How do I find the best car insurance rates for teenagers?

Car insurance for teenage drivers can cost up to $517/mo. Ask your provider about good student and driver course discounts. Mention if your teen driver leaves for school out-of-state and won't be driving.

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 29, 2021

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Here's what you need to know...

  • To find the best rate, find out all discounts your teen could qualify for
  • You should choose an appropriate car for your teen; a low-cost, modest vehicle will cost less to insure
  • Shop around. Get started with an online rate quote tool like the one on this site

Finding the best car insurance rates for teenagers is as simple as shopping around.

There is no magic formula for finding the most competitive rates for young drivers other than getting as many quotes as possible and comparing them carefully to make sure you have the best coverage possible at the best possible rates.

Knowing a little about how to get discounts and the importance of the right car will also help you in your quest for great rates.

You can find the cheapest teenager car insurance rates online with just your zip code! Click here to find the right car insurance for your teen today!

Insurance Companies and Discounts

Every insurance company has discounts that it offers for a variety of reasons. In order to get the best car insurance rates for teenagers (or anyone), it is important to make sure you have all the discounts you can possibly get.

Bear in mind that discounts vary greatly from company to company, which is why shopping around is so important. You may get a rate from one company which offers no discounts for teen drivers and actually removes certain discounts that you were previously eligible for.

You may also find other companies that not only offer a wider variety of discounts but also have discounts that are specifically for teen drivers.

The typical discounts offered by many insurers include:

  • Good driver discounts
  • Low mileage annually
  • Member of select groups
  • Good insurance record
  • Safety features on vehicle

Discounts offered by some insurers that significantly improve car insurance rates for teenagers include:

  1. Good student discounts
  2. Completion of driver training courses
  3. Teens who live away from home

When you are shopping around for insurance for your teenager, ask insurers if they have applied all discounts possible and if there are others you might qualify for.

Sometimes you can become a member of a group for almost nothing, but it may save you lots on your annual insurance premiums.

Choosing the Right Car for Teenagers

Getting your teenage driver a car of his or her own is actually a very good idea. However, it is vitally important to make sure that you choose the right kind of car.

Do not opt for a sports car, luxury car, new car or other high-value vehicle. Instead, choose an older, more “boring” car.

Older cars are usually less expensive to replace or repair. (We are not talking about classic or antique cars, of course.) Many of them are sturdier than newer cars. They are even more physically difficult to drive recklessly.

This makes them the perfect solution to a number of issues.

Rates for such vehicles are much lower than for other types of cars. You can also opt to carry less coverage, especially collision and comprehensive, on an older car that is paid for outright and does not have a high value.

In terms of your car insurance, there will be less of an impact on your premiums for your newer vehicles if your teen has his or her own vehicle, as the insurer assumes that most of his or her driving will be done on that car.

Shopping for Car Insurance for Teenagers

Let’s face it. Many insurance companies simply do not want to insure teenagers. They are all too aware of the fact that teenagers are notorious for being irresponsible and high-risk.

Often, to discourage teen drivers on their policies, the rates they offer such drivers are extremely high. Some insurance companies charge up to $517 per month for teen drivers. Therefore, it is necessary to shop around for coverage when you want car insurance for teens.

The coverage you have carried to date that may have been an excellent deal may be from one of those companies that charge exorbitant prices for teen drivers.

Shop around for rates for teenagers carefully and thoroughly.

  • You should get as many quotes as possible from companies serving your area.
  • Get quotes for yourself with your teen driver and his or her vehicle added.
  • Get other quotes for a stand-alone policy for your teenager and his or her vehicle.

Is there a difference in price between these last two?

To make all this shopping around as easy and time-efficient as possible, use an online quote tool and the process will be a breeze. These free tools help you quickly find multiple quotes from companies that write policies where you live.

You just need to input your information once to start accessing quotes, and you can change the type of coverage you need easily in order to create different scenarios to find which way works best for the car insurance need for your teen.

Get started with our online car insurance quote tool in order to find the best car insurance rates for teenagers now!

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