How can I find cheap car insurance for young drivers?

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Joel Ohman
Founder, CFP®

UPDATED: Feb 18, 2020

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Here's what you need to know...

  • If your teenager is going to drive, then he or she has to have insurance
  • Car insurance for young drivers is very expensive because of the heightened risk involved with an inexperienced driver
  • It is not easy to find cheap car insurance for young drivers, but you can shop around to see who offers the best rate
  • Usually you can find the best deal with your current car insurance company if you have a good history with them

A driver’s license is a turning point in every teenager’s life, but it does not come without a cost.

Unfortunately, sometimes finding the cheapest car insurance does not always mean finding the best car insurance, so you need to be sure you have affordable car insurance with a reputable company, otherwise your premiums could end up being wasted dollars.

Use independent rating tools to check the stability of insurance companies.

Get cheap car insurance quotes for young drivers by entering your zip code above now!

The Kind of Car Insurance that Young Drivers Need

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If you remember when you first started driving, there may have been a lot of learning curves. No matter how much education you get in a classroom or a driver’s education course, there is no better teacher than experience.

Unfortunately, that usually means that mistakes are part of the education. Sometimes those mistakes can be quite costly.

No matter what type of car your teenager is going to drive, he needs to carry liability insurance for it. Since young drivers are more prone to be responsible for accidents, it is a good idea to purchase more liability insurance than the state requires as a minimum.

This is more expensive in premiums, but it will pay for itself if there ever is an accident for which your young driver was at fault.

The type of car your young driver is going to be using may or may not warrant comprehensive or collision insurance. If the car is a beater car with little value then you may be able to save the expense of comprehensive and collision insurance.

However, if the car becomes damaged or totaled there will be no insurance payout so the cost of repairs or replacement will have to be out of pocket.

If the car is a newer car or a car that still has Blue Book value, then it may be a good idea to add the additional coverage to the insurance policy.

Pitfalls of Cheap Car Insurance for Young Drivers


Since car insurance for young drivers is so expensive, it is tempting to buy the cheapest car insurance you find. However, there could be pitfalls with that method, so be very careful when choosing a car insurance provider.

If car insurance is cheap but the policy is severely lacking or flawed then you may end up without the coverage you expected.

Also, if you choose a car insurance company that is not reputable or has a sketchy financial rating then you may end up not being able to collect on a payout.

Another risk factor is choosing a little-known car insurance company that is not legitimate. It could be a fraudulent company taking your premiums and then disappearing when it’s time to pay a claim.

Review every car insurance policy very carefully. Wording can be everything in an insurance policy and if you have a claim with an insurance company that is questionable at best, you may find yourself fighting for your benefits in a court of law.

Depending on how the policy is written, the judgment may be in favor of the insurance company and you will be out-of-pocket for the car damage costs and your court costs as well.

Shopping for Cheap Car Insurance for Young Drivers

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To find cheap car insurance for young drivers, secure several quotes for comparable coverage to see who can offer you the most affordable rate.

Take all factors into consideration, including discounts and credits that the insurance company will give you.

Make sure you are comparing the same deductibles for the same coverage amounts as well. This will help you get a fair picture of who can truly offer you the cheapest car insurance rates.

Narrow down your choices to two or three selections.

At this point your next step should then be to review the car insurance company’s history to see the following:

  • How long they have been in the insurance industry
  • What their average financial strength rating is
  • How their customer service is reviewed
  • How many payouts they have on the average
  • What their claims to payout ratio is
  • How fast their claims handling process takes

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