Compare Young Male Driver Car Insurance Rates [2023]
The average cheap car insurance for young males rates ages 16-19 are $278.50/month. Discounts for students and safe driving habits can decrease the rates providing cheaper car insurance for young male drivers. Compare cheap auto insurance rates for young males today!
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Joel Ohman
CEO and CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
CEO and CFP®
UPDATED: Jun 10, 2023
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: Jun 10, 2023
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
- Young men will always pay more for car insurance than any other age and gender bracket
- One of the cheapest options is to be added onto a parent’s existing policy
- Certain discounts, like a good student and safe driver, are still available to young men
As a young man, it is difficult to find cheap car insurance. Young male drivers aren’t known for their competent driving and are the number one cause of accidents in the United States today. It can be challenging to find cheap car insurance for young drivers, there are no two ways about it.
For many young men today, the idea of paying more for their car insurance because of their age and gender seems ludicrous.
Even though there are many fine young male drivers on the roads, there are enough not-so-great ones that create a high-risk pool for any male under the age of 25.
That is why it is so important to shop around for car insurance to make sure that you are getting the lowest rates possible. Although comparing car insurance is easy, finding cheap car insurance for young drivers can take some effort. Rates for male young drivers are usually higher on average because they are less experienced and seen as a risk by insurers. Especially, drivers in their early 20s are more likely to get in an auto accident than older adults.
Enter your ZIP code now to compare car insurance rates online!
Do young male drivers save more on their parent’s insurance policy?
To find cheap car insurance, young male drivers may benefit more from being added to their parents’ auto insurance policy than by striking out on their own. If you are a teen or you are in college, then your parents may find that it is convenient for you to remain on their auto policy.
There are some things to consider:
- Once you add a teen or young adult to your policy, you will find that your insurance rates could double or even triple.
- In order to keep your rates lower, you need to purchase a separate car for your teen, or have them buy one of their own, and simply add that car to your policy rather than adding your teen as a secondary driver onto your vehicle.
This really only applies if you have financed your vehicle because paying for comprehensive and collision coverage for a vehicle that has a teen driver on it will make your costs skyrocket.
If you buy your teen an inexpensive vehicle that you don’t finance, you will save a great deal of money by only paying for liability insurance for your teen.
This is the only way you are likely to find cheap car insurance. Young male drivers simply don’t qualify for the deep discounts that you get as you become a more seasoned driver.
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Do young male drivers qualify for their own discounts?
Fortunately, young male drivers can qualify for certain discounts of their own. It is important to take advantage of every discount possible, so find insurance companies that offer discounts for:
- Completion of safety driving courses
- Completion of driver’s education
- College students enrolled in college
- Students with good grades
If you want to save money on your car insurance, you need to show the auto insurance companies that you are serious about safe driving.
When you take safety courses and are conscientious about your grades, the insurance company sees you as less of a risk. This translates into lower rates for you!
Do young male drivers benefit from shopping around?
Shopping around is the best way to find cheap car insurance. As a young male, you may have to pay more for car insurance than an older man, but that doesn’t mean that you have to settle. You should get a quote from your parents’ company, but you need to shop around to other companies as well.
Despite your driving inexperience and good grades, there are other factors that affect your premiums. Such factors include your driving record, experience, and credit score. All of them affect the price you pay for an auto insurance policy. New drivers and early 20s drivers who maintain a clean record and good credit history can expect their car insurance rates to decrease significantly. However, if your driving record has multiple speeding tickets or a DUI, you will get higher insurance rates. Moreover, auto insurers can charge drivers with low credit ratings higher insurance premiums.
Using our free quote tool is the easiest way to do this. You can enter your information right now and get instant quotes. Enter your ZIP code and start comparing car insurance quotes today!
Frequently Asked Questions
How much is the average car insurance for young male drivers aged 16-19?
The average is around $278.50 per month.
Can young male drivers save by being on their parents’ insurance?
Yes, it can be cheaper to be added to their parents’ policy, especially if the car is not financed.
Do young male drivers get their own discounts?
Yes, they can qualify for discounts based on safe driving, taking safety courses, and good grades.
Is shopping around important for young male drivers?
Yes, it’s recommended to compare quotes from different companies to find the best rates.
How can young male drivers compare car insurance quotes?
Use a free quote tool online by entering your ZIP code and relevant information.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
CEO and CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
CEO and CFP®
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.