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 13, 2020

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Key takeaways...

  • Teen drivers pay more for insurance than drivers over 25 years old
  • Expensive cars with large engines cost more to insurance than standard vehicles
  • Approximately 15 percent of all car accident deaths are caused by young drivers under 21

If you are a teenager looking to insure your car, you probably know that young drivers get the highest auto insurance rates around.

Statistics show that young newly qualified drivers face an increased risk of getting involved in a car accident during their first year of driving.

Approximately 15 percent of all car accident deaths are caused by young drivers under 21. The risk of an accident per mile of driving is seven times greater for teenagers than for those aged over 60.

As a teenager, you will pay significantly less for your car insurance if you qualify for one or more discounts.

Compare cheap student car insurance with our FREE comparison tool! Enter your zip code above to get started!

Table of Contents

Buy a Low-Risk Car

Expensive cars with large engines cost more to insurance than standard vehicles. However, buying a cheap car does not necessarily mean that you will pay less for auto insurance.

Older vehicles are often poorly maintained, which increases the risk of getting involved in an accident.

If you still want to buy a cheap car, make sure it has airbags and safety equipment.

Cars with smaller engines are cheaper to insure. The higher the horsepower rating is, the more you will pay for coverage.

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Compare Car Insurance Quotes Online

Use the Internet to get cheap auto insurance quotes from different companies. Comparing car insurance quotes online is the best thing that a teenager can do in order to save money on coverage and get the lowest possible rates.

Car insurance companies usually offer massive discounts to those to buy coverage through their websites.

When comparing auto insurance quotes online, you will see that most insurers feature special plans for teenagers who follow certain conditions.

Some plans restrict teens to drive during certain hours, while others encourage them to stay away from drinking.

Apply for Car Insurance Discounts

One of the main advantages of buying auto insurance online is that you can compare and evaluate multiple quotes within minutes.

Insurance companies usually provide information about the discounts that are being offered.

These car insurance discounts are cumulative, so you can apply for as many as you wish.

If you stick to the speed limit and maintain a clean driving record, you may qualify for a good driver discount.

Joining an auto club or a professional association can bring you added savings.

Good Student Discounts

Performing well in school will help you get lower car insurance premiums. Most insurance carriers offer discounts to full-time students at the high school or college level who obtain good grades.

Depending on your insurance company, there are different requirements to receive a good student discount.

Students who maintain a B average are usually eligible for this special discount.

In some states, additional criteria may be used to determine whether or not you qualify for a good student discount.

When you compare auto insurance quotes online, you will be able to see state-specific discount details.

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Defensive Driving Discounts

Teenagers who take defensive driving courses save up to 45 percent on auto insurance.

The course will help you become a safe driver, prevent accidents, and get lower car insurance rates.

In addition, young drivers will learn the need to stay attentive when they are behind the wheel.

Low Mileage Discounts

Reducing the number of miles you drive is one way to make your car insurance more affordable. If you live on campus and you only drive occasionally, you may be eligible for low mileage discounts.

If your school is relatively close to your home, you will qualify for this discount automatically.

Taking full advantage of the car insurance discounts that are being offered is the easiest and most convenient way to save money on coverage.

Although there are several factors that contribute to the cost of insuring a teenager, most of them can be easily kept under control.

Save on car insurance with our FREE comparison tool! Enter your zip code below and find the perfect policy!

References:

  1. https://www.geico.com/information/safety/auto/safety-library/teen-driving-resources/
  2. https://midatlantic.aaa.com/driver-training/pennsylvania
  3. https://www.safeco.com/products/auto-insurance/discounts/low-mileage