Compare Car Insurance Rates for Young Drivers With Points in 2024 (Top 10 Companies)
Compare car insurance rates for young drivers with points by considering State Farm, USAA, and Progressive as top choices. Take into consideration factors like credit score, mileage impact, and coverage specifics to make a well-informed decision when selecting the best company.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Feb 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.
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: Feb 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
Pros & Cons
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
Teen drivers generally face higher auto insurance rates, especially if they have points on their license. Each state has its own duration for how long points remain on a license. In addition to shopping around for the cheapest rates, there are some discounts that teen drivers may be able to take advantage of. Compare now! Enter your zip code above.
Company | Rank | See Pros/Cons | Multi-Policy Discount | Good Student Discount | Best For |
---|---|---|---|---|---|
#1 | State Farm | Up to 10% | Up to 25% | Customer Service | |
#2 | USAA | Up to 10% | Up to 15% | Military Families | |
#3 | Progressive | Up to 30% | Up to 10% | Driving Safety | |
#4 | Allstate | Up to 25% | Up to 20% | Accident Forgiveness | |
#5 | Nationwide | Up to 40% | Up to 15% | Personalized Discounts | |
#6 | Liberty Mutual | Up to 30% | Up to 20% | Rewards Program | |
#7 | Farmers | Up to 15% | Up to 10% | Tech Integration | |
#8 | Travelers | Up to 20% | Up to 8% | Multi-Vehicle Savings | |
#9 | American Family | Up to 10% | Up to 15% | Family Coverage | |
#10 | Esurance | Up to 30% | Up to 10% | Online Convenience |
For tailored rates and coverage that suit the unique needs of young drivers, simply enter your ZIP code below. Compare offerings from top insurance providers, and embark on the journey to secure the ideal car insurance for you and your family. Drive confidently, equipped with the right coverage to protect your loved ones on the road.
#1 – State Farm: Customer Service Excellence
State Farm stands out for its customer service excellence, providing a balanced combination of affordability and coverage for young drivers with points on their record.
Dani Best Licensed Insurance Producer
Pros
- Up to 10% savings on premiums: State Farm offers potential savings of up to 10% on insurance premiums.
- Up to 25% discount potential: Policyholders can benefit from a discount potential of up to 25%.
- Renowned for exceptional customer service: State Farm is renowned for providing exceptional customer service.
Cons
- Limited driving safety discounts: The company may have limitations in driving safety discounts.
- May not offer the highest overall savings: State Farm might not provide the highest overall savings.
Read more: State Farm Car Insurance Review
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#2 – USAA: Tailored for Military Families
Pros
- Up to 10% savings on premiums: USAA offers potential savings of up to 10% on insurance premiums.
- Up to 15% discount potential: Policyholders can benefit from a discount potential of up to 15%.
- Specialized focus on serving military families: USAA has a specialized focus on serving military families.
Cons
- Limited availability to non-military individuals: Availability is limited to non-military individuals.
- May lack certain coverage options: USAA may lack certain coverage options.
Read more: USAA Car Insurance Discounts
#3 – Progressive: Driving Safety Emphasis
Pros
- Up to 30% savings on premiums: Progressive offers potential savings of up to 30% on insurance premiums.
- Up to 10% discount potential: Policyholders can benefit from a discount potential of up to 10%.
- Strong emphasis on driving safety: Progressive places a strong emphasis on driving safety.
Cons
- Limited savings for non-driving safety factors: Progressive may offer limited savings for factors unrelated to driving safety.
- May not be the most cost-effective for all drivers: It might not be the most cost-effective option for every driver.
Read more: Progressive Car Insurance Review
#4 – Allstate: Accident Forgiveness Advantage
Pros:
- Up to 25% savings on premiums: Allstate offers potential savings of up to 25% on insurance premiums.
- Up to 20% discount potential: Policyholders can benefit from a discount potential of up to 20%.
- Notable accident forgiveness program: Allstate provides a notable accident forgiveness program.
Cons:
- Limited personalized discounts: Allstate may have limitations in offering personalized discounts.
- Premiums may not be the most competitive: Premiums may not be the most competitive in the market.
Read more: Allstate Car Insurance Review
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#5 – Nationwide: Personalized Discounts Galore
Pros
- Up to 40% savings on premiums: Nationwide offers potential savings of up to 40% on insurance premiums.
- Up to 15% discount potential: Policyholders can benefit from a discount potential of up to 15%.
- Extensive range of personalized discounts: Nationwide provides an extensive range of personalized discounts.
Cons
- May not cater to certain niche markets: Nationwide might not cater to certain niche markets.
- Potential limitations in coverage options: There could be potential limitations in coverage options.
Read more: Nationwide Car Insurance Discounts
#6 – Liberty Mutual: Rewards Program Incentives
Pros
- Up to 30% savings on premiums: Liberty Mutual offers potential savings of up to 30% on insurance premiums.
- Up to 20% discount potential: Policyholders can benefit from a discount potential of up to 20%.
- Attractive rewards program for additional benefits: Liberty Mutual provides an attractive rewards program for additional benefits.
Cons
- Limited emphasis on driving safety discounts: There might be limited emphasis on driving safety discounts.
- May not have the broadest discount options: Liberty Mutual may not offer the broadest range of discount options.
Read more: Liberty Mutual Car Insurance Review
#7 – Farmers: Tech Integration Advantage
Pros
- Up to 15% savings on premiums: Farmers offers potential savings of up to 15% on insurance premiums.
- Up to 10% discount potential: Policyholders can benefit from a discount potential of up to 10%.
- Strong integration of technology for enhanced services: Farmers emphasizes strong integration of technology for enhanced services.
Cons
- May not offer the highest overall savings: Farmers may not offer the highest overall savings.
- Limited emphasis on certain personalized discounts: There could be limited emphasis on certain personalized discounts.
Read more: Farmers Car Insurance Review
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#8 – Travelers: Multi-Vehicle Savings
Pros
- Up to 20% savings on premiums: Travelers offers potential savings of up to 20% on insurance premiums.
- Up to 8% discount potential: Policyholders can benefit from a discount potential of up to 8%.
- Significant savings for insuring multiple vehicles: Travelers provides significant savings for insuring multiple vehicles.
Cons
- Limited emphasis on certain discount categories: Travelers may have limited emphasis on certain discount categories.
- May not be the most budget-friendly for all individuals: It might not be the most budget-friendly option for all individuals.
Read more: Travelers Car Insurance Review
#9 – American Family: Focus on Family Coverage
Pros
- Up to 10% savings on premiums: American Family offers potential savings of up to 10% on insurance premiums.
- Up to 15% discount potential: Policyholders can benefit from a discount potential of up to 15%.
- Specialized focus on providing comprehensive family coverage: American Family has a specialized focus on providing comprehensive family coverage.
Cons
- May lack some personalized discounts: American Family may lack some personalized discounts.
- Not the most budget-friendly option for all individuals: It might not be the most budget-friendly option for all individuals.
Read more: American Family Car Insurance Review
#10 – Esurance: Online Convenience
Pros
- Up to 30% savings on premiums: Esurance offers potential savings of up to 30% on insurance premiums.
- Up to 10% discount potential: Policyholders can benefit from a discount potential of up to 10%.
- Emphasis on online convenience for policy management: Esurance emphasizes online convenience for policy management.
Cons
- May not offer as many personalized discounts: Esurance may not offer as many personalized discounts.
- Limited availability for those who prefer in-person interactions: There could be limited availability for those who prefer in-person interactions.
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Unlocking Savings: Navigating the Specific Coverage Rates for Teen Drivers With Points
Securing affordable car insurance can be particularly challenging for young drivers with points on their record. Traffic violations or accidents may lead to increased insurance premiums, making it essential for young drivers to explore options carefully. (For more information, read our “How long do points stay on your driver’s license?“). The table below outlines the average monthly car insurance rates for young drivers with points, offering insights into both minimum and full coverage options.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Allstate | $150 | $300 |
American Family | $120 | $280 |
Esurance | $100 | $250 |
Farmers | $130 | $290 |
Liberty Mutual | $160 | $320 |
Nationwide | $120 | $270 |
Progressive | $140 | $290 |
State Farm | $110 | $260 |
Travelers | $150 | $300 |
USAA | $90 | $220 |
Read more: Compare Young Driver Temporary Car Insurance: Rates, Discounts, & Requirements
Understanding these rates is crucial for young drivers seeking cost-effective insurance solutions without compromising on necessary coverage. Examining the table reveals varying monthly insurance rates for young drivers with points among different insurance companies. USAA stands out as a budget-friendly option, offering minimum coverage at $90 and full coverage at $220.
State Farm provides a balance between affordability and coverage with rates of $110 for minimum coverage and $260 for full coverage. On the higher end, Liberty Mutual presents rates of $160 for minimum coverage and $320 for full coverage. These figures highlight the importance of shopping around and considering not only the cost but also the coverage provided for young drivers with points on their record.
Young drivers should carefully assess their options to find an insurance provider that offers a suitable balance between cost and comprehensive coverage tailored to their specific situation.
Finding Car Insurance as a Teen Driver
It is very rare for teen drivers to obtain a car insurance policy in their name only. The more common and cheaper option is to have a teen driver as a listed driver on his or her parent’s auto insurance policy. You are more likely to be able to arrange for this coverage if the teen driver lives in the same house as his or her parents.
You can check with your specific car insurance company to see what is required to have a teen driver added to insurance coverage. When another driver is added to an auto insurance policy, this will raise the total premium for the policy. The policyholder should be aware of this because he or she is responsible for making all of the premium payments so that the coverage stays active as long as you need it.
In order to ease the pain of having a teen driver on the policy, make sure that the teen driver is assigned to drive the insured car that is considered the safest to drive and costs the lowest amount to insure. Your auto insurance company will be able to advise you about which car listed on the policy would be cheapest for your teen driver to be assigned to.
Read more:
- Compare Car Insurance Rates for First-time Drivers
- Compare Car Insurance Rates for Inexperienced Drivers
- Compare Car Insurance Rates With a Provisional License
- How much do school grades affect car insurance rates?
- Compare Over 21-Years-Old New Driver Car Insurance Rates
Getting Discounts on Your Car Insurance Coverage as a Teen Driver
Even if you have some points on your driver’s license, you may still qualify for several discounts from your auto insurance company:
- good student
- safe driving course
- accident-free
One of the popular discounts for teen drivers is the good student discount. If you have a certain grade point average, your auto insurance company may offer a slight discount on your rate. You will have to check with your specific provider to see if this could apply to you. Another common discount for teen drivers is a rate reduction for having completed a driving safety course.
Read more: Compare Student Driver Car Insurance Rates
This is typically a course that is offered to teach young drivers how to avoid accidents and stay safe on the road. Insurance companies want to encourage their insured drivers to avoid accidents, which is why they offer a slight incentive to their drivers to learn about ways to drive defensively. Although you may already have some points on your driver’s license, you may not have an auto accident on your driving records.
If this is true, you may qualify for an accident-free discount. You should also ask your insurance company about whether there is a certain time period by which an accident or claim will drop off of your driving record for insurance purposes. If you ask about any of the above discounts and find that they are not offered by your auto insurance company, this is a good reason to look for a new car insurance provider.
The good news for you is that this is an easy process online. After you submit your zip code and some other personal information about you and your vehicle in the online search tool, you can compare rates available in your region among a long list of auto insurance providers. This is a much faster way to find out about rates because you only have to submit your information once instead of contacting each company in your area individually.
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What to Do if You are Denied Car Insurance Due to Points on Your Driver’s License
As long as you have an active driver’s license, you should always make sure to obtain the proper insurance coverage before driving.You may find that it is more difficult to find an auto insurance provider that is willing to extend coverage to a young driver who already has points on his or her driver’s license. In this case, you may need to inquire about the high-risk pool for insurance in your state.
Each state has its own method of providing a last resort insurance option for drivers who are unable to obtain coverage otherwise. Keep in mind that this coverage is probably only for auto liability coverage. It would probably not provide coverage for your car in the following situations:
- if you were responsible for crashing it in an accident
- if it was vandalized
- if it was stolen
Even though it might be more expensive to pursue this option as a last resort, you will not necessarily have to maintain this type of coverage forever. When the points no longer appear on your driver’s license, you may qualify for more reasonable rates from traditional auto insurance drivers. This is why it is especially important for you to avoid accidents at all costs after having points on your record.
Read more: How do you get rid of car insurance points?
Safety Tips for Teen Drivers
When dealing with teen drivers, it is more important than ever to convey the importance of safety behind the wheel. As a parent, you should be actively involved in making sure that your teen driver understands all of the risks and responsibility of driving on public roads. You may need to enforce rules that are stricter than the state regulations on provisional or graduated drivers’ licenses.
To account for the additional risk of having a teen driver listed on your auto insurance policy, you may also want to increase your auto liability policy limits. This is the amount that the auto insurance provider is responsible for paying when the insured drivers on that policy are involved in an accident.
Given that teen drivers are generally more likely to be involved in an auto accident that results in serious personal injuries and property damage, increasing the limits of your auto liability policy is a good idea.
In addition to increasing the limits of your auto liability policy, you may want to consider getting even more protection from an umbrella liability policy. You can easily get as much as $1 million in umbrella liability protection by increasing your premium by only a small amount each month. When your teen driver is no longer on your policy, you can choose to drop that coverage and reduce your premium.
Case Studies: Tailored Solutions for Young Drivers With Points
Case Study #1 – State Farm: Revitalizing Confidence
Sarah, a young driver with points on her record, approached State Farm seeking affordable coverage. Leveraging their personalized approach, State Farm assessed her specific situation, considering factors like mileage and coverage needs.
Through their proactive customer service, State Farm not only provided a competitive rate but also offered guidance on improving her driving record. Sarah felt supported and valued, experiencing a renewal of confidence on the road.
Case Study #2 – USAA: A Military Family’s Security Blanket
James, a military member with points on his license, sought insurance solutions tailored to his unique circumstances. USAA, with its specialized focus on serving military families, not only offered James up to 15% in discounts but also provided comprehensive coverage. The company’s understanding of the challenges faced by military personnel ensured that James received the support he needed, making USAA his go-to choice for reliable coverage.
Case Study #3 – Progressive: Navigating the Path to Safety
Alex, a young driver committed to improving their driving safety, turned to Progressive. With a substantial emphasis on driving safety discounts, Progressive not only offered Alex up to 30% in savings but also provided resources and tools to enhance safe driving habits. The partnership with Progressive became a journey of improvement for Alex, demonstrating the company’s commitment to fostering responsible driving behavior.
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Wrap Up on Getting Car Insurance for Young Drivers With Points on Their License
It should not come as a huge surprise that teen drivers who already have points on their driver’s license should expect to have to pay a bit more for the required car insurance coverage.This does not mean, however, that you cannot get a more reasonable rate for your auto insurance policy by shopping around among different providers and qualifying for discounts, such as by taking a driver safety course or getting good grades in school.
You will also get a better rate by having yourself added to your parents’ auto insurance policy as an additional driver. Once you have taken steps to improve your driving record, you can eventually apply for your own auto insurance coverage on a separate policy.
Compare car insurance quotes today by entering your zip code below.
Frequently Asked Questions
How do I choose the best car insurance for a young driver with points?
Consider factors such as the driver’s credit score, mileage, coverage needs, and driving record. Explore options from top contenders like State Farm, USAA, and Progressive, as their offerings cater to diverse profiles.
What discounts are available for young drivers with points?
Discounts vary but can include savings of up to 30% on premiums, depending on factors like driving safety, accident forgiveness, and online convenience. Companies like Progressive and Esurance offer notable discounts.
Are there specific insurance options for military families?
Yes, USAA specializes in serving military families, offering up to 15% in discounts. However, eligibility may be restricted to military members and their families.
Which companies offer rewards programs or personalized discounts?
Liberty Mutual stands out with a rewards program, while Nationwide offers personalized discounts up to 40%. Evaluate these options based on your preferences and needs.
How can I save on premiums for multiple vehicles?
Travelers provides significant savings for insuring multiple vehicles, with potential discounts of up to 20%. Explore multi-vehicle savings to optimize your insurance costs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.