Insurance Cost for Young Drivers
Young drivers often face higher car insurance premiums. This page links to state-level estimates so you can see typical cost ranges for 18-19 and 20-24 year olds and understand why age affects rates.
Quick Answer
Young drivers (18-25) typically pay more for car insurance because insurers treat them as higher risk. Rates vary by state, coverage level, and driving record. Use the state links below to see estimated ranges for your age group.
Estimates by Age Group
Select a state to see estimated cost for that age bracket (typical driver, full coverage).
Average insurance cost age 18 to 19
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
Average insurance cost age 20 to 24
Why Age Affects Premiums
Insurers use age and experience as risk factors. Younger drivers have less driving history and statistically higher claim rates, which leads to higher premiums in most states.
Related
Auto Insurance by State · Coverage Comparisons · How we calculate · Sources
Frequently asked questions
Are these quotes?
No. These are educational estimates from state-level data. Get quotes from insurers for your situation.
Why does age affect premiums?
Insurers use age and experience as risk factors. Younger drivers have less driving history and statistically higher claim rates, which leads to higher premiums in most states.
How do I use this page?
Use the state links in each section to open a scenario page (e.g. that age, clean record, full coverage) for that state. Then get quotes from multiple insurers.