FAQ
Frequently asked questions
Short answers about car insurance for 18 year olds. Each links to the guide that covers the question in depth.
All questions
How much is car insurance for an 18-year-old?
$3,500–$5,500 a year for full coverage on their own policy; $1,400–$2,600 added to a parent's. See cost.
Can an 18-year-old get their own policy?
Yes. See own policy.
Is it cheaper to stay on my parents' insurance?
Usually by 40–60%, if you live at home. See parents' policy.
What coverage do I need at 18?
Liability above the minimum, UM, and collision/comp if the car is financed or worth more than about $5,000. See coverage.
What discounts can I get?
Telematics, good student, driver training, distant student, multi-car. See discounts.
What car is cheapest to insure at 18?
A mid-size sedan or small SUV with a modest engine. See cars.
Does this site sell insurance?
No. It is an independent reference; quote tools connect you with licensed comparison partners. See the advertising disclosure.