Car insurance calculator for teens

Navigating auto insurance options can feel overwhelming, but our car insurance calculator for teens simplifies the process, allowing you to estimate the cost of coverage quickly so you can get a policy at the best possible price.

By entering a few key details, you can see different coverage options, costs and limits to help you make the best choice.

Car insurance calculator for teens

ZIP Please enter a valid ZIP code

Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level 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

Full coverage State minimum liability Liability only

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Average annual rates for teen drivers

33315 -  Fort Lauderdale

$11,195 Average rate

$15,772 Highest
rate

$9,287 Lowest
rate

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

Company	Average annual rate
Travelers	$15,772
UAIC	$11,549
Progressive	$11,129

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

Company	Average annual rate
Geico	$9,287
State Farm	$9,485
National General	$10,315

How to estimate car insurance rates for teens

Our calculator is straightforward to use and requires only a few essential details to get started, including: 

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

Below you can find an explanation of the different coverage types and limits to help you make an informed decision.

Coverage types and limits

The calculator allows you to choose from three coverage levels: 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. 

On your auto insurance policy, the numbers 25/50/10 or 50/100/50 specify the maximum amounts covered by your liability insurance. 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. These limits vary from state to state.

• Bodily injury liability (per person/per occurrence): Bodily injury liability coverage is designed to cover medical expenses, lost wages and legal fees for people injured in an accident where you’re found at fault. The coverage limit is typically split into two amounts: per person and occurrence. For example, if your state minimum liability is 25/50, 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.

Keep in mind that liability insurance only covers damage you cause to others; it won’t cover any damage to your own vehicle 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 uses 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 offers the most robust auto insurance coverage, combining both liability coverage and physical damage protection for your vehicle. Because it offers the most protection, it is also the most extensive form of auto insurance available.

Liability coverage safeguards you financially if you’re responsible for causing injury or property damage to others in an accident.

Physical damage coverage, which includes comprehensive and collision, protects your vehicle from a range of risks—including theft, vandalism, natural disasters and collisions with other vehicles or objects.

Coverage also includes: 

• Comprehensive coverage: Often called “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 you are responsible for paying before the insurance covers the remaining costs.

When you choose full coverage, the calculator applies coverage limits of 100/300/100, with comprehensive and collision deductibles set at $500. This means you’ll have $100,000 in bodily injury liability per person, $300,000 per accident and $100,000 for property damage liability.

Use the full coverage calculator to estimate 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 16-year-old drivers at $1,747. The second cheapest state is Maine at $4,888. 

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

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

Why do teens pay more for car insurance?

Car insurance can be a significant expense for teen drivers, often costing more than it does for older, more experienced drivers. 

One of the primary reasons teens face higher insurance premiums is their lack of driving experience. Insurance companies assess risk based on driving history, and since most teens are just starting, they have little to no track record to demonstrate safe driving habits. This inexperience can lead to a higher likelihood of accidents, which insurers consider when setting rates.

According to a study by NHTSA, young drivers are more likely to be involved in accidents than adult drivers. In 2021, drivers aged 20 and under accounted for 5.1% of all licensed drivers in the U.S. However, they represented 8.5% of all drivers involved in fatal crashes and 12.6% of drivers in all crashes.

Teenage drivers can work towards lowering their premiums over time if they focus on safe driving habits and are strategic about vehicle choice and insurance options.

Smart ways for teens to get cheaper car insurance premiums

Here are some smart ways teens can save on car insurance:

• Shop around for quotes: Make sure to compare quotes from at least three insurance companies. Each insurer has different rates and discounts, so take the time to comparison shop to get the most affordable car insurance rates.
• Consider a higher deductible: If you opt for a higher deductible, it can lower your car insurance premium, but you’ll have to pay more out-of-pocket in the event of a claim.
• Take a driver’s education course: Many insurers offer discounts to teens who complete a state-certified driver’s education course. These programs improve driving skills and can help you get a discount on insurance premiums.
• Maintain good grades: Insurance companies often reward good students with discounts. Teenage drivers who maintain a certain GPA (typically a B average or higher) can often qualify for these discounts.
• Drive safely and avoid accidents: Safe driving is the best way to reduce insurance costs. Encourage your teen to avoid distractions, follow traffic rules and be mindful of their surroundings. A clean driving record can lead to lower premiums over time.

Final thoughts on car insurance for teens

For the lowest possible out-of-pocket cost, we recommend that a teen stay on their parent’s auto insurance policy as long as they can. 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 34,588 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.