Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 26, 2020

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Key takeaways...

  • Teenage car insurance premiums are not cheap
  • Affordable car insurance policies are readily available without sacrificing insurance coverage
  • Drivers between 16 and 25 years old do not have much experience driving

Teenage car insurance premiums are not cheap and every parent must spend the time to research car insurance companies to find the most affordable coverage.

It is possible to get lower car insurance rates by attending a drivers ed program, but the real benefit of these courses will be seen around age 21 versus age 25.

Follow these tips and then compare your quotes. Enter your zip code above to get started for FREE!

Table of Contents

How do you find cheap car insurance for young drivers today?

First, you need to slow down about the whole car buying process and contact a car insurance company before purchasing any make and model of a car.

Did you know that as a young driver your car insurance premiums for a brand new car can often be greater than the car loan payment itself?

Always contact a car insurance company and ask for a FREE quote before deciding on what car to buy.

Most young drivers (and parents) shake at the thought of car insurance premiums, so it’s important to hold your ground and shop around.

Affordable car insurance policies are readily available without sacrificing insurance coverage.

Once a policy is chosen, the rest of the responsibility to get lower monthly payments lies with you.

Keys to success including maintaining a good driving record, possibly even considering a less expensive vehicle, attending that driver education program and being responsible for actions of passengers in your car.

It is quite the task trying to find cheap car insurance for young drivers, but it is possible. Drivers between the ages of 16 and 25 are seen as a “liability” to insurance companies, so they raise insurance rates to make up for their losses.

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Experience of Young Drivers

Drivers between 16 and 25 years old do not have much experience driving and are more likely to get in an accident than those who have more experience.

That is why once you turn 35, your insurance decreases significantly. As young drivers get older and gain more experience, insurance companies feel more comfortable giving them lower insurance rates.

  • Good Grades
  • Defensive Driving Courses
  • Driver’s Education
  • Car Safety Features

However, while they are young, insurance companies will also give them a chance to lower their insurance in a number of ways:

Good Grades

When comparing car insurance companies, look for companies who provide discounts to students who have at least a 3.0 grade point average.

This discount is usually only available to students in college, but high school students may also be eligible.

Insurance companies view students who have good grades in school as responsible students, which is why they will give an extra discount to them.

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Defensive Driving Courses

Taking defensive driving courses can significantly lower young drivers’ car insurance rates.

Since young drivers are more likely to get into an accident, insurance companies like to see when these individuals take defensive driving courses to gain more knowledge about driving.

The course is relatively cheap to take and is well worth the money.

Taking this course can lower your car insurance by more than 10 percent, which is a significant amount.

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Driver’s Education

This is especially important for young drivers who are still in high school. Many high schools have an academic program called Driver’s Education that prepares students for their road test.

They learn all the rules of the road and get the chance to practice driving with an actual instructor.

When comparing car insurance quotes, keep an eye out for companies that give discounts to students in high school who have taken driver’s education.

If your state requires 16-year-old individuals to have a junior license first, driver’s education may also allow that student to go straight to a full license.

Car Safety Features

Young drivers are already considered a liability, so having a car that is not a liability will help lower car insurance rates.

Purchase a car that has safety features such anti-lock brakes, air bags, a rear-view camera for backing out, and other safety features.

The more safety features there are in the car, the lower your car insurance will be.

Compare insurance companies that give these kinds of discounts and find out which one gives the most. Keep in mind that the more expensive your car is, the more expensive it will be for the insurance company to cover it.

Companies that Disregard Age and Accident History

When you compare different insurance companies, it is important that you check to see which ones disregard age and accident history when deciding on an insurance rate.

Very few companies do this, but there are still a few around that do.

Major insurance companies are the ones most likely to not have this option, but you should check with their insurance quotes as well.

You never know how low your quote is going to be until you look.

Some types of companies to check include:

  • Local Insurance Companies
  • Online Insurance Companies
  • The Parents’ Insurance Company

Compare car insurance quotes from the car insurance companies in your area.

Local companies tend to be cheaper and may be more likely to not factor in age and accident history as much.

Young drivers will have a much better chance of getting a lower insurance rate if they do not have an accident history, but some companies will disregard it if the accident was not a severe one.

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Online Insurance Companies

There are only a few different online car insurance companies currently available, but many of the ones that are available disregard age and accident history.

If you have compared all other kinds of companies and have not found what you are looking for, check with online insurance companies.

They don’t care how old you are or what kind of accidents you have been in, they will do their best to give you the lowest insurance rate they can possibly give you.

Online insurance companies are generally cheaper than other insurance companies anyway.

The Parent’s Insurance Company

If the young driver is still living with their parents, the cheapest car insurance may just be the insurance their parents are using.

So it may be best to just put that individual on the parent’s insurance.

Getting cheap car insurance for a young driver is a struggle because of the liability they hold for insurance companies.

However, some companies actually want to give young drivers a chance to have low rates, so they give several discounts to those who qualify.

The best way to get the cheapest car insurance possible is to use sites designed to compare insurance quotes and check to see how many different discounts they offer.

Ready to speak with car insurance companies about cheap car insurance for young drivers – use our zip code search below to get FREE car insurance quotes today.

References:

  1. https://www.statefarm.com/
  2. https://www.wikihow.com/Clean-Your-Driving-Record
  3. https://www.progressive.com/answers/teen-driver-insurance/
  4. https://www.statefarm.com/insurance/auto/car-insurance-for-teens
  5. https://www.nationwide.com/cheap-car-insurance-quotes.jsp