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: Oct 13, 2020

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Here's what you need to know...

  • Teen drivers usually have higher premiums than more experienced drivers
  • Good grades and a clean driving record can help lower their monthly premium
  • Taking a defensive driving course can also lower your insurance rates

Finding car insurance for young drivers isn’t difficult, but finding affordable insurance can be. You thought that you were past the expensive stages of having children, those days when you were buying diapers by the case and paying for childcare.

Now that your teen is all grown up, it’s time for another round of expenses. However, these are ones that are ongoing for the rest of his life.

Fortunately, there are ways that you can cut the cost of car insurance and eventually, he’ll go out into the world and get his own car insurance policy!

Enter your zip code above in our car insurance comparison tool to receive car insurance quotes for FREE!

Table of Contents

Steps to Finding Affordable Car Insurance for Your Young Driver

You don’t need to follow these steps in the exact order, although they are listed in order of which ones should net you the largest discounts.

Go through the list and pick out the ones that will work for your family, and start working on the things that you can do now. Save this list and come back to it as you need to.

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1. Compare Auto Insurance Companies

The best way to save hundreds of dollars is to compare the rates you’d pay for your insurance with multiple companies.

Rates differ greatly from one insurer to the next so it’s worth your time and effort to run a quick online car insurance comparison.

This can be done every few years for maximum savings.

2. Increase Your Deductible to $1000 or More

This will not only keep your insurance rates lower but it will make you less likely to file minor claims that you could just pay out of pocket.

If you don’t already have an established emergency fund, start one by putting aside the money that you save by raising your deductible.

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3. Drive A Safe Car

Make sure that, if your young driver is insured as a full-time driver, he is driving a car with a high safety rating as well as additional safety and security features.

Remember that a safe car doesn’t always mean a brand new one.

Letting a young driver have a new car is a sure way to increase your auto insurance. Find a model that is three to five years old, with a high safety rating for their first car.

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4. Insist On Good Grades

Teens who keep a B average in school are usually eligible for a discount because insurance companies have found a correlation between students who maintain good grades and are safe drivers.

5. Eliminate Comprehensive and Collision Coverage

This is a great money saving move if you are driving older cars that aren’t worth much more than the deductible.

Chances are the premium is more than the car is worth.

Use your savings to beef up your emergency fund and be ready if the time comes.

6. Take Drivers Education Classes

If you live in a state that doesn’t require your teen to take drivers education classes, it is well worth it to enroll them in one through a private driving school, online or via a home study course.

Insurance companies like to know that the drivers they are insuring have had proper instruction and will reward you for that.

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7. Pay Your Premiums Annually

Car insurance companies are happy to give discounts to customers that pay infrequently.

Instead of paying month by month, save up and pay for a whole year and you’ll be rewarded with a small discount.

This saves them time and money to send you invoices and process your payment.

8. Check Your Credit Score

If you think your rates aren’t as low as they could be and aren’t sure of your credit score, you should get a copy of your credit report to make sure that there are no errors being reported.

Each of the three credit reporting bureaus will give you one free copy annually.

If you find a mistake, dispute it so that it gets taken off and your score is raised. Your credit score plays a role in how much you pay for any kind of insurance.

9. Change Your Young Drivers Status When They Go Away To School

If your child is attending a high school or college away from home, change their driving status so that you aren’t paying for their coverage during the times which they are not around.

It doesn’t make sense to pay for coverage that isn’t necessary. You can always reactivate their coverage once they come home.

They’ll still be on the policy and will have coverage when they are at home, upon you notifying the insurance agent, but you won’t be charged nearly as much.

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How to Compare Affordable Car Insurance Online

Comparing auto insurance policies online is easy and doesn’t take up as much time as you might think. Simply input your information and selection the companies you would like to receive quotes from.

Enter your personal information as well as your vehicle make and model. Read through the quotes that you are shown to see which meet your needs the best.

Contact a customer service representative if you require more information.

Choose the company that you want to buy insurance from, fill out the forms and submit your payment.

Finding affordable car insurance for your young driver isn’t impossible, it will just take a little work on your part.

For an educational experience, involve them in the process so that they get a taste of the “grown-up” world and have a better appreciation for their driving privileges.

The easiest way to compare car insurance is to use our FREE online comparison tool! Enter your zip code below to get to started!

References:

  1. https://www.progressive.com/
  2. https://www.statefarm.com/simple-insights/saving/car-insurance-deductibles-and-coverages-choosing-well
  3. https://www.nationwide.com/cheap-car-insurance-young-drivers.jsp
  4. http://teendriving.aaa.com/CA/teens/getting-ready/before-you-start-to-drive/
  5. https://local.dmv.org/pennsylvania/philadelphia-county/philadelphia/driving-school-and-drivers-ed.php
  6. https://www.geico.com/save/discounts/car-insurance-discounts/
  7. https://www.thebalance.com/who-are-the-three-major-credit-bureaus-960416