Car insurance can be a major expense for young drivers, and for 18-year-old males, it often comes with a hefty price tag. But why exactly is insurance so costly at this age, and what is the typical amount you can expect to pay? Let’s break it down.
Why Is Car Insurance Higher for 18-Year-Old Males?
Insurance companies base their rates on risk—and statistically, young male drivers are considered high risk. Data shows that male drivers under the age of 25 are more likely to be involved in accidents compared to their female counterparts. At 18, most drivers are relatively inexperienced and may not have a long track record of safe driving, which contributes to the higher premiums.
The National Average for an 18-Year-Old Male
As of 2025, the average annual cost of car insurance for an 18-year-old male in the U.S. ranges between $5,000 and $7,000 for full coverage. If you opt for minimum coverage, the cost typically falls between $1,800 and $2,500 per year. However, these numbers can vary widely depending on several factors such as:
Location (state, city, ZIP code)
Driving record
Vehicle type
Coverage level
Credit score (in states where it’s allowed)
For example, in states like Michigan or New York, rates tend to be much higher than in states like North Carolina or Ohio.