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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 28, 2022

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The Full Review

  • Smart Fortwo has the cheapest manufacturer’s suggested retail price
  • Mazda MX-5 Miata has the most affordable car insurance rates for teens
  • Teen drivers can save up to 53% by switching to liability-only coverage

Are you searching for cheap cars for teens? More affordable vehicles tend to produce cheaper insurance rates. But good first cars for teens may still generate more expensive rates.

So how do you get cheap insurance quotes for teen drivers? Don’t worry – we will show you which cars have affordable monthly estimates for teen drivers.

Our article has everything you need to know about the cheapest vehicle for insurance and how to get cheap car insurance for teens.

Read on to learn more about the cheapest cars for teens. If you want to compare insurance quotes in your area, enter your ZIP code in the free online quote tool above.

What are the best cheap cars for teens to insure?

The best and most affordable vehicles for teens to insure may vary. Your car’s value and your age determine the cost of the insurance policy’s monthly payment.

However, our research found several vehicles that can provide cheap full coverage insurance for teen drivers. Check out the list below to see the top 20 most affordable cars for teens.

Average Monthly Car Insurance Rates by Cheap Vehicles for Teens
Car NamesManufacturer's Suggested Retail Price (MSRP)Average Monthly Car Insurance Rates
Mazda MX-5 Miata$23,720$220
Subaru Outback$23,495$228
Volkswagen Golf GTI$25,385$228
Mini Countryman$19,950$231
Volkswagen Routan$28,375$231
Smart Fortwo$13,270$231
Fiat 500L$19,195$232
Honda Odyssey$28,825$232
Subaru Legacy$20,295$233
Mini Paceman$23,300$234
Toyota Sienna$26,920$234
Ford Mustang$22,510$235
Fiat 500$16,845$235
Volkswagen Beetle Hatchback$18,995$236
Buick Encore$24,160$236
Subaru Forester$21,995$236
Subaru XV Crosstrek$21,995$237
Volkswagen Jetta$15,695$238
Volkswagen Beetle Convertible$25,595$238
Dodge Grand Caravan$20,895$239
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The Mazda MX-5 Miata has the cheapest insurance rates per month. Meanwhile, the Smart Fortwo has the lowest manufacturer’s suggested retail price (MSRP). But the most expensive vehicle on the top 20 list is the Dodge Grand Caravan.

You could save a few extra dollars if you buy an older model year. Some of the best cars for teens are used vehicles, and it’s an excellent way to cut costs and an ideal step for young drivers who want to learn how to invest in cars.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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What are the most expensive cars for teens to insure?

The best first cars aren’t always cheap. Sometimes, the first car for a teen driver is expensive, and more costly vehicles mean higher insurance rates.

Let’s examine the top ten most expensive cars to insure for teens in America.

Average Monthly Car Insurance Rates by the Most Expensive Vehicles for Teens
Car NamesManufacturer's Suggested Retail Price (MSRP)Average Monthly Car Insurance Rates
Kia Forte$15,900$274
Mini Cooper Hardtop$23,162$274
Mitsubishi i-MiEV$22,995$274
Scion tC$19,210$272
Kia Rio$13,900$268
Hyundai Accent$14,645$267
Mitsubishi Lancer$17,195$263
Ford F-150$25,025$262
Honda Civic$18,190$262
Hyundai Elantra$17,200$260
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The Kia Forte, Mini Cooper, and Mitsubishi i-MiEV are the most expensive cars to insure, but the Kia Rio has the lowest MSRP in the top ten list. The Ford F-150 is the most expensive by MSRP. Also, the Ford F-150 is the most popular and one of the most accident-prone vehicles in the United States.

Can you get car insurance on your own?

Yes, you can. You can get an insurance policy without your parents or legal guardians, but your car insurance rates will be two to five times more than average.

Teen drivers are considered high-risk drivers because they’re less experienced drivers. Insurance companies correlate teen driving with an exceptionally high risk of filing a claim, so monthly rates are more expensive.

Which states have the most affordable auto insurance rates for teens?

Car insurance companies in each state have the same approach when it comes to insuring teen drivers. Young drivers will likely face costly rates.

However, there’s a way to cut your monthly rates down. Consider liability-only coverage if you’re a teen driver looking to save money on an insurance policy. You could pay between 53 to 66% less for car insurance on average.

Let’s look at the average car insurance rates for teen drivers across the nation.

Average Monthly Car Insurance Rates for Teen Drivers by State
StateAverage Monthly Full Coverage Car Insurance RatesAverage Monthly Liability Car Insurance Rates
Alabama$607$235
Alaska$453$145
Arizona$530$272
Arkansas$868$346
California$515$179
Colorado$641$220
Connecticut$848$419
Delaware$704$375
Florida$717$193
Georgia$642$292
Hawaii$90$29
Idaho$346$138
Illinois$511$215
Indiana$389$153
Iowa$328$99
Kansas$445$158
Kentucky$883$389
Louisiana$1,117$454
Maine$354$150
Maryland$621$288
Massachusetts$415$168
Michigan$869$436
Minnesota$360$163
Mississippi$555$206
Missouri$683$258
Montana$582$173
Nebraska$394$136
Nevada$763$402
New Hampshire$436$176
New Jersey$797$333
New Mexico$481$171
New York$659$349
North Carolina$264$111
North Dakota$402$138
Ohio$338$147
Oklahoma$581$190
Oregon$473$240
Pennsylvania$458$166
Rhode Island$996$534
South Carolina$533$246
South Dakota$413$111
Tennessee$446$165
Texas$851$335
Utah$558$258
Vermont$397$123
Virginia$497$212
Washington$426$187
Washington, D.C.$604$288
West Virginia$503$183
Wisconsin$393$147
Wyoming$374$115
National Average*$551$228
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Full coverage insurance rates are more expensive in all states, but you get comprehensive coverage. However, liability insurance limits your coverage and lowers your payments by more than half.

Liability-only coverage is close to what parents and legal guardians pay for full coverage. We recommend that teen drivers and young adult drivers are initially added to their parent or legal guardian’s policy to avoid high insurance rates.

Does gender affect car insurance for teens?

The majority of states in America allow gender to be used when determining insurance rates. However, some states have outlawed gender-based auto insurance. And they are:

  • California
  • Hawaii
  • Maine
  • Massachusetts
  • Montana
  • Pennsylvania
  • North Carolina
  • Michigan (parts of the state)

When calculating insurance rates, your age, driving record, coverage level are still significant factors, but you can get more reasonable rates.

How do teens get cheaper insurance rates?

Teen drivers can get more affordable rates through car insurance discounts, such as student and driver course discounts. Some insurance companies provide usage-based insurance programs that offer deals to drivers with safe driving habits.

But if teen drivers want to save money, they should consider being added to a parent or legal guardian’s car insurance policy.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Cheap Cars for Teens: The Bottom Line

Good cars for teens aren’t always cheap, and you may have to spend more money to ensure your teen is safe. Smaller vehicles are more affordable with insurance, but they might be less secure than heavier vehicles like trucks and compact SUVs.

Female teen drivers typically generate cheaper rates, but gender isn’t a factor in states like California. Therefore, we recommend that you rely on qualifying for discounts. If you want the cheapest full coverage auto insurance, consider being added to a parent or legal guardian’s policy.

If you’ve already bought a car, use our free comparison tool to compare multiple insurance companies near you.