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
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.
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Carol Chung
Answered on Apr 12, 2021
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