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

UPDATED: Sep 14, 2020

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Key takeaways...

  • Young drivers face expensive car insurance rates, but there are ways to find cheap car insurance
  • Risk factors play a large role in determining rates, and there are several that can negatively or positively affect young drivers
  • Don’t forget to ask about discounts that young drivers might be eligible for

Young drivers often face expensive car insurance rates. However, there are ways to find cheap car insurance for young drivers.

One of the best ways is to compare car insurance companies online as many offer auto insurance discounts for young drivers to help offset the standard premium rates.

Ready to find better and more affordable car insurance for young drivers? Enter your ZIP code above and compare at least three to four policies today!

The Best Car Insurance Companies and Rates for Young Drivers

It’s hard to define any best insurance provider when it comes to car insurance. Most auto insurance companies offer coverage for young drivers, so there is a competitive marketplace which helps maintain affordable auto insurance premiums.

Every teenage driver will have a different profile, and car insurance rates are based on more than just the age of the young driver.

Some of the most important factors car insurance companies use when calculating risk to determine premiums for young drivers are:

While your best friends may get lower car insurance rates with Allstate or State Farm than you would, it’s often just a reflection of their application profile rather than whether or not they are a better driver.

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Available Discounts for Young Drivers

Car insurance discounts for young drivers will vary from one company to the next.

Although, there are some standard discounts offered by many providers, so you should learn about these and always ask whether or not they apply when comparing car insurance companies.

Here are some discounts to inquire about:

  • Limited Vehicle Use – short commute between work/school
  • Good Grades – usually a GPA of 3.0 or better
  • Defensive Driving Courses – often help you get a discount at an earlier age such as 19 or 21 instead of waiting until you’re 25
  • Automatic Payments
  • Pay Your Premium in Full
  • Family Member or Multi-Policy Discounts – possibly get a discount by using the same company your parents have

Comparing Car Insurance Rates for Young Drivers

The first step will be to learn about the types of coverage you need, what policy deductibles are, and how much coverage you require (policy limits).

Think of purchasing car insurance as one of your first adult decisions, and research to (a) understand the policy details and (b) learn valuable information which will help you save money for life.

Once you’re familiar with the details of car insurance (and you confirm with your parents), we can help!

Looking for better and more affordable car insurance? Enter your ZIP code below and start comparison shopping today!