Car Insurance Rates for Young Drivers

Even the best car insurance rates for new drivers under 25 is likely to be more expensive than auto insurance for experienced drivers. Finding the best auto insurance for teenage drivers and cheap car insurance for young drivers isn't mutually exclusive. With our tips and advice, you can be sure that you find which car insurance is best for young drivers in your life. You can get car insurance rates with our search tool, too. So read on to learn more about auto insurance rates for young drivers.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Young drivers — that is, anyone under the age of 25 who also requires auto insurance — have some particularly expensive costs to deal with when it comes to being financially responsible behind the wheel. Car insurance for young drivers as well as car insurance for students can be among the most costly.

And this might be in addition to living on their own for the first time and taking care of all their expenses alone, such as groceries, rent or mortgage payments, utilities, and higher taxes. But there are still ways to save money, and we'll discuss them here.

Do you need to find the best auto insurance quotes for young drivers?

You can compare car insurance for young drivers with our FREE tool right now and find the best rates for you.

Cheap Car Insurance For Young Drivers – Getting Your Own Policy

For starters, if you want low rates for car insurance for young drivers, resist the urge to get that expensive, luxury vehicle until you can afford the insurance you’re likely going to pay on it. Your rates are going to be high enough as it is as a young driver - trying to cover an expensive car or truck will just make your financial burdens that much more onerous.

Auto Insurance Rates: Safe Sedan vs. Luxury VehicleLegend: Affordable Sedan Luxury Vehicle CaliforniaTexasFloridaNew YorkIllinois 255075100125150175200225250275300325350375$64$246$183$300$136$397$86$373$32$167

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These Companies Offer Cheapest Insurance for New Drivers

Young Drivers Insurance – Money Issues

Step one: figure out how much coverage you need, and how much more you can afford once you hit your state minimums. Having a bare-minimum policy is mandatory for driving legally, but you'll want to be protected in other areas too, such as theft, weather damage, or roadside assistance.

Levels of Car Insurance CoverageLegend: Basic Coverage Good Coverage Best Coverage CaliforniaTexasFloridaNew YorkIllinois 255075100125150175200225250275$64$146$197$183$200$240$136$249$281$86$232$255$32$112$127

The rates in the chart above are calculated based on a young driver who owns a slightly older but safe and reliable sedan. Larger vehicles, newer vehicles, and more "sporty" vehicles will all cost more to insure. This is because any claims you file in the event of an accident will be more expensive for your insurance company to cover. Also, try to keep your debt low. The higher debt you are currently carrying, the more of a risk you will be to your insurer - and the more they will charge you to protect themselves from that perceived risk.

Car Insurance For Young People – Driving Habits

Keeping your driving habits in check can go a very long way to lowering your monthly premium. Most car insurance companies only begin offering discounts on your policy after you’ve reached the age of 25. But you can take advantage of a Safe Driving discount if you have a clean record. Being accident-free anywhere from 6 months to a year may lower your premium with some kind of discount.

Another way to reduce costs is to shop around. Try calling around to different companies in your area for quotes, advice, and information. As a rule of thumb, call at least 3 insurance providers (or more if you can) so that you have an idea of who is giving you the better deal. Speak with them about cars, or cars you’re thinking about getting. Have them give you free quotes so you can see how your rates will change if you get a new vehicle. You can also enter your zip code on this page to get several quotes from multiple companies in just a few minutes. Find cheap car insurance for young drivers now.

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