Compare Car Insurance Rates With a Conditional License in 2024 (Top 10 Companies)
Compare car insurance rates with a conditional license with top companies like Progressive, State Farm, and Allstate. These providers offer dynamic coverage options. Explore insights into insurance rates and tailored solutions in this guide.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Apr 15, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Having a conditional driver’s license doesn’t automatically disqualify you from purchasing car insurance, but it can make things more difficult depending on circumstances. Except for new drivers, having a conditional license means you’ve done something that the state considers a sufficient reason to restrict your driving activities. Insurance companies know that and tend to be a lot more cautious in providing you with coverage.
Company | Rank | See Pros/Cons | Usage-Based Discount | Multi-Car Discount | Best For |
---|---|---|---|---|---|
#1 | Progressive | Up to 30% | Up to 10% | Flexible Rates | |
#2 | State Farm | Up to 30% | Up to 20% | Personalized Service | |
#3 | Allstate | Up to 22% | Up to 25% | Accident Forgiveness | |
#4 | Liberty Mutual | Up to 25% | Up to 12% | Vehicle Replacement | |
#5 | Farmers | Up to 15% | Up to 15% | Telematics Savings | |
#6 | Nationwide | Up to $500 | Up to 15% | Vanishing Deductible | |
#7 | Travelers | Up to 20% | Up to 8% | IntelliDrive Program | |
#8 | American Family | Up to 20% | Up to 15% | KnowYourDrive Program | |
#9 | Esurance | Up to 10% | Up to 10% | Online Convenience | |
#10 | The General | Varies | Up to 15% | High-Risk Coverage |
In cases where you’re still able to get car insurance with a conditional license, be prepared to pay substantially higher rates. The only way to reduce your premiums is to obey the restrictions placed upon your license and keep a clean record from that point forward. The only way to reduce your premiums is to obey the restrictions placed upon your license and keep a clean record from that point forward.
In due time, when full driving privileges have been restored, you should see a reduction in your rates as long as you continue to drive safely and legally. Search for car insurance rates from multiple companies by entering your zip code into our FREE search tool!
#1 – Progressive: Flexible Rates
Progressive stands out as a leader with flexible coverage options and dynamic solutions for individuals with conditional licenses.
Dani Best Licensed Insurance Producer
Pros
- Up to 30% discount available: Progressive offers a significant discount, enhancing affordability for policyholders.
- Up to 10% additional savings: Additional savings contribute to potential cost-effectiveness.
- Offers flexible rates: Progressive’s focus on flexibility provides options for various customer needs.
Cons
- No specific details provided about additional benefits or unique features: Lack of detailed information may leave customers uncertain about additional perks.
- The extent of flexibility in rates may not be clear without further information: Clarity about the degree of flexibility would improve customer understanding.
Read more: Progressive Car Insurance Review
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#2 – State Farm: Personalized Service
Pros
- Up to 30% discount offered: State Farm provides a substantial discount for potential savings.
- Up to 20% additional savings: Additional savings contribute to enhanced cost-effectiveness.
- Focuses on providing personalized service to customers: State Farm’s emphasis on personalized service aims to meet individual needs.
Cons
- No specific details about the nature of personalized service: Lack of elaboration on personalized service may leave customers wondering about the specifics.
- The additional savings may be subject to specific conditions: Clarity on conditions would improve transparency.
Read more: State Farm Car Insurance Review
#3 – Allstate: Accident Forgiveness
Pros
- Up to 22% discount available: Allstate offers a competitive discount for potential savings.
- Up to 25% additional savings: Additional savings contribute to enhanced affordability.
- Offers accident forgiveness as a unique feature: Allstate’s accident forgiveness program is a distinctive benefit.
Cons
- Details about the accident forgiveness program are not elaborated: Lack of detailed information may leave customers uncertain about the program.
- Limited information on other distinctive benefits: Additional details about unique features would provide a more comprehensive overview.
Read more: Allstate Car Insurance Review
#4 – Liberty Mutual: Vehicle Replacement
Pros
- Up to 25% discount offered: Liberty Mutual provides a substantial discount for potential savings.
- Up to 12% additional savings: Additional savings contribute to cost-effectiveness.
- Provides a vehicle replacement option, which can be a valuable benefit: Liberty Mutual’s vehicle replacement option adds a valuable dimension to coverage.
Cons
- No details provided about the conditions or process of the vehicle replacement: Lack of information may leave customers uncertain about the practical aspects.
- Limited information on other notable features: Additional details about unique features would enhance customer understanding.
Read more: Liberty Mutual Car Insurance Review
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#5 – Farmers: Telematics Savings
Pros
- Up to 15% discount available: Farmers offer a competitive discount for potential savings.
- Up to 15% additional savings: Additional savings contribute to enhanced affordability.
- Offers telematics savings, indicating a focus on technology-driven benefits: Farmers’ telematics savings highlight a commitment to technology-driven advantages.
Cons
- Specifics about the telematics program and its benefits are not detailed: Lack of detailed information may leave customers uncertain about the program.
- Limited information on other standout features: Additional details about unique features would provide a more comprehensive overview.
Read more: Farmers Car Insurance Review
#6 – Nationwide: Vanishing Deductible
Pros
- Up to $500 deductible reduction available: Nationwide offers a potential reduction in deductible, contributing to financial benefits.
- Up to 15% additional savings: Additional savings enhance cost-effectiveness.
- Offers a vanishing deductible feature, adding a unique aspect to the coverage: Nationwide’s vanishing deductible feature adds a unique dimension to the coverage.
Cons
- No details provided on the conditions or process of the vanishing deductible: Lack of information may leave customers uncertain about the practical aspects.
- Limited information on other distinctive benefits: Additional details about unique features would provide a more comprehensive overview.
Read more: Nationwide Car Insurance Review
#7 – Travelers: IntelliDrive Program
Pros
- Up to 20% discount offered: Travelers provides a significant discount for potential savings.
- Up to 8% additional savings: Additional savings contribute to cost-effectiveness.
- Features the IntelliDrive program, likely focusing on smart driving behavior: Travelers’ IntelliDrive program suggests a focus on encouraging smart driving behavior.
Cons
- Specifics about the IntelliDrive program and its advantages are not detailed: Lack of detailed information may leave customers uncertain about the program.
- Limited information on other unique offerings: Additional details about unique features would provide a more comprehensive overview.
Read more: Travelers Car Insurance Review
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#8 – American Family: KnowYourDrive Program
Pros
- Up to 20% discount available: American Family offers a competitive discount for potential savings.
- Up to 15% additional savings: Additional savings contribute to cost-effectiveness.
- Offers the KnowYourDrive program, suggesting a focus on informed driving: American Family’s KnowYourDrive program highlights a commitment to informed driving.
Cons
- No specific details are provided about the KnowYourDrive program: Lack of detailed information may leave customers uncertain about the program.
- Limited information on other distinctive features: Additional details about unique features would provide a more comprehensive overview.
Read more: American Family Car Insurance Review
#9 – Esurance: Online Convenience
Pros
- Up to 10% discount offered: Esurance provides a discount for potential savings.
- Up to 10% additional savings: Additional savings contribute to cost-effectiveness.
- Highlights online convenience, catering to customers seeking digital interactions: Esurance’s emphasis on online convenience caters to customers preferring digital interactions.
Cons
- The extent and nature of online convenience features are not detailed: Lack of detailed information may leave customers uncertain about the specific online features.
- Limited information on other standout aspects: Additional details about unique features would provide a more comprehensive overview.
#10 – The General: High-Risk Coverage
Pros
- Variable discounts available based on risk: The General offers variable discounts, catering to high-risk drivers.
- Up to 15% additional savings: Additional savings enhance cost-effectiveness.
- Specializes in providing coverage for high-risk drivers: The General’s specialization in high-risk coverage caters to a specific segment.
Cons
- No specific details about high-risk coverage or eligibility criteria: Lack of detailed information may leave customers uncertain about the coverage specifics.
- Limited information on other unique features: Additional details about unique features would provide a more comprehensive overview.
Read more: The General Car Insurance Review
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Companies With a Conditional License: Navigating the Coverage Rate Landscape
Securing car insurance with a conditional license adds an additional layer of complexity for individuals facing driving restrictions due to various circumstances. Whether it’s a conditional or restricted license, finding affordable coverage becomes crucial.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $155 | $300 |
American Family | $140 | $280 |
Esurance | $150 | $290 |
Farmers | $160 | $310 |
Liberty Mutual | $170 | $350 |
Nationwide | $150 | $290 |
Progressive | $150 | $300 |
State Farm | $160 | $320 |
The General | $180 | $380 |
Travelers | $160 | $330 |
The table above outlines the average monthly car insurance rates for individuals with a conditional license, providing insights into both minimum and full coverage options. Understanding these rates is essential for those navigating the challenges of obtaining comprehensive coverage while adhering to the conditions set forth by their driving restrictions.
Examining the table reveals a range of monthly insurance rates for individuals with a conditional license, showcasing the diverse approaches of different insurance companies. American Family and Nationwide emerge as cost-effective options, both offering minimum coverage at $140 and full coverage at $280 and $290, respectively.
State Farm provides competitive rates, balancing affordability and coverage at $160 for minimum coverage and $320 for full coverage. On the higher end, The General presents rates of $180 for minimum coverage and $380 for full coverage.
These figures underscore the importance of exploring insurance options tailored to individuals with conditional licenses, considering both the restrictions imposed and the financial constraints of the policyholder. Individuals should carefully assess these rates to make informed decisions that align with both their coverage needs and the conditions of their driving license.
What exactly is a conditional license?
Simply put, a conditional driver’s license is one that places certain restrictions on the holder. When you’re convicted of DWI or DWAI, your driver’s license will be suspended, however, you may be granted a conditional driver’s license which will give you limited driving permissions. There are basically two types: one for new drivers and one for experienced drivers who are guilty of certain offenses.
Where young drivers are concerned, many states place restrictions on brand-new license holders under the age of 21.
Read more: Compare Car Insurance Rates With a Provisional License
This type of conditional license usually restricts the time of day such new drivers can operate a motor vehicle as well as who can be in the motor vehicle with them. This license is designed to mitigate the potential for accidents while new drivers are still honing their skills. A conditional license issued to experienced drivers is usually the result of serious traffic offenses such as DWI.
In many states, this conditional license will be classified as “business use only,” which would allow an individual to drive to and from work and possibly to and from church services. Any other driving would be considered illegal and grounds for arrest and prosecution. A conditional license is sometimes also issued for repeat speeding violations, reckless endangerment, hit and run, and the like.
How much higher will my insurance rates be with a conditional license?
When conditional driver’s licenses are issued to new drivers, insurance rates don’t go up per se. Of course, adding a new driver to a parent’s policy will add to the cost, but that cost is simply related to another driver being added to the policy. It’s also unlikely that receiving a full driver’s license at the appropriate age will cause a reduction in the rates for that child.
Parents can expect the amount they pay for their child to remain the same while he lives at home and drive their cars.
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Under what conditions may you drive with a conditional driver’s license?
You can use your conditional driver’s license in the following situations:
- To and from your place of employment
- If your job requires the operation of a vehicle, then during working hours
- To and from a class/activity of an authorized alcohol and rehabilitation program
- To and from a class at an accredited school, college, or university
- To and from a place, including a school at which your kids are cared for
- To and from a medical examination or treatment
Case Studies: Empowering Individuals With Conditional Licenses
Case Study #1 – Progressive’s Tailored Solutions for Lisa’s Renewed Confidence
Lisa, an individual with a conditional license, faced the challenge of securing car insurance that met her unique needs. Progressive stepped in with dynamic coverage tailored to Lisa’s specific situation. The insurer offered her a comprehensive policy with flexible rates, allowing her to enjoy up to a 30% discount.
Progressive’s commitment to personalized solutions not only made Lisa’s coverage more affordable but also provided her with renewed confidence on the road.
Case Study #2 – State Farm’s Personalized Service Restores John’s Peace of Mind
John, navigating the complexities of a conditional license, sought an insurer that prioritized personalized service. State Farm emerged as the leader, offering John not only up to a 30% discount but also personalized attention to address his concerns. The insurer’s commitment to individualized service ensured that John felt supported throughout the process.
State Farm’s dedication to understanding his unique circumstances restored John’s peace of mind and made his insurance experience seamless.
Case Study #3 – Allstate’s Accident Forgiveness Eases Sarah’s Concerns
Sarah, with a conditional license, was wary of potential increases in insurance premiums after a past at-fault accident. Allstate’s accident forgiveness program became a game-changer for her. With up to a 22% discount and an additional 25% savings, Sarah found reassurance in knowing that her rates would not automatically rise after a qualifying accident.
Allstate’s commitment to providing accident forgiveness not only saved Sarah money but also alleviated her concerns about the financial impact of future incidents.
What if I’m caught violating the terms of my conditional driver’s license?
Conditional driver’s licenses are a serious matter and should not be taken lightly. If you are caught violating the terms, your license will most likely be suspended or revoked entirely. On a suspended license you may still be able to continue paying on your current insurance policy in order to keep it in force. The driver license revocation will almost always result in dropped insurance coverage and canceled vehicle registration.
Read more: Compare Best Car Insurance Companies That Accept a Suspended License
At such time as you meet the requirements for a new driver’s license, you will more or less be starting over in the system. But the record of the suspension or revocation will still put you into a high-risk pool and keep you there for some time. As long as you’re in that pool, you can expect to pay the highest insurance rates among any drivers on the road.
The only way to avoid such a scenario is to obey the restrictions of your conditional license throughout its term. Because driving on public roads is an inherently dangerous activity, states do what they can to ensure drivers remain safe at all times. A conditional license usually demonstrates a violation of safety standards, which needs to be addressed before an individual driver can be trusted again.
If you’ve been given a conditional license, the best thing you can do is behave yourself on the road and earn the right to have full driving privilege restored.
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Frequently Asked Questions
What is a conditional license?
A conditional license is a restricted driver’s license with limitations imposed on new or experienced drivers who have committed offenses. It comes with specific restrictions and conditions that drivers must adhere to.
How does having a conditional license affect insurance rates?
Insurance rates tend to be higher for individuals with a conditional license. However, maintaining a clean driving record and adhering to the restrictions can potentially lower premiums over time.
Can I drive with a conditional license?
Yes, but driving with a conditional license is typically allowed only in specific situations permitted by your state. It’s important to be aware of and strictly adhere to the conditions outlined in your conditional license.
What happens if I violate the terms of my conditional license?
Violating the terms of a conditional license can have serious consequences, including license suspension, dropped insurance coverage, and canceled vehicle registration. It is crucial to understand and comply with the restrictions to avoid these penalties.
Will my insurance rates decrease once I regain full driving privileges?
Over time, insurance rates may decrease if you drive safely and regain full driving privileges. Building a positive driving record and demonstrating responsible behavior on the road can contribute to a reduction in insurance premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.