Written by: VehiclesInformation Editorial Team · Fact-checked against: state insurance department rules and 2026 rate data (our methodology) · Last reviewed: October 2026
Estimate car insurance for a teen driver in seconds. The calculator below is set to the 16–19 age group; pick your state, car and coverage. On their own policy, teens pay about $380 to $540 a month for full coverage. Adding a teen to a parent’s policy usually adds about $185 to $250 a month, depending on discounts.
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Teen car insurance cost by age
| Age | Own policy, full coverage (monthly) | Added to parent policy (extra per month) |
|---|---|---|
| 16 | $540 | about $250 |
| 17 | $480 | about $225 |
| 18 | $430 | about $205 |
| 19 | $380 | about $185 |
U.S. average estimates with a clean record and a mid-size sedan. Good student and telematics discounts can cut the added cost by 15% to 30%.
How to use the results
- The calculator shows the cost of a teen on their own policy. Adding them to your policy usually costs about half of that.
- Try “Liability only” on an older car to see the cheapest option.
- Change the vehicle type: a minivan or small SUV is far cheaper than a sports car for a teen.
Ways to lower teen car insurance
The biggest savings come from adding the teen to a parent’s policy, the good student discount, driver’s education, a telematics app and choosing a safe, modest car. We explain each one, with real numbers, in our guide to how much car insurance costs for a 16-year-old.
Frequently asked questions
How much does it cost to add a teenager to car insurance?
About $185 to $250 a month on average for full coverage, less with discounts.
When should I add my teen to my policy?
When they get a license, and tell your insurer when they get a learner’s permit.
Is it cheaper for a teen to have their own policy?
Almost never. A separate policy usually costs about twice as much.
What is the cheapest car for a teen to insure?
A used minivan, small SUV or mid-size sedan with strong safety ratings.
About our numbers
Prices on this page are estimates for U.S. drivers, built from 2025–2026 published rate studies (including Insurify, CarInsurance.com, The Zebra and state insurance department rules) and our own pricing model. Percentages for age, tickets, accidents, DUI, credit and vehicle type are our model estimates, not quotes. Your insurer, ZIP code and history will change your price. Read how we estimate car insurance costs.
Written by the VehiclesInformation editorial team. Checked against state insurance rules and 2025–2026 rate data. Last updated October 2026. This is general information, not insurance or legal advice.
VehiclesInformation Editorial Team
The VehiclesInformation Editorial Team researches and writes our car and car insurance guides for U.S. drivers. Insurance figures are checked against state insurance department rules and published 2026 rate studies, and pages are updated when laws or rates change. Read how we estimate car insurance costs.