Cheap Car Insurance For Young Drivers

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Here's what you need to know...
  • Young drivers will see higher insurance premiums than their parents or older siblings
  • There are many ways young drivers can receive discounts, such as receiving good grades or taking defensive driving courses
  • Young drivers should drive older cars that still have reliable safety features


It is not easy to obtain cheap car insurance for young drivers. However, there are some actions drivers under 25 can take to get the best rates possible.

Young drivers have the benefit of starting with a clean slate since they do not have bad driving records and have not accumulated any points on their licenses.

However, teens and young adult drivers are considered by insurance companies to be high-risk due to their limited experience on the road, which is the reason for the increased insurance rates.

Young drivers are quoted the highest insurance rates of drivers in any age group. The best way to find reduced rates is to shop and compare. There are other ways that you can get cheaper rates as a young driver. Check out the article below to discover your options.

Start by entering your zip code and comparing the free car insurance quotes from top companies now!

Make Honor Roll in School

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One great way young drivers can reduce their premiums is to do their best in school. Many insurance companies give discounts to students that have exceptional academic performance.

Statistically, teens and young adults with better grades make better overall choices. Because of this, insurance companies offer incentives to these drivers as they are believed to be less of a risk behind the wheel.

Choose a Safe Older Model Car

One of the main factors used to determine insurance premiums is the year, make, and model of the vehicle. Newer cars are more expensive to insure, and older cars with a myriad of safety features cost less to insure.

It is not a good idea to purchase a brand new, high-end car as a young driver. This is a surefire way to raise your insurance rates.

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A vehicle that is a few years old with some built-in safety features will be your best bet.

This will drastically reduce the amount of money spent on insurance and will also provide a safer driving experience. Additionally, you will have peace of mind knowing that you are in a safe and reliable car.

Safety is extremely important with teenagers since they have the highest fatality rates among drivers.

Vehicles that operate at high speeds and that have a ton of “fun” features can distract young drivers, but insurance companies reward those who make choices based on safety when it comes to purchasing a car.

Sign Up for Driver’s Ed Courses

student driver taking driving test

Another way to save money is by signing up for driver’s education courses.

Most students have the opportunity to take these classes at school. However, there are additional courses that can be taken that can help equip the young driver with the proper knowledge needed to operate a vehicle safely.

Driver’s education courses teach drivers the laws for their particular state as well as the importance of driving safety.

Taking these courses prior to obtaining vehicle insurance will help to decrease rates. In fact, substantial discounts are given to teens that complete these courses.

While some states require teen drivers to take driving courses in school, many states do not.

If you do not have any courses in your particular town, you can sign up online.

In addition to driver’s education courses, here are some other ways that you can get cheap car insurance as a young driver:

  • Add yourself to your parents’ car insurance policy
  • Work with insurance agents that cater to new and young drivers
  • Ask about specific discounts you may qualify for
  • Compare rates between companies at least once a year

Online insurance rate comparisons are the best way to shop for cheap insurance for young drivers. You can get rates from a variety of companies right from home without calling around to different agents or insurance providers.

With online insurance quote comparisons, you have the ability to research a number of companies. You can then make your final decision based on which one provides the best rates for young drivers.

To start your search for cheap car insurance, enter your zip code into the FREE tool below!

FREE Car Insurance Comparison

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