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 insuran...

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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 Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Teen drivers have higher premiums for car insurance due to risk factors
  • However, affordable auto insurance is still an option
  • We have four tips you can follow to lower a teen driver’s auto insurance rates

Teen drivers will almost always have a hard time finding cheap car insurance. However, there are many ways to find affordable car insurance policies.

While a 19-year-old driver may feel more mature than a 16 or 17-year-old driver, car insurance companies often do not award lower rates until drivers turn 25 or 21 depending on the provider and applicant profile.

While it is true that a 19-year-old driver who has been driving for three years will have lower car insurance than a 16-year-old with an identical profile (except age), the difference is often minimal.

All teenage drivers or parents of young driver should be prepared for higher premiums during the early years of holding a drivers license.

If you are a teen driver in need of better and more affordable auto insurance, enter your ZIP code above and compare three to four policies today!

Tips to Get Lower Insurance Rates

Car insurance rates for a 19-year-old are more expensive than most, but there are several things young drivers can do to lower auto insurance premiums. While some have more of an effect than others, it is important to save money.

So read the tips below to help you save money on young driver car insurance.

Maintain Good Grades


Most car insurance companies have proven that teenage or young drivers with better academic records are less likely to file a claim than students with poor grades.

In terms of risk, those students with good grades often get rewarded with a car insurance discount.

The average GPA required for an auto insurance discount is 3.0, so ask potential insurance providers about any good grade discounts available.

You can potentially save 10 or 20 percent on premiums! That’s more than enough for a new iPod!

Take a Driver’s Ed Course


Car insurance providers also love young drivers who have taken a defensive driving course; however, these courses do not always provide a discount.

Sometimes only courses approved by a particular car insurance company will qualify you for a discount.

It’s important to ask any potential driving school precisely which car insurance companies accept their driver’s education class for discounts.

You really don’t want to spend a couple hundred bucks on a course and not get the benefit of a discount.

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Stay Close to Mom (or Dad)

Most young drivers live at home and if you can find a job or school relatively close its possible to maintain favorable rates on car insurance premiums.

Auto insurance companies love drivers who have small commutes. Low mileage discounts are a great way to save 10, 20 percent, or more on a car insurance policy.

Consider a Higher Deductible

A higher deductible is one of the leading ways to lower your car insurance premiums.

Most auto insurance policies come with a $250 deductible, but choosing to raise your deductible to $500 or even $1,000 can possibly provide some really big discounts.

The higher the deductible, the more money you will need in the event of an accident; however, sometimes the change in rates can be often well worth paying a higher premium.

You probably don’t have a financial advisor at this point, so ask your parents about whether or not a higher auto insurance deductible is right for you.

If you’re looking to save on auto insurance, enter your ZIP code below and start comparison shopping today!