Car Insurance for Teens (16, 17, 18 year olds)
Numbers refreshed
Official and insurer sources set out the rules, discounts and programs that apply to teens (16, 17, 18 year olds).
What to know about car insurance for teens (16, 17, 18 year olds)
- Drivers 16-19 have a fatal crash rate per mile of just over 3 times the rate for drivers 20 and over. (IIHS-HLDI: Fatality Facts 2024: Teenagers)
- In 2024, crashes that involved a teen driver (15-18) killed 2320 people (2024). (NHTSA: Teen Driving)
- Fatal crashes involving teen drivers (15-18) in 2024: for 33 percent of those drivers, speeding was a factor. (NHTSA: Teen Driving)
- A graduated driver licensing (GDL) system with three stages is in place in all 50 states and DC. (NHTSA: Teen Driving)
- GDL can lower the crash risk for teens by up to 50%. (NHTSA: Teen Driving)
- You may get 25 percent off, at most, through the State Farm Good Student Discount. Eligibility: a 3.0+ GPA, a place in the top 20% of your class, or Dean's List or Honor Roll. (State Farm: Auto insurance discounts (statefarm.com))
A personal estimate
The calculator prices your car along with your age and your record in your state, without a name or phone number.
Other people who drive
- Military members
- Seniors
- Veterans
- Car insurance without a driver's license
- New drivers
- High-risk drivers
- Low-income drivers
- College students
- Insurance for leased cars
- First-time drivers (any age)
- Car insurance after a speeding ticket
- Teachers
- Insurance for financed cars
- Rideshare insurance (uber and lyft drivers)
- Car insurance after a dui
- Car insurance after an accident
- Nurses
- Drivers with disabilities
- Women
- Delivery driver insurance (doordash, uber eats)
- International students
First written