Affordable Car Insurance for Young Drivers

Car insurance rates for young people are 688% higher than rates for adults. Compare quotes to find hidden discounts and reduce your bill by 20%.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: May 12, 2020

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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.

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Here's what you need to know...

  • The best way to get cheap car insurance for young people is to get multiple quotes
  • Teen male drivers may pay as much as double the insurance rate as female drivers of the same age
  • Comprehensive coverage  protects you from incurring expensive bills from an accident

All car insurance companies charge consumers different rates for coverage. The best way to get cheap car insurance for young people is to get multiple quotes and then choose the insurance company that offers the lowest rates.

Also, consider the type of auto coverage that you want before you begin to compare rates.

In most cases, younger drivers will pay a higher rate for auto coverage because they do not have much experience behind the wheel. As such, auto insurance providers consider them to be a higher risk.

However, there are a few things that young drivers can do to reduce their premiums.

Type in your zip code in our comparison tool above to get multiple car insurance quote online for free!

How can young drivers save money on car insurance?

Since young drivers are usually students, the easiest way to save money is to perform well at school.

Many car insurance companies have discounts available for drivers who get high marks in all of their school subjects.

You will need to talk to individual insurance providers to see how much your savings will be.

Your car insurance company will require you to supply them with a copy of your most recent grades. The report may need to be faxed to a specific department, or you might have to get it notarized and sent directly from your school.

It may also take a few weeks before the discount is applied to your policy.

Another way to cut down on your auto insurance expenses is to be added to the existing car insurance policy of a more experienced driver. This can be a parent, a roommate, or anyone with whom you co-own a vehicle.

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How can young people tell if they are getting a good car insurance rate?

If you are an inexperienced driver, you will need to consider a number of factors in order to determine if you are getting a low car insurance quote.

First, if you have been involved in any collisions or have gotten a traffic citation, you can expect your rates to be higher.

Most car insurance providers will assume that you will submit a claim at some point in the future, so they will assess a higher rate in order to mitigate their costs.

Although anyone under the age of 25 is considered to be a young driver, motorists that have only had their license for a year or less will pay much higher rates.

Teen male drivers may pay as much as double the insurance rate as female drivers of the same age.

When young drivers go online to compare car insurance rates, they have the opportunity to check out dozens of companies at once. By comparing all of your options, it will be easier for you to find the lowest rate available.

What type of car insurance policy should young drivers choose?

Comprehensive coverage costs more than liability-only coverage. However, it also protects you from incurring expensive bills. If a young driver has an accident, they can expect an increase in premiums.

Having comprehensive coverage helps young drivers to keep their liability to a minimum.

Liability-only auto insurance coverage is less expensive, but it also comes with some notable risks. If you have an accident and you have liability-only coverage, you will need to pay to have your own car repaired.

If your vehicle is totaled, you will be out of a car completely.

Ultimately, the company that you purchase your auto insurance policy from will have a huge impact on the amount of money that you pay for coverage.

Should your premiums ever go up, you should start to shop around at other insurance companies and compare their rates online.

How much can young drivers expect to pay for car insurance?

Car insurance premiums for young drivers are entirely contingent on the area in which they live, their age, their driving record, and the type of car that they drive.

Motorists living in major cities will also pay more for car insurance than drivers who live in the suburbs.

Sports car owners will pay a higher rate for auto insurance, and drivers that have been in a number of accidents also have higher rates.

Young drivers that don’t have good driving records might want to look into getting coverage from a company that specializes in insuring high-risk drivers.

Even after you have received a low priced online quote, you may be able to get reduced rates by asking about available discounts. Speak to an insurance agent or an independent broker to find out what type of discounts you may be eligible for.

Get car insurance rates by entering your zip code in our free comparison tool at the bottom of the page!

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