.

Should I put my 18 year old's car in my name?

Register the car in your child's name.

If your son or daughter is legally an adult (18 years or older), he or she is able to register a car in his or her own name. Without you as the owner of the car, the laws imposing vicarious liability (such as New York Vehicle and Traffic Law Section 388) will not apply to you.

Is it cheaper to add my son to my insurance?

Be sure to weigh your options carefully. By state, those in California experience the highest average percentage increase. Adding a 21-year-old driver boosts the cost of insurance by an average of 191.4%, from $2,062 to $6,009, or $3,947. It's followed by North Carolina (154.8%) and New Jersey (144.1%).

How much to add an 18 year old to insurance?

If you add a teenager to your auto insurance policy, you'll pay an average annual rate of $4,050 for a 16-year-old, $3,740 for a 17-year-old, $3,478 for an 18-year-old and $3,105 for a 19-year-old, according to CarInsurance.com data.

What car is most expensive to insure?

  1. Maserati Quattroporte. The Maserati Quattroporte is a luxury sedan that typically costs over $2,500 per six-month policy period to insure, making this car the most expensive vehicle to purchase auto insurance for in 2021. ...
  2. Audi R8. ...
  3. BMW i8. ...
  4. Mercedes-AMG GT. ...
  5. Nissan GT-R. ...
  6. Maserati Ghibli. ...
  7. Mercedes-Benz S-Class. ...
  8. Porsche 911.

Who pays less for car insurance?

Women typically pay less for auto insurance than men, according to the III, because they're less likely to be involved in accidents or serious violations and are more likely to wear seatbelts.

What is the lowest form of car insurance?

The minimum amount of car insurance you'll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you're liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person.