Guides
Short, plain answers to the questions families ask most, worked out from the same public data and math as the rest of the site.
- Cheapest cars to insure for a teen driver
Which popular cars cost the least to add a new 16-year-old with, and why.
- Adding a teen driver: what it costs
What a new 16-year-old adds to a typical policy, state by state, and what changes it.
- Car insurance by state
Every state and DC: the typical price, the least insurance the law asks for, and what a new teen driver adds.
- What popular cars cost to insure
121 cars, SUVs, and trucks, each with a typical price, what adding a teen costs, and why.
State guides with rate-comparison surveys and minimum rules
Every state page combines NAIC's 2023 full-coverage, liability-only, and average-expenditure figures (brought up to today with the federal insurance price index) with verified minimum-coverage statutes. Pages for Texas, California, Colorado, Oklahoma, North Dakota, and the District of Columbia also include sample rate-comparison tables from their state insurance departments, and North Carolina includes the statutory Safe Driver Incentive Plan points schedule.
Popular car pages
Each model page shows a 45-year-old's full-coverage estimate, a used model-year table, HLDI claim results by coverage, and sample state prices: Honda Civic, Toyota Corolla, Toyota Camry, Honda Accord, Mazda 3, Subaru Impreza, Hyundai Elantra, Kia Forte, Toyota Prius, Nissan Sentra, and all 121 models.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.