{"id":25881,"date":"2024-11-07T07:53:45","date_gmt":"2024-11-07T15:53:45","guid":{"rendered":"\/wp-site\/?p=25881"},"modified":"2025-06-12T16:14:01","modified_gmt":"2025-06-12T23:14:01","slug":"cheap-car-insurance-for-18-year-old-drivers","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/cheap-car-insurance-for-18-year-old-drivers\/","title":{"rendered":"Car Insurance for 18-Year-Old Drivers"},"content":{"rendered":"\n<p>The average cost of <a href=\"\/car-insurance\/\">car insurance<\/a> for 18-year-old drivers is approximately $329 per month. Teen drivers pay around 196% more than the national average for liability-only coverage and 161% more for full coverage\u2014but you may be able to find cheaper rates by comparing quotes from several providers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"car-insurance-for-18-years-old-per-year\">Car insurance for 18-year-olds is $3,948 per year<\/h2>\n\n\n\n<p>The <a href=\"\/car-insurance\/average-car-insurance\/\">average cost of car insurance<\/a> for an 18-year-old driver is around $329 per month, or $3,948 per year. This breaks down to around $228 per month for the state minimum coverage and $430 per month for a <a href=\"\/car-insurance\/what-does-full-coverage-car-insurance-cover\/\">full coverage<\/a> option.<\/p>\n\n\n\n<p>With these averages, 18-year-olds pay approximately:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>9% more than 19-year-olds<\/li>\n\n\n\n<li>19% more than 20-year-olds<\/li>\n\n\n\n<li>34% more than 21-year-olds<\/li>\n\n\n\n<li>42% more than 22-year-olds<\/li>\n\n\n\n<li>44% more than 23-year-olds<\/li>\n\n\n\n<li>41% more than 24-year-olds<\/li>\n\n\n\n<li>47% more than 25-year-olds<\/li>\n<\/ul>\n\n\n\n<p>As drivers gain more experience behind the wheel, their car insurance premiums tend to decrease. But age isn\u2019t the only thing that affects <a href=\"\/car-insurance\/car-insurance-for-teens\/\">teen auto insurance<\/a> rates. Other key rating factors include gender (in select states), driving history, location, coverage levels, and more.<\/p>\n\n\n\n<p><strong>Learn more:<\/strong> <a href=\"\/car-insurance\/how-much-is-car-insurance-for-a-16-year-old\/\">How much is car insurance for a 16-year-old driver?<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Male drivers tend to pay 17% more for teen car insurance<\/h3>\n\n\n\n<p>On average, 18-year-old male drivers pay around 17% more for car insurance than 18-year-old female drivers. Generally, car insurance companies charge teenage male drivers higher rates for the following reasons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Males are more likely to be involved in a collision:<\/strong> According to the Insurance Institute for Highway Safety, male drivers between 16 and 19 are almost twice as likely to get into a crash than female drivers of the same age1.<sup data-fn=\"d3bfa159-60ce-4fdb-9876-3ec610298bc1\" class=\"fn\"><a href=\"#d3bfa159-60ce-4fdb-9876-3ec610298bc1\" id=\"d3bfa159-60ce-4fdb-9876-3ec610298bc1-link\">1<\/a><\/sup><\/li>\n\n\n\n<li><strong>Males are more likely to drive under the influence:<\/strong> A recent study reported that DUIs were the result of approximately 3 million fatal accidents. Out of this 3 million, 2.3 million involved male drivers2.<sup data-fn=\"c716b580-49be-4f15-b223-8433d2978f26\" class=\"fn\"><a href=\"#c716b580-49be-4f15-b223-8433d2978f26\" id=\"c716b580-49be-4f15-b223-8433d2978f26-link\">2<\/a><\/sup><\/li>\n\n\n\n<li><strong>Males are more likely to speed:<\/strong> In 2021, almost 35% of male drivers between the ages of 15 and 20 were involved in speed-related crashes compared to 21% of female drivers3.<sup data-fn=\"68d01131-2620-4aa0-a8f9-ce4b559888f0\" class=\"fn\"><a href=\"#68d01131-2620-4aa0-a8f9-ce4b559888f0\" id=\"68d01131-2620-4aa0-a8f9-ce4b559888f0-link\">3<\/a><\/sup><\/li>\n<\/ul>\n\n\n\n<p>Currently, <a href=\"\/car-insurance\/california\/\">California<\/a>, Hawaii, <a href=\"\/car-insurance\/massachusetts\/\">Massachusetts<\/a>, <a href=\"\/car-insurance\/michigan\/\">Michigan<\/a>, <a href=\"\/car-insurance\/montana\/\">Montana<\/a>, <a href=\"\/car-insurance\/north-carolina\/\">North Carolina<\/a>, and <a href=\"\/car-insurance\/pennsylvania\/\">Pennsylvania<\/a> are the only states that don\u2019t allow car insurance companies to use gender as a determining factor for rates.<\/p>\n\n\n\n<p>However, in all other states, gender can play a role in teen premiums. To help counteract this, young drivers should regularly shop for quotes with different providers to ensure they\u2019re getting the best car insurance rates for their profile.<\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance \" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">When do rates generally go down?<\/h3>\n\n\n\n<p>Drivers between the ages of 18 and 24 typically pay 36% more for car insurance than drivers 25 and up, when insurers start lowering premiums as a way to reward experience behind the wheel. Here\u2019s a look at what different age demographics pay each month for car insurance:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Age group<\/th><th class=\"has-text-align-left\" data-align=\"left\">Minimum coverage cost<\/th><th class=\"has-text-align-left\" data-align=\"left\">Full coverage cost<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">&lt; 18<\/td><td class=\"has-text-align-left\" data-align=\"left\">$275<\/td><td class=\"has-text-align-left\" data-align=\"left\">$681<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">18-21<\/td><td class=\"has-text-align-left\" data-align=\"left\">$248<\/td><td class=\"has-text-align-left\" data-align=\"left\">$542<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">22-25<\/td><td class=\"has-text-align-left\" data-align=\"left\">$163<\/td><td class=\"has-text-align-left\" data-align=\"left\">$369<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">26-34<\/td><td class=\"has-text-align-left\" data-align=\"left\">$123<\/td><td class=\"has-text-align-left\" data-align=\"left\">$274<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">35-44<\/td><td class=\"has-text-align-left\" data-align=\"left\">$110<\/td><td class=\"has-text-align-left\" data-align=\"left\">$242<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">45-54<\/td><td class=\"has-text-align-left\" data-align=\"left\">$106<\/td><td class=\"has-text-align-left\" data-align=\"left\">$230<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">55-64<\/td><td class=\"has-text-align-left\" data-align=\"left\">$100<\/td><td class=\"has-text-align-left\" data-align=\"left\">$213<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">65+<\/td><td class=\"has-text-align-left\" data-align=\"left\">$106<\/td><td class=\"has-text-align-left\" data-align=\"left\">$214<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>As illustrated by the table above, once drivers turn 25, their premiums tend to steadily decrease until they turn 65, when age-related factors like slower reaction times and visual impairment may lead insurers to raise car insurance costs.<\/p>\n\n\n\n<p>To keep rates low while they build experience, teen drivers should remain on a guardian or parent\u2019s policy as long as possible. Another solution is to shop for <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discounts<\/a>. Most auto insurance companies offer safe driving, good student, and driver education discounts to help teens save on their auto insurance policy.<\/p>\n\n\n\n<p><strong>Learn more:<\/strong> <a href=\"\/car-insurance\/why-is-my-car-insurance-so-high\/\">Why is my car insurance so high?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-car-insurance-companies-for-18-years-old\">Best car insurance companies for 18-year-old drivers<\/h2>\n\n\n\n<p>Finding affordable car insurance for an 18-year-old driver may seem intimidating\u2014especially when the average annual rate for teenage drivers is 54% higher than those 25 and over. Thankfully, several providers offer lower rates for 18-year-olds, including:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurance company<\/th><th class=\"has-text-align-left\" data-align=\"left\">Average coverage cost<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/travelers\/\">Travelers<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$146<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/nationwide\/\">Nationwide<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$174<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/aspire-general\/\">Aspire General<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$190<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/progressive\/\">Progressive<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$191<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/safeco\/\">Safeco<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$192<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/allstate\/\">Allstate<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$199<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Founders Insurance<\/td><td class=\"has-text-align-left\" data-align=\"left\">$203<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/dairyland\/\">Dairyland<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$208<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/aaa\/\">AAA<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$264<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Keep in mind that these are just average rates. Your total car insurance costs will vary based on your\u2014or your teen\u2019s\u2014unique driver profile. As such, it\u2019s important to compare premium costs before making a final decision. With Jerry, teens and their families can get quotes from dozens of insurers in their area to help them find the best deals on car insurance, regardless of whether they share or have their own policies.<\/p>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">Compare the best car insurance companies<\/a><\/p>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance \" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-much-car-insurance-18yo-drivers-need\">How much car insurance do 18-year-old drivers need?<\/h2>\n\n\n\n<p>Drivers are required by law to purchase <a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">liability insurance<\/a> to legally drive\u2014however, the amount of <a href=\"\/car-insurance\/bodily-injury-liability\/\">bodily injury liability<\/a> and <a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">property damage liability coverage<\/a> required will vary from state to state.<\/p>\n\n\n\n<p>Compared to a full coverage policy, the state minimum is approximately $88 cheaper per month. However, most state limits won\u2019t supply enough coverage in the event of a higher damage car accident, meaning that without additional protection, most drivers will be left financially vulnerable.<\/p>\n\n\n\n<p>To combat potentially higher costs in the future, most 18-year-old drivers (and even older motorists) will benefit from a full coverage policy with increased liability limits of 50\/100\/50 or 100\/300\/100. Here\u2019s how much a typical full coverage policy with higher limits costs with some of the top providers in the nation:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurance company<\/th><th class=\"has-text-align-left\" data-align=\"left\">50\/100\/50<\/th><th class=\"has-text-align-left\" data-align=\"left\">100\/300\/100<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/kemper\/\">Kemper<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$170<\/td><td class=\"has-text-align-left\" data-align=\"left\">$193<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Nationwide<\/td><td class=\"has-text-align-left\" data-align=\"left\">$181<\/td><td class=\"has-text-align-left\" data-align=\"left\">$194<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/state-auto\/\">State Auto<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$190<\/td><td class=\"has-text-align-left\" data-align=\"left\">$210<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Progressive<\/td><td class=\"has-text-align-left\" data-align=\"left\">$192<\/td><td class=\"has-text-align-left\" data-align=\"left\">$198<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Travelers<\/td><td class=\"has-text-align-left\" data-align=\"left\">$209<\/td><td class=\"has-text-align-left\" data-align=\"left\">$213<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/national-general\/\">National General<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$216<\/td><td class=\"has-text-align-left\" data-align=\"left\">$229<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Allstate<\/td><td class=\"has-text-align-left\" data-align=\"left\">$222<\/td><td class=\"has-text-align-left\" data-align=\"left\">$245<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"\/reviews\/car-insurance\/mercury\/\">Mercury Auto<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">$229<\/td><td class=\"has-text-align-left\" data-align=\"left\">$246<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">AAA<\/td><td class=\"has-text-align-left\" data-align=\"left\">$262<\/td><td class=\"has-text-align-left\" data-align=\"left\">$299<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>In addition to higher limits, teen drivers might also consider optional insurance coverages, including roadside assistance, trip interruption, and rental car reimbursement.<\/p>\n\n\n\n<p><strong>Learn more:<\/strong> <a href=\"\/car-insurance\/car-insurance\/how-much-car-insurance-do-i-need\/\">How much car insurance do I need?<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Adding a teen to your current policy<\/h3>\n\n\n\n<p>Although teen drivers can purchase their own car insurance policy, it might be more worthwhile (and affordable) for them to share a policy with a parent or guardian. On average, it costs around $313 per month to add an 18-year-old driver to a full coverage car insurance policy.<\/p>\n\n\n\n<p>Teen drivers can usually remain on their parent\u2019s policy while they\u2019re away at school\u2014but it\u2019s important to remember that once your teen permanently moves out, they\u2019ll be required to buy their own insurance policy.<\/p>\n\n\n\n<p>Adding a young driver to your policy can benefit both you and your teen. While teens will enjoy lower rates, parents might also get extra perks, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Qualifying for new discounts:<\/strong> With a teen on your policy, you\u2019ll gain access to distant student, good student, and driver education program discounts. And if your teen has their own vehicle, you can put them all under one policy and qualify for multi-vehicle savings.<\/li>\n\n\n\n<li><strong>Streamlined account management:<\/strong> Including your teen on your policy makes payment processing, claims processing, and overall policy management easier. With everything under one account, you only need to keep track of one policy, rather than multiple at a time.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"save-on-car-insurance-for-18yo-drivers\">How to continue to save on car insurance for 18-year-old drivers<\/h2>\n\n\n\n<p>Regardless of age, car insurance can be expensive. However, there are several tips and tricks to help teens save on premiums while still getting the coverage they need.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Look into telematics programs:<\/strong> <a href=\"\/car-insurance\/what-is-telematics\/\">Telematics programs<\/a> are a great way to help maintain a clean driving record while also earning savings and rewards for good driving. It also allows parents to track their teen\u2019s driving with alerts for unsafe behaviors behind the wheel.<\/li>\n\n\n\n<li><strong>Search for <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discounts<\/a>:<\/strong> Most providers offer distant student, drivers education, and good student discounts. But these aren\u2019t the only options available. If you have your own policy, you may also qualify for safe driver, new car, paid in full, and other discounts.<\/li>\n\n\n\n<li><strong>Raise your deductible:<\/strong> Parents or guardians who share a policy with a teen driver can increase their deductible to help lower the cost of car insurance. Remember when choosing this option that you should only ever increase your deductible to a limit you can realistically afford out of pocket.<\/li>\n\n\n\n<li><strong>Continuously shop for car insurance:<\/strong> Even after you get a policy, the hunt for car insurance doesn\u2019t stop. To stay on top of the best deals, continue to <a href=\"\/car-insurance\/car-insurance-quotes\/\">compare quotes<\/a> every six months\u2014especially if you\u2019ve experienced any life changes, such as moving away from home or purchasing a new vehicle.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance \" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sources\">Sources<\/h2>\n\n\n<ol class=\"wp-block-footnotes\"><li id=\"d3bfa159-60ce-4fdb-9876-3ec610298bc1\"><a href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/males-and-females\" target=\"_blank\" rel=\"noopener\">https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/males-and-females<\/a> <a href=\"#d3bfa159-60ce-4fdb-9876-3ec610298bc1-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><li id=\"c716b580-49be-4f15-b223-8433d2978f26\"><a href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC7590834\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC7590834\/<\/a> <a href=\"#c716b580-49be-4f15-b223-8433d2978f26-link\" aria-label=\"Jump to footnote reference 2\">\u21a9\ufe0e<\/a><\/li><li id=\"68d01131-2620-4aa0-a8f9-ce4b559888f0\"><a href=\"https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/813473\" target=\"_blank\" rel=\"noopener\">https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/813473<\/a> <a href=\"#68d01131-2620-4aa0-a8f9-ce4b559888f0-link\" aria-label=\"Jump to footnote reference 3\">\u21a9\ufe0e<\/a><\/li><\/ol>\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What is the best car insurance for an 18-year-old?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>The best car insurance for an 18-year-old is a full coverage policy with higher liability limits and add-on insurance options. For example, a full coverage policy with limits of 50\/100\/50 and optional coverages, such as roadside assistance and rental reimbursement might prove beneficial for 18-year-old drivers who have their own vehicle.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Should my 18-year-old have her own car insurance?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Your 18-year-old driver can purchase their own car insurance policy\u2014however, it may be more affordable for them to remain on a shared policy with a parent or guardian if they still live at home.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Why is insurance for 18-year-olds so expensive?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Car insurance for 18-year-old drivers is expensive because of the lack of experience most teens have behind the wheel. Most insurance providers view teens as high-risk, resulting in higher premiums. But as drivers age and gain more experience, their rates tend to decrease.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What factors affect the cost of car insurance for 18-year-olds?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Factors including driving record, gender (in states where applicable), vehicle type, and location can all impact car insurance rates for 18-year-olds.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        Can a teenager get their own car insurance policy?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Teen drivers 18 and older can get their own car insurance policy. While it is a freeing experience to hold your own car insurance policy, it may be more beneficial to share a policy with a parent or guardian if you still live at home to lower your overall costs.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        How can I find the best car insurance for my age and gender?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>18-year-old drivers (and teen drivers in general) can find cheap car insurance for their age and gender by comparing car insurance quotes from at least 2-3 providers. With the Jerry app, teens can create a profile and compare customized rates from dozens of insurers in their area.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Kianna-Walpole-1.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Kianna-Walpole-1.png 250w, \/wp-content\/uploads\/2024\/09\/Kianna-Walpole-1-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Kianna-Walpole-1-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Kianna-Walpole-1-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Kianna Walpole            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1.png 250w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/Amy-Bobinger-1-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Amy Bobinger            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry\u2019s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On average, 18-year-old drivers pay $228\/month for a liability-only policy and $430\/month for full coverage. But smart shopping can lower these rates.<\/p>\n","protected":false},"author":54,"featured_media":983,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"312\",\"type\":\"main-author\"},{\"id\":\"4\",\"type\":\"editor\"}]","jerry_author_ids":[312],"jerry_idx_page_label":"","jerry_meta_desc":"On average, 18-year-old drivers pay $228\/month for a liability-only policy and $430\/month for full coverage. But smart shopping can lower these rates.","jerry_related_posts":"[5845,7065,6099]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":"[{\"content\":\"<a href=\\\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/males-and-females\\\">https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/males-and-females<\/a>\",\"id\":\"d3bfa159-60ce-4fdb-9876-3ec610298bc1\"},{\"content\":\"<a href=\\\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC7590834\/\\\">https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC7590834\/<\/a>\",\"id\":\"c716b580-49be-4f15-b223-8433d2978f26\"},{\"content\":\"<a href=\\\"https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/813473\\\">https:\/\/crashstats.nhtsa.dot.gov\/Api\/Public\/ViewPublication\/813473<\/a>\",\"id\":\"68d01131-2620-4aa0-a8f9-ce4b559888f0\"}]"},"categories":[],"tags":[31,355,407],"class_list":["post-25881","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-teens","tag-young-drivers"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/25881","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/54"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=25881"}],"version-history":[{"count":6,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/25881\/revisions"}],"predecessor-version":[{"id":62077,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/25881\/revisions\/62077"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/983"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=25881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=25881"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=25881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}