How much can I expect to pay for my own car insurance plan as an 18-year-old driver?
I just turned 18 and I'm going to get my first car soon. I have to get my own car insurance plan since my dad won't put me on his. How much do you think I'll pay?
Answer provided by
Answered on Apr 12, 2021
Unfortunately, I can’t give you an exact figure since car insurance prices are dependent on personal factors like your credit score, zip code, and vehicle type. You and another driver could get quotes for the exact same car and be presented with wildly different rates.
But what I can tell you is that since you’re a young driver with little experience on the road, you’ll be perceived as more of a risk and charged more for coverage. There’s no getting around that.
However, there are things you can do to keep your rates reasonable. First and foremost, try to drive safely. Avoid accidents and moving violations at all costs, as these can cause your rates to spike.
If you’re a student, ask your insurer if you qualify for a good student discount. Or ask your insurer if they offer a discount for completing a driver’s education course.
And last but not least, shop around for insurance. Get at least three quotes. Because each company determines rates differently, getting quotes from multiple providers is the best way to find a good price.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Should I keep an NNO policy since I will be without a car for six months?
I will be working on location in NYC for the next six months. I sold my car before I moved and was going to cancel my insurance. My agent told me that an NNO policy would only be $20 a month. Should I get it since it is so cheap?
Apr 29, 2021
How does a voluntary repossession affect my credit score?
I can't pay my car loan anymore. But instead of making the bank repo the vehicle, I'm going to give them the keys. How will this affect my credit score?
May 05, 2021
"What should I do after a total-loss accident with a liability-only policy? "
My husband hydroplaned into a concrete barrier with my 2017 Ford Fiesta. Husband is fine, Fiesta is totaled. We only have liability on the policy. I called the insurance company and I know they won't pay for the Fiesta. What do we do next?
May 06, 2021