Cheap Car Insurance for Young Male Drivers

The average cheap car insurance for young males rates ages 16-19 are $278.50/month. Discounts for good students and safe driving 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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • 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’s 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. Enter your ZIP code now to compare car insurance rates online!

Young Male Drivers Save More on Their Parent’s 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 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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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 companies that offer discounts for:

  • Completion of safety driving courses
  • Completion of driver’s education
  • Students enrolled in college
  • Students with good grades

If you want to save money on your car insurance, you need to show the 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!

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.

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!



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Enter your ZIP code below to view companies that have cheap car insurance rates.

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