Why is it so hard to find affordable teen car insurance?

It's hard to find affordable car insurance for teens because they are considered incredibly high-risk by insurers. The average rates for teens are $471.53/mo higher than the national average.

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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: Jan 21, 2021

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Here's what you need to know...

  • Teenage drivers are some of the most expensive drivers to insure
  • Teenage drivers are considered higher risk because of their lack of driving experience
  • There are ways for teen drivers to find affordable coverage

Teenage drivers are the hardest to find affordable coverage for because insurance companies will charge more for anyone under the age of 25.

Based on statistics, teenagers are likely to get into an accident over other aged drivers.

Therefore, finding an auto insurance policy that is affordable for either the parent or teen to pay will be tough.

What are some ways to lower the price of car insurance for a teenage driver? Read on to find out!

Enter your ZIP code in our comparison tool to receive FREE car insurance quotes.

Enroll Your Teen in Driver Education Courses

Taking driver education courses will result in many insurance benefits. Teens will typically receive a discount on their policy when they successfully complete the course.

Driver education courses may also give drivers under the age of 18 more freedom to drive.

Night driving and driving with passengers may be permitted after driver education courses are complete.

Insurance companies will appreciate the fact that your teen driver has taken the time to learn about safe driving techniques.

Taking the course through a school district may lower the cost of the course.

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Teach Your Teen Proper Driving Habits

Young drivers are going to do what they want when they are on their own. However, you should still teach them good habits while they are learning to drive.

Encourage proper following of all traffic laws. Obeying the speed limit is important when driving.

Observing traffic lights and the right of way of other people using the road avoids a lot of problems.

Be adamant that your teen not drink alcohol or use drugs while driving a car. Driving under the influence before turning 21 can lead to a long suspension of a license.

After the long suspension is over, it will become very difficult to find car insurance but we can help you with that.

Stay Away From Sportier Vehicles

Insurance costs for all drivers may be higher depending on the car being driven.

Younger drivers will pay an even steeper price for coverage on a fancier car.

Sports cars are magnets for tickets, mostly due to the temptation one feels to go fast while driving this type of car, and sports cars tend to be more expensive to repair.

On the other hand, having safety features on your car can make it easier for teenagers to save money on car insurance.

Anti-theft devices and alarm systems can be used to cut down on insurance costs.

Compare Quotes to Get the Best Car Insurance Rates

It may be tough for younger drivers to get insurance that is affordable.

Knowing how to make insurance less expensive can provide ways for parents to obtain cheaper insurance for their teenage drivers.

Lower prices may even make it possible for the kid to pay for his own insurance.

Always remember to shop around for the best price on car insurance. Failure to do so can unnecessarily make your car insurance policy more expensive.

Let us help you in your search for affordable teen car insurance. Enter your ZIP code below!

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