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 18, 2020

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Key takeaways...

  • Comparison shopping is the best way to find affordable car insurance quotes
  • Newly licensed drivers typically pay more for car insurance
  • Most car insurance provers offer a variety of discounts

It seems like prices today keep skyrocketing, and one thing that can get really expensive is car insurance. Because new drivers are more at risk, car insurance for these drivers can get high.

Fortunately, you can save money on car insurance by comparing car insurance companies for FREE! Enter your zip code above to get started!

Table of Contents

Teen Driving Statistics

Car insurance for new drivers is considered more at risk for an accident, so the insurance premiums are higher.

The following are some statistics obtained by insurance companies on new drivers:

  • There are more accidents by new drivers than any other groups of drivers in the insurance industry.
  • Car accidents are the number one killer of teens in the United States.

However, if drivers can prove to the insurance company that they are not at risk for an accident, their premiums should be lower.

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How to Get Cheap Car Insurance

If you are patient and work hard, there are many ways to get cheap car insurance for new drivers:

  • Drivers Should Be Informed – They should not just accept that their rates are going to be higher just because they are a new driver. There are many ways to lower insurance rates. Drivers should research the companies and see who offers the best deals.
  • Drivers Should Reassure the Company – Most companies have higher insurance cost for new drivers because they come with a high risk. Drivers can reduce their insurance rate if they can prove that they have a good credit.
  • Drivers Can Build up Driving History – New drivers might first be on the insurance of a more experienced driver. They could start off sharing a car, so they can prove that they are a safe driver.
  • Drivers Can Ask for Discounts – There are many companies that provide discounts for good grades.
  • Drivers Can Attend a Driving Class – Most companies will lower their rates if drivers attend a defensive driving or another type of course.

Tips to Get Lower Premiums

Here are some ways to get cheaper premiums and possibly cut in half the cost of car insurance.

  • Raise the deductible.
  • Choose the state minimum for liability insurance.
  • Remove comprehensive and collision insurance on old vehicles. Repair costs might be more than what the vehicle is worth.

Cheapest Cars to Insure

Insurance on new drivers will be cheaper depending on the type of vehicle. Most of the time, inexpensive cars are cheaper to insure.

In addition, domestic, 4 door vehicles and 4 cylinder motors and minivans are also less expensive to insure.

Most experts say that it is not wise to purchase an SUV for a new driver. They are more expensive and are not considered safe.

When looking for an older vehicle, you should consider reliability, safety, and price.

If an individual chooses these features, they are more likely to obtain cheaper car insurance.

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Ways to Influence Rates

Parents should talk to their children about safety. The following are several things that parents can do to educate their child about safety. The whole family can even take a defensive driving course together.

They can also teach their child how to handle roadside emergencies. They should know how to change a tire, and they should know how a jack operates.

They can also teach their child the dangers of drunk driving.

If individuals can prove to the insurance company that they are taking safety measures, their car insurance could be less expensive.

Car Insurance Companies

Car insurance companies are very competitive, so it is possible to obtain great rates, even if they are for new drivers.

The best way to get cheap car insurance for a new driver is to shop around and find the best car insurance quotes.

Drivers will want to ask specific questions, such as discounts available, driving record and type of vehicle. Sometimes companies do not offer information, the individual just needs to ask the right questions.

The common discounts for new drivers typically include:

  • Good Grades – Most companies require a B or higher.
  • Do Not List the New Driver as the Primary Driver – New drivers can list a parent or other family member as the main driver of the vehicle.
  • Multi-Car Discounts – Most families have more than one car, so drivers can receive a discount for having more than one vehicle.

Individuals should obtain several quotes from insurance companies to see who will offer them the best rates. Drivers can get free quotes online to see what is available.

If drivers just spend a little effort lowering their rates, they can have extra money to spend on other things that they might enjoy.

Comparing quotes is the best way to find affordable car insurance! Enter your zip code below and start comparing for FREE!

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