Tips for Finding Car Insurance for Young Drivers

$551.11/mo is the national average for young drivers' car insurance rates. Save more by finding discounts, raising your deductible, and comparing quotes online.

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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® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • Every young driver must have car insurance before they are able to drive
  • Insurance companies offer discounts for teen drivers such as for completing drivers ed
  • Remember to compare several different companies before purchasing car insurance

There is no doubt that young drivers must have car insurance.

However, there are so many companies selling car insurance that people don’t know which company to turn to and what kind of policy to choose.

With the advent of sophisticated insurance websites, you can search the internet for different kinds of car insurance policies.

Finding the cheapest young drivers car insurance rates is as simple as just entering your zip code into the free car insurance comparison tool above!

Why is it mandatory for young drivers to own car insurance?

Driving a car is a necessity and allows children to go wherever they want without much hassle.

Just as they are educated on the rules of driving and respecting other drivers, young drivers should be educated about what it means to have car insurance.

Unfortunately, most automobile accidents involve young drivers from ages 15 to 20. Reasoning, mental judgment, tolerance, and emotional faculties don’t often mature until kids are in their late teens or past, and lack of these mature functions often paves the way for disastrous results.

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How can I go about getting my teen car insurance?

Young drivers often end up with more tickets and fines than adult drivers. If the teen has a car of his own, it’s better to get a policy for him alone.

If there are two cars in the household and there are three regular drivers in the family, most insurance companies will ask for expensive premiums if the teen has to be included.

It’s quite understandable that parents will want to buy their child’s dream car.

However, it would be a good idea to let children handle the oldest car in the house until they become experienced drivers.

A young driver’s car insurance is based on the risk factor, the age, gender and marital status. Young drivers are known for driving fast so the risk factor is understandably high.

Finding Cheap Young Drivers Car Insurance

Here are some other tips for finding cheap car insurance for young drivers. First, get a hold of insurance companies that specialize in giving a fair deal to young drivers.

Once you identify these companies, get quotes, compare them, and choose the best out of them.

The budget of the family is greatly affected by insurance premiums, so it’s a good idea to shop around a bit before finalizing on one.

Most insurance companies offer teen discounts. Ask teenagers to do a bit of shopping around; it will make them more responsible for their vehicles. Teach them how to browse free quotes and compare benefits as well as costs to make the most informed decision for their security and budget.

You and your teen can compare free car insurance quotes online right here by entering your zip code below!

Free Car Insurance Comparison

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

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