Compare Over 21-Years-Old New Driver Car Insurance Rates in 2024 (Top 10 Companies)
Discover why Progressive, State Farm, and Allstate are top companies when you compare over 21-years-old new driver car insurance rates. Recognized as industry leaders, they offer competitive rates and comprehensive coverage.
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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: Apr 15, 2024
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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: 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
Explore the leading companies that compare over 21-years-old new driver car insurance rates such as Progressive, State Farm, and Allstate. These companies emerge as frontrunners offering rates that take into account various factors such as credit scores, mileage driven, and driving history.
- Progressive, State Farm, and Allstate are the top car insurance for new drivers over 21, offering competitive rates and comprehensive coverage.
- Credit scores, mileage, and driving history significantly impact insurance rates, requiring exploration of companies catering to these specific needs.
- Car insurance rates for new drivers almost halve at 21. To find the best rates, consider factors like driving habits and potential discounts.
Company Rank See Pros/Cons New Driver Discount Multi-Vehicle Discount Best for
#1 Progressive Up To 15% Up To 17% Bundle Discounts
#2 State Farm Up To 12% Up To 15% Customizable Policies
#3 Allstate Up To 10% Up To 18% Big Discounts
#4 Liberty Mutual Up To 8% Up To 14% Policy Options
#5 Farmers Up To 9% Up To 16% Accident Forgiveness
#6 National General Up To 10% Up To 12% Online Convenience
#7 Safeco Up To 7% Up To 18% Add-on Coverages
#8 Travelers Up To 6% Up To 13% Customizable Coverage
#9 American Family Up To 8% Up To 14% Quick Claims
#10 Safe Auto Up To 10% Up To 15% Personalized Service
#1 – Progressive: Leader in Bundle Discounts
Progressive stands out as the leader for 21-year-old new drivers, offering bundle discounts and competitive rates, making it the top choice among the best car insurance companies.
Melanie Musson Published Insurance Expert
Pros
- Generous discounts: Up to 15% for new drivers and up to 17% for multi-vehicle policies.
- Bundle discount excellence: Ideal for combining multiple insurance types.
- Diverse coverage options: Wide range of policies for various needs.
Cons
- Variable customer service: Experiences may differ by region and agent.
- Higher rates in some areas: Can be pricey depending on the location.
Read more: Progressive Car Insurance Review
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#2 – State Farm: Champion in Customizable Policies
Pros
- Customization options: Policies can be tailored to individual needs.
- Steady discounts: Up to 12% for new drivers and 15% for multiple vehicles.
- Reputation and reliability: Known for strong customer service and reliability.
Cons
- Cost variance: Rates can vary significantly based on the driver’s profile.
- Limited online tools: Some customers may find digital tools less advanced.
Read more: State Farm Car Insurance Review
#3 – Allstate: Master of Big Discounts
Pros
- High discount rates: Offers up to 10% for new drivers and 18% for multi-vehicle.
- Strong policy options: Wide range of coverage choices.
- Innovative tools and resources: Offers a variety of digital tools for policy management.
Cons
- Potentially higher premiums: This can be more expensive for certain drivers.
- Inconsistent agent experience: Service quality may vary.
Read more: Allstate Car Insurance Review
#4 – Liberty Mutual: Specialist in Policy Options
Pros
- Flexible policy choices: Offers a variety of options catering to different needs.
- Decent discount opportunities: Up to 8% for new drivers and 14% for multiple vehicles.
- Strong online presence: User-friendly online platform for easy policy management.
Cons
- Higher premiums for some: Rates can be relatively high depending on the customer profile.
- Varied customer service quality: Experiences can differ greatly.
Read more: Liberty Mutual Car Insurance Review
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#5 – Farmers: Expert in Accident Forgiveness
Pros
- Accident forgiveness: Unique feature beneficial for new drivers.
- Competitive discounts: Offers up to 9% for new drivers and 16% for multi-vehicle policies.
- Personalized service: Known for good customer interactions and support.
Cons
- Potentially high rates: Premiums can be higher, especially without discounts.
- Complex policy details: Some customers might find policy options confusing.
Read more: Farmers Car Insurance Review
#6 – National General: Leader in Online Convenience
Pros
- Easy online access: Streamlined online services for convenience.
- Good discount range: Up to 10% for new drivers and 12% for multi-vehicle policies.
- Efficient claims process: Known for a swift and efficient claims handling.
Cons
- Limited coverage options: Fewer choices compared to larger insurers.
- Customer service variability: Inconsistent experiences reported.
Read more: National General Car Insurance Review
#7 – Safeco: Innovator in Add-on Coverages
Pros
- Extensive add-on options: Wide range of additional coverages available.
- Strong discount policy: Up to 7% for new drivers and a high 18% for multi-vehicle.
- Customizable policies: Offers a level of customization in policies.
Cons
- Premium cost: This can be on the higher side for some policyholders.
- Mixed reviews on the claims process: Some customers report issues with claim settlements.
Read more: Safeco Car Insurance Review
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#8 – Travelers: Pioneer in Customizable Coverage
Pros
- High customization: Policies can be highly tailored to individual needs.
- Competitive discounts: Up to 6% for new drivers and 13% for multi-vehicle.
- Robust policy options: Offers a broad range of insurance products.
Cons
- Higher rates for some profiles: Premiums can be expensive for certain drivers.
- Varied customer service experiences: Service quality can fluctuate.
Read more: Travelers Car Insurance Review
#9 – American Family: Leader in Quick Claims Processing
Pros
- Rapid claims service: Known for quick and efficient claims handling.
- Good discount rates: Up to 8% for new drivers and 14% for multi-vehicle policies.
- Strong customer relations: Emphasis on building customer relationships.
Cons
- Inconsistent pricing: Rates can vary significantly.
- Limited availability: Not available in all states.
Read more: American Family Car Insurance Review
#10 – Safe Auto: Expert in Personalized Service
Pros
- Personalized customer service: Focuses on individual customer needs.
- Solid discounts: Offers up to 10% for new drivers and 15% for multi-vehicle policies.
- Tailored policies: Provides policies that cater to specific requirements.
Cons
- Coverage limitations: May not offer as wide a range of options as larger insurers.
- Customer service inconsistencies: Some areas report variable service quality.
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On the Road: Monthly Insurance Costs for New Drivers Over 21 – Balancing Coverage and Affordability
The table below outlines the average monthly car insurance rates tailored for new drivers over 21 years old, offering insights into both full coverage and minimum coverage options provided by various insurance companies.
Insurance Company | Full Coverage | Minimum Coverage |
---|---|---|
Progressive | $146 | $54 |
State Farm | $111 | $42 |
Allstate | $190 | $72 |
Liberty Mutual | $215 | $83 |
Farmers | $180 | $68 |
National General | $187 | $70 |
Safeco | $85 | $32 |
Travelers | $116 | $44 |
American Family | $147 | $55 |
Safe Auto | $147 | $42 |
Safeco emerges as the most affordable option for both full and minimum coverage, with rates at $85 and $32, respectively. Conversely, Liberty Mutual presents the highest rates for both coverage types, highlighting the significant disparity among providers.
State Farm and Travelers offer competitive rates for both full and minimum coverage, providing viable options for new drivers seeking affordable insurance. The data underscores the importance of shopping around and comparing quotes to find the most suitable coverage for new drivers, balancing affordability with comprehensive protection on the road.
Who needs new driver car insurance?
Car insurance companies consider new drivers, or first-time drivers, a higher risk than others with more driving experience, so insurance rates for anyone under the age of 25 will be much higher than rates for drivers over 25.
Car insurance companies consider the following people new or first-time drivers:
- Teen drivers that just got a driver’s license
- Young adults (under 25) that, for some reason, have yet to get a driver’s license, car, or car insurance
- Those new to the United States such as immigrants and foreign nationals
- Drivers of any age with a gap in driving
- Drivers of any age with a gap in car insurance coverage
Many other factors go into determining your car insurance rates no matter your age such as where you live, your state’s laws, your driving record, and your credit score.
Read more:
- Compare 18-Year-Old Driver Car Insurance Rates
- Compare Children of Divorced Parents Car Insurance Rates
How much is car insurance for a new driver over 21?
Car insurance for first-time 21 varies by age. The younger the driver, the higher the average annual rate. Let’s take a look at average car insurance rates by age in a chart.
Driver's Age | Average Annual Rates | Monthly Rates |
---|---|---|
60-Year-Old Driver | $2,275 | $190 |
35-Year-Old Driver | $2,447 | $204 |
25-Year-Old Driver | $3,207 | $267 |
21-Year-Old Driver | $4,453 | $373 |
17-Year-Old Driver | $8,293 | $691 |
Does car insurance go down at 21? Yes. Based on the average annual rates in the data, car insurance is nearly cut in half for 21-year-old drivers. Car insurance for first-time drivers over 25 is $1,200 less than 21-year-old driver car insurance and nearly $5,000 less than 17-year-old driver car insurance.
Car insurance for new drivers over 21 has an average rate of $371 or less per month. Perhaps you have just left your parents’ home and have just purchased your first car. If so, you will need to get an auto insurance policy.
When you start to shop for an auto insurance policy, there are some important things you need to consider. First, let’s examine the required auto insurance coverage for your state.
Compare car insurance quotes for new drivers today to ensure you find the best rate for the coverage you need. Enter your ZIP code above to start comparing car insurance for new drivers over 21.
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What are the cheapest new driver car insurance companies?
Driving experience, driving record, and credit score aren’t the only factors that affect your rates. The company you choose at any given point in your life can offer the best rate depending on your characteristics at that time in your life.
Right now, we will focus on age, as it will definitely affect your rates. You are consider a young driver if you are under the age of 25. However, you may be able to get a lower rate with a different company, so it pays to shop around.
Discounts | Allstate | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
---|---|---|---|---|---|---|---|
Defensive Driver | 10 | 10 | 5 | 10 | 5 | 10 | 3 |
Driver's Ed | 10 | 10 | N/A | 10 | 15 | 8 | 3 |
Driving Device/App | 20 | 30 | 40 | 20 | 50 | 30 | 5 |
Early Signing | 10 | N/A | 8 | N/A | N/A | 10 | 12 |
Full Payment | 10 | $5 | N/A | N/A | N/A | 7.5 | N/A |
Newer Vehicle | 30 | N/A | N/A | N/A | 40 | 10 | 12 |
Paperless Documents | 10 | N/A | 5 | $50 | N/A | N/A | N/A |
Paperless/Auto Billing | 5 | N/A | $30 | N/A | $2 | 3 | 3 |
Safe Driver | 45 | N/A | 35 | 31 | 15 | 23 | 12 |
Vehicle Recovery | 10 | 35 | 25 | N/A | 5 | N/A | N/A |
As you can see, USAA, Geico, Nationwide, and State Farm offer the cheapest car insurance rates for drivers between the ages of 21 and 25. Note that USAA is available only to military members, active and inactive, retirees, and their immediate family members.
Also, you can change companies any time you like, even mid-policy, just make sure you don’t have a coverage gap. (For more information. read our “Can I change my car insurance company mid-policy?“).
What are the best new driver car insurance discounts?
Some of the more popular auto insurance discounts for drivers between 21 and 25 are offered based on completion of defensive driving or other driver training courses, having had no tickets or accidents, or participating in a company’s usage-based car insurance program.
Usage-based insurance programs use a mobile app or plug-in device to monitor your driving habits, rewarding you with a discount for safe driving.
There are numerous types of discounts offered by auto insurance companies, many of which could be applied to a new driver’s auto policy. If you are a college student, you might be eligible for a good student discount. Many insurers offer discounts based on vehicle safety features or safety ratings.
Safe driver discounts are also common, but you will need to maintain a clean driving record for a few years before you’ll be eligible for this one.
If you choose to bundle your auto insurance policy with homeowners/renters insurance, you might be entitled to a multi-policy discount.
New Driver Discount | Qualifications |
---|---|
Good Student Discount | Maintain a B average or better. |
Part-Time Driver Discount | Go to college without a vehicle and only drive when home during school breaks. |
Safe Driving Discount | Complete a driver's education course |
Participating in a company’s usage-based car insurance program is one of the best discounts to ask about.
Make sure you’re getting all of the discounts you’re entitled to, and keep potential discounts in mind when you’re shopping around for the lowest rate.
When will my car insurance rates drop?
Your car insurance rates will drop when you turn 25 because statistically, the chances of your death in a vehicle lower considerably. Actuaries determine these statistics.
Insurance companies use actuaries and statistics to estimate the chances of a severe accident. Then they take these figures and make estimates on the likelihood of having to pay out claims on you.
As you exit the high-risk group (after age 25), your premium will automatically go down, provided you have kept your driving record clean during this time.
In the table below, it’s quite noticeable how much your car insurance rates will drop when you turn 25.
Driver Summary | Average Monthly Car Insurance Rates | Average Annual Car Insurance Rates |
---|---|---|
Teen Driver (Ages 16 to 19) | $353 | $4,231 |
New Adult Driver (Adults Around 25) | $237 | $2,847 |
Your rates will decrease by at least half, if not more, depending on the car insurance company you choose.
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What is the required car insurance coverage for new drivers?
First, there are some required auto insurance coverages that you will need to make sure you have. The level of coverage and amounts are up to the states so you should first get familiar with what your state requires. The National Association Of Insurance Commissioners (NAIC) provides a map where you can find the insurance law of your state.
Some of the most common types of insurance that are required are listed below.
- Bodily injury liability – This type of coverage covers injury that you are legally responsible for in the case of negligence or at-fault situations in an accident. Even in no-fault states, it is possible that the person you hit could sue you.
- Property damage liability – Just like bodily injury liability insurance, property damage liability covers the damages that you caused another driver’s vehicle in an accident. Liability always implies that you were at fault and that your negligence caused the problem or loss.
- Uninsured/underinsured (in some states) – This type of coverage is sometimes required, but usually, it’s optional coverage. It covers damages and injury that you receive when the other driver is either uninsured or underinsured.
- Personal injury protection – Personal injury protection (PIP) is usually an optional coverage, but it is one you may want to consider when you are shopping for coverage. PIP coverage will often cover your medical expenses, time out of work, and other expenses if you are in an accident that creates an injury that keeps you from work.
Keep in mind that the minimum coverage required by law does not afford you very much protection. It’s recommended that you increase your liability limits and consider adding collision coverage and comprehensive coverage to your policy.
There are a lot of coverage options available from most companies, so talk to an insurance agent if you’re not sure exactly what you need.
Start comparing car insurance for new drivers over 21 with our free comparison tool. Enter your ZIP code to get started.
How do I move off of my parents’ car insurance?
If you are leaving your parents’ insurance and getting your coverage, you will want to talk to your parents about it so that they will be able to help you make the transition.
They will have to call their insurance company and have them take you off their plan so that you can get your coverage but do not do so until you locate a new policy.
Insurance agents and others involved in the insurance industry are required to remind you that you should wait to cancel any previous coverages until you have the new one in your possession.
If you don’t, you may not be covered for a short period in between as you are changing your insurance plan. It is important to note that you should not have your parents cancel the insurance policy you have under their policy until you have the new policy in hand.
How do I avoid a lapse in car insurance coverage as a new driver?
One thing you need to avoid at all costs is driving without insurance. When you let your car insurance lapse, you put yourself at risk for legal and financial loss.
This is why you should be careful when changing plans so that there is no time that you are uncovered.
Even if you are uncovered for just one day, if you have an accident on that day, you will be responsible for all of the costs involved in either your injuries or damage or injuries to others.
It also puts you at a high legal risk as you are required to carry insurance in every state except for two (New Hampshire and Virginia).
If your car insurance is about to expire, you get a quote from auto insurance providers in your local area by entering your ZIP code in the FREE comparison tool below.
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What if my car insurance company cancels my policy?
As International Risk Management Institute, Inc. notes, insurance companies are required by law to notify you 30 days before the cancellation of your policy. They must notify you in writing if your policy is in danger of lapsing or if you have failed to pay your premiums.
Remember that your policy will not lapse until you have gone for thirty days without paying the premium if you let the policy go without paying.
As stated before, it’s best to get your new insurance in place first and then cancel your previous coverage with your parents’ policy.
Insurance companies will send you a notice before cancellation (as required by law) if you choose to have your parent stop paying for your coverage.
The most important thing is that you have coverage and do not drive for any period uncovered. As a new driver, this is especially important as you build your reputation as a driver with your insurance company.
What affects my car insurance rates?
Many factors determine the cost of your auto insurance premiums.
The most influential factor in your car insurance rates is your driving history. Avoid accidents at all costs and obey all traffic regulations.
Try to keep your traffic record flawless, especially when you are just starting as a new driver. This will keep your premiums low and will make it easy to transition to other policies if you should choose to do so.
It is important to note that, if you are between the ages of 18 and 25, you are still in the highest risk group for accidents.
Because of this, you will need to keep in mind that the statistics are against you and you should use extreme caution when driving at all times. Statistics, such as those from the National Highway Traffic Safety Administration, determine risk, and risk determines auto insurance rates.
Exploring Real-World Insurance Success: Case Studies of New Drivers
Case Study 1: Emily’s Experience With Progressive
Emily, a 23-year-old graphic designer in Austin, Texas, recently passed her driving test. Looking for insurance, she was attracted to Progressive due to its high ranking for new drivers over 21 and its bundle discounts. Emily drives a 2018 Honda Civic and travels about 15 miles to work daily. She also wanted renters insurance, making bundle discounts appealing.
After comparing various options, Emily chose Progressive. She benefited from a 15% new driver discount and an additional 17% discount for bundling her car and renters insurance.
Emily found Progressive’s rates to be the most competitive, especially with the discounts. She appreciated their user-friendly online platform and customer service. In her first year, Emily saved approximately $250 compared to other quotes she received.
Case Study 2: David’s Journey With State Farm
David, a 22-year-old recent college graduate in Seattle, needed insurance for his 2020 Toyota Corolla. He was particularly interested in customizable policies due to his irregular driving patterns. As a freelance photographer, David’s car usage varied greatly from week to week. He needed an insurance policy that could adapt to his changing needs.
David chose State Farm for its reputation in offering customizable policies. He availed of a 12% new driver discount and tailored his policy to include coverage for his photography equipment.
State Farm’s flexible policy allowed David to adjust his coverage as needed, saving him money during periods of lower car usage. The added equipment coverage provided peace of mind for his professional gear. Over the year, David estimated a savings of around $200.
Case Study 3: The Allstate Advantage for Sarah
Sarah, a 24-year-old nurse in Chicago, was looking for an insurance company that offered significant discounts and a range of policy options. She drives a 2017 Ford Focus and has a clean driving record. With a tight budget but needing comprehensive coverage, Sarah sought an insurance provider that offered substantial discounts without compromising on coverage quality.
Sarah opted for Allstate, attracted by its 10% new driver discount and the highest multi-vehicle discount of 18%. She also took advantage of their Drive wise program to further reduce her rates.
Allstate’s discounts significantly lowered Sarah’s premiums. The Drive wise program encouraged her to maintain safe driving habits, leading to additional savings. Overall, Sarah saved around $300 annually while enjoying robust coverage.
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How do I find the cheapest car insurance for new drivers?
When you are shopping online for the best insurance deals, you should always keep in mind what your personal needs are. Do you drive a long distance every day to work? Do you take others in the car with you regularly to and from work or other locations?
If you answered “yes” to any of these questions, then you may want to increase your amount of liability coverage for the carpooling situation and increase your overall coverage for longer distances. (For more information, read our “Does car insurance cover carpooling?“).
Remember that the longer distance you drive, the higher your risk level.
Comparing and shopping around for your insurance plan is the best thing you can do to find the best policy and company to have as your insurance company.
For example, compare State Farm Car Insurance and Geico car insurance to see which has better car insurance rates. If you are in the military, or a veteran, you may want to check out USAA car insurance.
Your insurer can be your best friend because they are there to pay for damages when you have an accident. It avoids you having to go to court with others in many cases and helps you to stay in good standing with your driving record.
If you have any questions about your current policy or if you need help changing over from another policy, use the resources on our site to help with your transition, and feel free to ask questions as you go.
When you have the right coverage, you can drive freely knowing that you are covered if something happens and you’ll have peace of mind knowing that your insurance company will back you up when you need it most.
Ready to buy car insurance for new drivers? Compare insurance rates and find the best car insurance for new drivers under 25 today. See how much you could save as a young adult driver. Enter your ZIP code in the FREE comparison tool to start.
Frequently Asked Questions
Who needs new driver car insurance?
Car insurance companies consider new drivers, or first-time drivers, a higher risk than others with more driving experience, so insurance rates for anyone under the age of 25 will be much higher than rates for drivers over 25.
How much is car insurance for a new driver over 21?
Car insurance for first-time 21 varies by age. The younger the driver, the higher the average annual rate.
Does car insurance go down at 21?
Yes. Based on the average annual rates, car insurance is nearly cut in half for 21-year-old drivers.
What are the cheapest new driver car insurance companies?
USAA, GEICO, Nationwide, and State Farm offer the cheapest car insurance rates for drivers between the ages of 21 and 25.
What are the best new driver car insurance discounts?
Some popular auto insurance discounts for drivers between 21 and 25 include completion of defensive driving or other driver training courses, having no tickets or accidents, and participating in a company’s usage-based car insurance program.
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.