Car Insurance for 18-Year-Olds: Average Rates by State (2026)
Quick Answer
A 18-year-old driver pays an average of $528/month ($6,340/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 18-Year-Olds
| State | Full Coverage | Monthly | Min Coverage | |
|---|---|---|---|---|
| Maine | $3,239/yr | $270/mo | $954/yr | Details → |
| Vermont | $3,337/yr | $278/mo | $1,003/yr | Details → |
| New Hampshire | $3,436/yr | $286/mo | $1,019/yr | Details → |
| Idaho | $3,551/yr | $296/mo | $1,036/yr | Details → |
| Ohio | $3,715/yr | $310/mo | $1,085/yr | Details → |
| North Carolina | $3,913/yr | $326/mo | $1,282/yr | Details → |
| Iowa | $4,044/yr | $337/mo | $1,085/yr | Details → |
| Wisconsin | $4,094/yr | $341/mo | $1,151/yr | Details → |
| Wyoming | $4,225/yr | $352/mo | $1,151/yr | Details → |
| North Dakota | $4,242/yr | $354/mo | $1,151/yr | Details → |
| Indiana | $4,373/yr | $364/mo | $1,266/yr | Details → |
| Hawaii | $4,406/yr | $367/mo | $1,282/yr | Details → |
| South Dakota | $4,406/yr | $367/mo | $1,184/yr | Details → |
| Montana | $4,521/yr | $377/mo | $1,200/yr | Details → |
| Virginia | $4,554/yr | $380/mo | $1,348/yr | Details → |
| Nebraska | $4,702/yr | $392/mo | $1,266/yr | Details → |
| Oregon | $4,784/yr | $399/mo | $1,381/yr | Details → |
| Washington | $4,833/yr | $403/mo | $1,430/yr | Details → |
| West Virginia | $4,850/yr | $404/mo | $1,381/yr | Details → |
| Alaska | $4,883/yr | $407/mo | $1,249/yr | Details → |
| Pennsylvania | $4,998/yr | $417/mo | $1,184/yr | Details → |
| Tennessee | $4,998/yr | $417/mo | $1,463/yr | Details → |
| Utah | $5,031/yr | $419/mo | $1,447/yr | Details → |
| New Mexico | $5,080/yr | $423/mo | $1,397/yr | Details → |
| Illinois | $5,113/yr | $426/mo | $1,710/yr | Details → |
| Minnesota | $5,146/yr | $429/mo | $1,545/yr | Details → |
| Alabama | $5,190/yr | $433/mo | $1,611/yr | Details → |
| Arkansas | $5,327/yr | $444/mo | $1,529/yr | Details → |
| Missouri | $5,425/yr | $452/mo | $1,562/yr | Details → |
| Mississippi | $5,442/yr | $454/mo | $1,628/yr | Details → |
| Massachusetts | $5,524/yr | $460/mo | $1,808/yr | Details → |
| South Carolina | $5,524/yr | $460/mo | $1,677/yr | Details → |
| Maryland | $5,738/yr | $478/mo | $1,825/yr | Details → |
| Kansas | $5,770/yr | $481/mo | $1,628/yr | Details → |
| Arizona | $5,886/yr | $491/mo | $1,743/yr | Details → |
| Colorado | $5,951/yr | $496/mo | $1,660/yr | Details → |
| Delaware | $5,984/yr | $499/mo | $2,071/yr | Details → |
| Oklahoma | $6,099/yr | $508/mo | $1,759/yr | Details → |
| Rhode Island | $6,362/yr | $530/mo | $2,022/yr | Details → |
| California | $6,620/yr | $552/mo | $1,562/yr | Details → |
| Texas | $6,642/yr | $554/mo | $1,726/yr | Details → |
| Georgia | $6,806/yr | $567/mo | $2,088/yr | Details → |
| Connecticut | $6,823/yr | $569/mo | $2,367/yr | Details → |
| Kentucky | $6,872/yr | $573/mo | $2,104/yr | Details → |
| Nevada | $7,020/yr | $585/mo | $2,137/yr | Details → |
| Michigan | $8,023/yr | $669/mo | $2,630/yr | Details → |
| New Jersey | $8,286/yr | $691/mo | $2,565/yr | Details → |
| Louisiana | $10,160/yr | $847/mo | $2,943/yr | Details → |
| New York | $10,522/yr | $877/mo | $3,913/yr | Details → |
| Florida | $10,809/yr | $901/mo | $3,058/yr | Details → |