Car Insurance for 16-Year-Olds: Average Rates by State (2026)
Quick Answer
A 16-year-old driver pays an average of $737/month ($8,839/year) for full coverage car insurance nationally. Rates vary significantly by state — select yours below for exact estimates.
✓ Updated March 2026✓ Based on state insurance filings
Average Rates by State for 16-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $4,515/yr | $376/mo | $1,329/yr | Details |
| Vermont | $4,653/yr | $388/mo | $1,398/yr | Details |
| New Hampshire | $4,790/yr | $399/mo | $1,421/yr | Details |
| Idaho | $4,951/yr | $413/mo | $1,444/yr | Details |
| Ohio | $5,180/yr | $432/mo | $1,513/yr | Details |
| North Carolina | $5,455/yr | $455/mo | $1,788/yr | Details |
| Iowa | $5,638/yr | $470/mo | $1,513/yr | Details |
| Wisconsin | $5,707/yr | $476/mo | $1,604/yr | Details |
| Wyoming | $5,890/yr | $491/mo | $1,604/yr | Details |
| North Dakota | $5,913/yr | $493/mo | $1,604/yr | Details |
| Indiana | $6,097/yr | $508/mo | $1,765/yr | Details |
| Hawaii | $6,143/yr | $512/mo | $1,788/yr | Details |
| South Dakota | $6,143/yr | $512/mo | $1,650/yr | Details |
| Montana | $6,303/yr | $525/mo | $1,673/yr | Details |
| Virginia | $6,349/yr | $529/mo | $1,879/yr | Details |
| Nebraska | $6,555/yr | $546/mo | $1,765/yr | Details |
| Oregon | $6,670/yr | $556/mo | $1,925/yr | Details |
| Washington | $6,738/yr | $562/mo | $1,994/yr | Details |
| West Virginia | $6,761/yr | $563/mo | $1,925/yr | Details |
| Alaska | $6,807/yr | $567/mo | $1,742/yr | Details |
| Pennsylvania | $6,968/yr | $581/mo | $1,650/yr | Details |
| Tennessee | $6,968/yr | $581/mo | $2,040/yr | Details |
| Utah | $7,014/yr | $585/mo | $2,017/yr | Details |
| New Mexico | $7,082/yr | $590/mo | $1,948/yr | Details |
| Illinois | $7,128/yr | $594/mo | $2,384/yr | Details |
| Minnesota | $7,174/yr | $598/mo | $2,154/yr | Details |
| Alabama | $7,235/yr | $603/mo | $2,246/yr | Details |
| Arkansas | $7,426/yr | $619/mo | $2,132/yr | Details |
| Missouri | $7,564/yr | $630/mo | $2,177/yr | Details |
| Mississippi | $7,587/yr | $632/mo | $2,269/yr | Details |
| Massachusetts | $7,701/yr | $642/mo | $2,521/yr | Details |
| South Carolina | $7,701/yr | $642/mo | $2,338/yr | Details |
| Maryland | $7,999/yr | $667/mo | $2,544/yr | Details |
| Kansas | $8,045/yr | $670/mo | $2,269/yr | Details |
| Arizona | $8,205/yr | $684/mo | $2,430/yr | Details |
| Colorado | $8,297/yr | $691/mo | $2,315/yr | Details |
| Delaware | $8,343/yr | $695/mo | $2,888/yr | Details |
| Oklahoma | $8,503/yr | $709/mo | $2,452/yr | Details |
| Rhode Island | $8,870/yr | $739/mo | $2,819/yr | Details |
| California | $9,229/yr | $769/mo | $2,177/yr | Details |
| Texas | $9,260/yr | $772/mo | $2,407/yr | Details |
| Georgia | $9,489/yr | $791/mo | $2,911/yr | Details |
| Connecticut | $9,512/yr | $793/mo | $3,300/yr | Details |
| Kentucky | $9,581/yr | $798/mo | $2,934/yr | Details |
| Nevada | $9,787/yr | $816/mo | $2,980/yr | Details |
| Michigan | $11,185/yr | $932/mo | $3,667/yr | Details |
| New Jersey | $11,552/yr | $963/mo | $3,576/yr | Details |
| Louisiana | $14,165/yr | $1,180/mo | $4,103/yr | Details |
| New York | $14,669/yr | $1,222/mo | $5,455/yr | Details |
| Florida | $15,070/yr | $1,256/mo | $4,263/yr | Details |