5 Most Expensive States for Teen Driver Car Insurance in 2021
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It’s no secret that teen driver car insurance tends to be more expensive. Given that teens often don’t have a lot of money, this can be very frustrating.
Another factor that comes into play is the state you live in. In certain states, car insurance premiums for teens are almost $500 more a month than in other states, according to our own data here at Jerry.
Teen driver car insurance is more expensive.
Why is teen driver car insurance more expensive?
Teen driver car insurance tends to be more expensive simply due to the high risk of accidents for this age group. According to The National Highway and Traffic Safety Administration (NHTSA), teen drivers have a higher rate of fatal accidents mainly because of their lack of experience behind the wheel. Immaturity may also play a role.
In fact, the NHTSA analyzed a study that showed teen drivers were two-and-a-half times more likely to participate in one or more risky behaviors when driving with a peer, than driving alone. The same study found that the likelihood of risky behavior increased even further with multiple passengers in the car.
One way that teen drivers can save on car insurance is to go on their parents’ car insurance policy, rather than getting one on their own. The parent may also qualify with a multi-vehicle discount this way.
According to Car and Driver, families can expect to pay about 150% more for car insurance after adding a teen driver to the policy.
The most expensive states for teen driver car insurance in 2021
According to our data, the five most expensive states to insure teen drivers ages 16 to 19 with no violations are New York, Louisiana, Rhode Island, New Jersey, and Maryland (Hawaii and Alaska were excluded).
New York tops the list, where average monthly car insurance premiums for teens are $646.
The rest of the top five in monthly premiums are:
- Louisiana: $627
- Rhode Island: $455
- New Jersey: $445
- Maryland: $444
For comparison, the state with the least expensive car insurance for teens is Iowa, where average monthly premiums are $134.
Our data makes sense, as most of the states on the top five with the most expensive car insurance for teens are also on the list of most expensive states for car insurance in general.
When looking at the general most expensive states for car insurance, those states are: New York, Louisiana, Rhode Island, Georgia and Nevada.
Cheap car insurance for teens
The good news is that if you are a teen, it’s still possible to find insurance at an affordable rate no matter where you live. Jerry can help.
Jerry’s free app will save you the hassle of trying to find the most affordable car insurance that also will give you the best coverage. It compares quotes from up to 45 different insurance companies for you in under a minute, without any long forms to fill out.
Jerry will send you quotes that compare to your current coverage—and as a licensed broker, it takes care of your insurance needs from start to finish. The app also monitors your car insurance rate every six months on an ongoing basis.