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WE HAVE THE CHEAPEST AUTO INSURANCE FOR TEENS & YOUNG DRIVERS
We Compare Car Insurance Rates So You Don't Overpay
Find the cheapest car insurance for young drivers with Money Saving Expert comparing the best deals, then adding discounts and cashback offers to save.
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To help teen drivers and their families lower the cost of car insurance, Angel Family Insurance compared quotes from all the major car insurance companies for teen drivers with their own policies.
What is the best car insurance for young drivers?
Teens and other new young drivers under 25 can get good, affordable car insurance despite generally being considered higher risk.
Being under 25 does not limit the types of car insurance coverage you can choose from, and you may even be eligible for special discounts.
Keep in mind that adding a new driver to an existing policy is not always the recommended way to get cheap car insurance for teens and young drivers under 25.
For instance, if a parent or guardian has serious driving offenses or multiple violations, it may be cheaper for the new driver to get their own policy.
The best way to find out is to get an auto insurance quote for your teen or add the new driver to your existing policy to see how much your premium changes.
The best car insurance for a young driver will always come down to the driver’s individual needs.
If you’re a young driver looking for the right insurance, here are a few tips to aid you in your search.
If you drive your car often – to and from work or school – it may be better to have more protection than if you only drive your car on the weekends. That means having coverage that could help reimburse you for repairs if you’re in an accident, as opposed to the bare minimum coverage, which helps cover the other driver if you’re at fault.
Can you get affordable car insurance if you’re under 25?
Yes, as a young driver you can get affordable car insurance, even if you’re under the age of 25. Age alone doesn’t determine car insurance premiums.
There are ways to keep costs down, too, regardless of whether you’re a young or new driver. For instance, the safer your car is, the more likely you are to save on your car insurance premium. Insurers like when your car has a high crashworthiness rating, safety equipment, and anti-theft devices, all of which could help lower your rate or land you car insurance discounts.
Why is car insurance more expensive for teenagers and drivers under 25?
Unfortunately, the rate of car accidents per mile driven are disproportionately high among young drivers, and particularly, drivers under the age of 20 according to data from the National Highway Traffic Safety Administration.
Teens and other young drivers are less likely to safely navigate difficult driving conditions or react as effectively to unexpected hazards compared to more experienced drivers. Increased accidents lead to more claims and insurance companies compensate for these costs through the premiums they charge to younger, higher risk drivers. Learn more about how to help keep teens save while driving.
Always drive safe
Safe driving not only protects you and others while you're on the road, it can help you save money in the long term.
Distracted driving is one of the lead causes of accidents for teens and young drivers. Be sure you're creating a safe environment for your teen or yourself when driving. Cellphone use should be for navigation or emergencies only and make sure it's in a secure location. Avoid eating and multi-tasking so your focus can be 100% on the road and your surroundings.
Avoid accidents and moving violations to help keep your insurance costs low. Most insurance companies reward safe driving with discounts and having an accident-free and moving violation-free record will prevent your insurance rate from increasing.
What is the best car insurance coverage for teens and other new drivers?
States have different requirements for what is considered the legal minimum required car insurance coverage for all drivers. Additionally, if you lease or finance your car, you may be required to have comprehensive and collision insurance.
Regardless, teens and those under age 25 may want to consider adding additional coverage beyond required minimums to account for their increased risk of accidents. This may require more costs up front but could save you money later if accidents do occur. For instance, collision coverage can help cover the cost of damage to the car your teen is driving and pay for damages to any cars they may hit.
24-Hour Roadside Assistance coverage can also be a good idea for teens and give parents peace of mind. It can help them 24/7 in the event of a flat tire, a breakdown, or if they get locked out of their vehicle.
How much is car insurance for someone under 25?
The national average rate for car insurance for a 25-year-old driver is $84 per month for minimum coverage and $256 per month for full coverage. At 25 years old, auto insurance rates are still higher than for older drivers, but significantly cheaper than for drivers in their teens.
Keep in mind that costs will vary significantly by ZIP Code, type of vehicle, driving history, elected coverage, and many more factors.
For instance, if your teen is driving a car equipped with certain safety features, they'll be that much more likely to avoid an accident. That's why so many insurance companies offer a discount for features like lane-assist and anti-lock brakes.
What factors impact the cost of car insurance for a young driver?
Many factors go into determining your car insurance cost. These include things like:
- The type of car you drive
- Accident and auto theft rates in your area
- How often you drive your car
- The specific coverages on your policy
- Your car’s safety features
- Whether you pay for your policy upfront or monthly
Additionally, your premium can change when your car insurance policy renews. Driving without being at-fault in an accident, making timely payments, or installing more safety features may help lower rates at renewal. Plus, more and more insurers are offering safe-driving programs that monitor your driving behaviors and reward you for safer driving.
What kind of auto insurance coverage do I need?
As a young driver looking for quality protection, you’ll need to consider two things: which coverages are required in your state, and which optional coverages may help better protect you, your passengers, and your car.
Here are the most common required coverages:
- Auto liability insurance<is a required coverage in most states. It helps pay for the other driver’s expenses if you cause an accident.
- Uninsured motorist coverage is required in some states, and helps cover your repairs and medical bills if an uninsured or underinsured driver is to blame for an accident.
- Personal injury protection (PIP) and >medical payments coverage
help cover medical expenses if you’re involved in an accident. Depending on which state you’re in, you may be required to carry one of these coverages.
If you’re leasing or financing your car, you may be required by the lease holder or lender to get comprehensive or collision insurance coverage.
Other common optional coverages that may be worth considering include:
- Rental reimbursement coverage
- Gap insurance coverage
- Towing and labor cost coverage
If you have unique needs, you may want to consult with an insurer to see what other coverages make sense. As an example, if you use your car for ridesharing, you will need to get separate rideshare insurance.
How Mom and Dad can Control and Monitor Their Children's Driving
Teen Guide To Car Insurance
While teens face higher car insurance premiums, both they and their parents have a few options when it comes to insuring teen drivers.
Do Teens Need Their Own Insurance Policy?
Generally, teens do not have to worry about getting their own car insurance policy. More often than not, parents add their teen drivers to their own policies because it’s usually the cheaper option.
NOTE: Some teens own their own cars; in these cases, usually they have their own car insurance policies. However, most states have strict rules on teens owning property (such as vehicles), meaning parents have to at least co-sign for the property. If this is your case, talk with your state’s motor vehicle agency about state policies for teens to own vehicles outright.
Will Insuring a Teen Driver Raise Parents’ Rates?
Typically, adding your teen to your policy will increase your premiums; however, it doesn’t have to skyrocket your rates.
There are plenty of steps both teens and parents can take to maintain affordable premiums. Continue reading below for more information.
Tips to Save Money On Teen Car Insurance
Both teen drivers and their parents can find ways to to get cheaper teen car insurance.
Teen Drivers
- Get good grades.
- Many auto insurance companies offer good student discounts, which are discounts for teen drivers who make a certain grade point average (usually a B average).
- Enroll in driver's education.
- Your state may or may not require Driver’s Ed. However, many providers offer discounts for successfully completing a driver's education course, so you may wish to seriously consider it, even if it’s not a state requirement.
- Take an additional driver training course.
- Depending on your insurance company, an additional driver training course could knock even more dollars off your premium. The extra training brings instant and future benefits as far as safe driving is concerned.
- Avoid pushing for a fancy ride.
- Newer models and flashy cars are more expensive to insure than older models or practical rides.
- Pay a higher deductible.
- If your parents agree to increase their deductible, it will help lower insurance rates overall.
NOTE: Lots of companies offer good driver discounts. Because you’re young and just starting out, you haven’t had much time to prove yourself as a good driver (most companies require consecutive years of accident-free driving before a driver can qualify for this discount). However, that doesn’t mean you shouldn’t be aware of potential savings. Spending the first several behind-the-wheel years driving safely will help you get cheap car insurance in the future.
Parents
If your teen is just getting her license, you can employ the following strategies to save money when you add her to your policy:
- Ask about multiple-vehicle auto insurance discounts.
- Adding another vehicle to a policy that already has at least one vehicle could earn you a discount.
- Buy (or encourage your teen to purchase) a sensible vehicle.
- “Sensible” means it has a high safety rating (bonus points for added safety features) and is not a luxury vehicle, which is much more expensive to insure.
- Consider increasing your deductible.
- Doubling your deductible usually lowers your rates automatically.
- Think twice about collision and comprehensive coverage.
- If your teen drives an older model car that isn’t financed, it might make more financial sense to skip these optional coverage types.
- Find out if you can include your teen driver on your policy as an “occasional” or “pleasure-use only” driver.
- Listing her as a primary driver will cost more.
Other Discounts
Don’t forget to ask about other unrelated to your teen driver. You might be eligible for certain car insurance discounts that have nothing to do with your teen and not even know it.
For example, do you purchase both home and car insurance from the same company? Have you been a loyal customer who’s renewed his policy on time for many years? Have you been accident-free for a significant amount of time, enrolled in a driver safety course, or opted to pay your annual premiums in full? Any of these factors can get you a discount.
And if they don’t, it might be time to shop around and compare rates from other companies.
Teen Drivers with Learner’s Permits
Most car insurance companies don’t require parents to add teens with learner’s permits to their policies; generally, that happens once the teen has a driver’s license.
However, it’s crucial to notify your insurance agent when your teen driver gets a learner’s permit. Every provider has its own coverage requirements, and that includes how the company handles drivers with learner’s permits.
Best-selling models are a wise choice, for several reasons:
Selection: Because so many are sold, there are plenty of used models around, which means you'll get a wider selection of mileage, features, colors and prices.
Repairs: Their popularity means more mechanics are able to repair them, plus their parts are widely available and are comparatively inexpensive.
Reliability: Best-selling vehicles became best-sellers for many reasons — and reliability is key among those.
Sedans: We recommend midsize sedans. They are, as a class, reasonably safe and practical, and they don't tempt young drivers to race, go off-roading or engage in dangerous activities. Still, models such as the Honda Accord coupe are sporty enough that the under-25 set won't feel like they're over the hill.
Sports cars: Although this will anger every 15-year-old guy out there, we do not recommend sports cars for teen drivers. Sports cars have the worst insurance claims losses among passenger cars, according to the Highway Loss Data Institute. This isn't entirely because the cars are less safe; it reflects who's driving and how. Granted, a young driver can drag race in a sedan or behave moronically behind the wheel of a minivan, but we believe fast cars often inspire people to drive fast.
Sport utility vehicles: SUVs remain popular, but they may not be as safe for drivers as previously thought, and they remain a threat for occupants of smaller cars that collide with them. Besides, many parents agree they aren't a great first car. For one, they can be more expensive, as a class, than many other cars. They also have a high center of gravity and are therefore more prone than passenger cars to rollovers.
Wagons/hatchbacks: The so-called "grocery getters" of the 1970s and '80s have been replaced by hipper models like the Subaru Impreza and Mazda3. Wagons and hatchbacks offer cargo capability that can rival an SUV's, often have carlike attributes and, in some cases, have all-wheel-drive capability.
Older used cars: We propose five years as the older used-car option here because, nowadays, five isn't all that old. A few warranties last this long or longer, and some certified pre-owned cars include warranties — or give you the option to extend them.
Two things happen as a vehicle ages: Warranties run out, and the need for repairs increases. Because cost is important to both parents and young drivers, we must note that if an inexpensive older car breaks down frequently, it's not really an inexpensive car. If you or your child are mechanically inclined and can handle some of the repairs, though, an older car can be an affordable choice.
At Angel Family Insurance we are committed to helping you find the right insurance coverage at the best price. We are an independent insurance broker with options for you.
Our experienced, local insurance agents, take the time to assess your individual needs and develop a policy that fits your budget.
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