Teen driver car insurance tends to be more expensive than other age groups. But there are still parts of the country where teens can get a pretty good deal on
car insurancecompared to other areas.
In fact, car insurance premiums for teens in certain states are almost $500 more a month than in other states, according to our own data here at
Why is teen driver car insurance more expensive?
Teen driver car insurance is usually more expensive because teens are seen as a high-risk driving group.
According to the
Centers for Disease Control and Prevention (CDC), the risk of motor vehicle crashes is higher for ages 16 to 19 than any other age group. In fact, teens in this age group are almost three times more likely than drivers aged 20 and over to be involved in a fatal crash.
Immaturity, lack of experience and high rate of distracted driving all reportedly contribute to the high rate of car crashes among teenagers.
Distracted driving in particular is a problem, as a CDC’s 2019 Youth Risk Behavior Survey revealed that among U.S. high school students who drove, 39.0% texted or e-mailed while driving at least once during the 30 days before the survey.
Younger drivers start to get more favorable car insurance rates when they hit the age of 25, but some companies do start offering lower rates for women when they turn 21.
What are the least expensive states for teen driver car insurance?
According to our data, the five least expensive states to insure teen drivers ages 16 to 19 with no violations are Iowa, Alabama, North Carolina, Indiana, and California (Hawaii and Alaska were excluded).
Iowa tops the list as the least expensive state to insure teen drivers, with an average monthly premium for teens at $134.
For comparison, the state with the most expensive car insurance for teens is New York, where average monthly premiums are $646.
Interestingly, the list of states with the
cheapest car insurance ratesfor teen drivers is different from the list of least expensive states for car insurance in general.
This might have to do with the fact that states with the lowest overall car insurance premiums tend to have lower population densities, fewer uninsured motorists, and a good amount of competition among insurance providers.
Overall, the five states with the cheapest car insurance rates in general are Maine, New Hampshire, Ohio, Wisconsin, and Idaho.
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.
The 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.