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Best Car Insurance For Drivers Under 25

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Cheap Auto Insurance For New Drivers Under 25

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Cheapest Full Coverage Car Insurance In Texas For 50

Drivers in Texas with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  • Geico: $1,116 per year, or about $93 per month.

  • State Farm: $1,192 per year, or about $99 per month.

  • Republic Group: $1,225 per year, or about $102 per month.

  • Nationwide: $1,227 per year, or about $102 per month.

  • Esurance: $1,306 per year, or about $109 per month.

  • What About After Graduation

    If youre a recent college graduate, what can you do to get a good deal on car insurance when buying your own car insurance policy? The first thing is to make sure you have a good credit score. A good credit score allows you a more affordable rate on car insurance. Be sure to keep your score up, too, by making bill payments on time and paying off overdue debts. On the other hand, falling behind on payments can hurt your credit score. If you get too far behind, your insurance carrier might choose not to renew your policy when it expires.

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    Look For The Right Discounts

    Car insurance companies offer discounts that can make a big difference in your insurance bill, and each provider offers a different list of them. That means the best auto insurance company for one driver might not be the best for another. Take time to find the car insurance discounts that make the most sense for your situation. These may include:

    • Multi-policy bundling discount
    • Good student discount
    • Usage-based insurance discount

    If you bundle your homeowners or renters insurance with your car insurance policy, you could qualify for a discount at most insurance companies. If you have good grades or take a defensive driving course, most providers have discounts for this as well. Sometimes just being a new driver or adding special safety features to your car can qualify you for discounts.

    How Much Coverage Do Drivers Under 25 Need

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    The auto insurance laws in your state determine how much insurance drivers need. Driving without the required amount of coverage can cost you your license and raise your rates in the future.

    Here is the minimum amount of coverage drivers under 25 need:

    • Liability. This type of coverage pays for damages and injuries you cause to others in an accident, but the policy will not apply to your own injuries or property damage.
    • Personal injury protection . PIP covers injuries you or your passengers sustained in a collision and will pay back lost wages if you miss work for recovery.
    • Medical payments . MedPay covers your medical costs after an accident or collision but will not cover lost wages.

    Not every state will require PIP or MedPay, so check your state laws carefully before you buy a teen or young driver auto policy.

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    Car Insurance Costs By State For Drivers Under 25

    Local laws and regulations can have a big impact on car insurance rates, meaning that rates are different across states. Population density, the number of accidents in a given area, access to street parking, and other factors can also affect rates from state to state or even ZIP code to ZIP code.

    For example, a 20-year-old may pay as much as $7,576 per year for car insurance in Michigan and as little as $1,022 for the same policy in Hawaii.

    Average Annual Insurance Premiums By State and Age

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    Note that the rates in the chart above are for a full coverage insurance policy, which includes liability, comprehensive, and collision coverages. Liability-only coverage is less expensive than full coverage insurance, but it does not provide any financial protection if your vehicle is stolen or damaged.

    How To Find Cheap Car Insurance As A College Student

    Buying affordable car insurance for college students or grads is undoubtedly a concern, but its rarely a top priority. Many young drivers under 25 get a policy from the same insurance company that their parents use or that theyve used since first starting to drive. Some go online and get a quote or two from different car insurance companies. Fortunately, makes it easy to find cheap car insurance for college drivers or lower your current rate.

    Just follow our checklist!

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    How Does Experience Affect Car Insurance Rates

    Auto insurance companies consider a broad range of factors to determine rates, including driving experience. People with little to no driving history tend to be significantly riskier to insure, so they’ll have to pay higher premiums during the first few years of their driving careers. However, as you spend more time behind the wheel, you’ll see your insurance rates begin to fall.

    Years licensed
    $772 0%

    Percentage increase shows the difference in premium from a driver with five years of experience, which is when experience no longer affects rates, on average.

    In Texas, a 30-year-old man with no driving experience can expect to pay $1,105 per year for a minimum-coverage policy. After one year of driving, his rates go down by $131. After having his license for five years, his rates are $333 cheaper.

    Insurance companies only consider driving experience within the U.S., so immigrants and foreign nationals pay higher premiums as well, even with foreign driving experience.

    Can A Teen Get Their Own Policy

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    Car insurance for teens is critical. But a teen getting their own separate policy is almost always a bad idea.

    A teen can technically have their own insurance policy, but if the teen driver is under age 18, the parents will have to co-sign since an insurance policy is a legal contract. This means that all of the risk comes back to you anyway.

    Adding a teen to your own policy is almost always cheaper than putting a teen on his or her own policy. Even if your young driver is over the age of 18, it is typically cheaper to keep the teen on your policy as long as he or she is living at home and driving your cars.

    Read our age-specific guides for teen drivers to see how rates differ depending on whether the teen is on his own policy or the parents:

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    How Car Insurance Protects Teen Drivers

    After an accident, car insurance protects teens and other young drivers from having to pay for bodily injury or property damage themselves. Good car insurance is especially important for teens because of their inexperience driving and their low incomes.

    According to the U.S. Census Bureau, 15.8 million or 60% of people younger than 25 years old with an income made less than $25,000 in 2020.

    This means that compared to their older counterparts, young drivers are less likely to have the money to pay someones medical bills or replace a totaled car.

    For this reason, we recommend getting as much car insurance as you can afford. If they cant afford full-coverage insurance, teen drivers should at least get as much liability coverage as they can to avoid paying for expensive medical bills, lawsuits, and repairs for damaged property on their own.

    Senior Editor & Licensed Auto Insurance Expert

    Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

    Expert reviewer

    Certified Financial Planner

    Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

    Questions about this page? Email us at .


    Cheapest Auto Insurance In Texas For 40

    Drivers with poor credit in Texas can check out the following insurers with the lowest average rates for full coverage:

  • Nationwide: $1,846 per year, or about $154 per month.

  • Geico: $2,140 per year, or about $178 per month.

  • Mercury: $2,165 per year, or about $180 per month.

  • Houston General: $2,278 per year, or about $190 per month.

  • Redpoint County Mutual: $2,305 per year, or about $192 per month.

  • Read Also: Low Cost Car Insurance California

    What Is The Best Car Insurance For Under

    Most states require car insurance for all drivers, regardless of age and experience. Because drivers have several types of plans and providers to choose from, you may want to research different insurance companies to find one that offers the coverage you need at a price you can afford. Lets break down what you need to know about car insurance for drivers under 25.

    Ways To Get A Cheaper Auto Insurance Rate

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    The price you pay for car insurance depends on a number of factors. It can help to compare car insurance rates to find the most affordable premiums for you. However, there are many ways you could get cheaper car insuranceeven with your existing policy:

    • Add multiple cars or drivers to your policy
    • Combine auto and home policies
    • Pay for your policy in full
    • Complete a defensive driving course
    • Keep a clean driving record
    • Update your policy information regularly
    • Review your limits and deductibles
    • Inform us of safety and anti-theft devices on your car
    • Consider which type of vehicle you choose when buying a car

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    Why Do Male Drivers Under 25 Have Higher Insurance Rates

    Young drivers are inexperienced and easily distracted. These distractions can come from friends riding in your vehicle, making phone calls, and texting while driving.

    As males go through these learning periods, they mature and are less prone to poor judgment while operating a motor vehicle. As a result, auto insurance rates go down after the age of 25.

    The best advice that can be made for young male drivers to get the lowest insurance premiums for 25-year-old males is to practice common sense behind the wheel. Avoid driving with alcohol in the vehicle, dont drive while intoxicated, always wear a seat belt, and avoid any cell/smartphone usage while driving any car.

    Getting a drivers license is a rite of passage for young people everywhere. Sadly, many of them squander this opportunity by being reckless behind the wheel. Nothing good will ever come from poor driving habits.

    Starting good driving habits early is an easy way to ensure you develop into a safe driver. As a male under the age of 25-years-old, your auto insurance rates will not be cheap, but you can avoid unnecessary rate hikes by being smart while driving your vehicle and taking a defensive driving course if you have had any traffic tickets.

    Have At Least A Few Years Under Your Belt As A Driver

    First-time or new drivers pay more for car insurance than older, experienced drivers. In fact, we found that new drivers pay 75% more for car insurance than experienced drivers do, on average. Given that, be patient if youve only been driving for a couple of years and youre currently paying more than youd like for auto coverage. Your premiums should go down soon enough, especially if you steer clear of accidents and tickets.

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    How Can Drivers Under 25 Get Cheap Car Insurance

    To get the best cheap car insurance as a young driver, you need to:

    • Buy your policy from one of the best auto insurance companies for drivers under 25.
    • Buy the right car insurance coverage types for you and your situation and the right amounts of coverage, too.
    • Have at least a few years under your belt as a driver.
    • Have a good driving history.
    • Drive a cheap car, a safe car or both.

    Of course, several other rate factors also impact what young adults pay for auto insurance, like your gender and where you live.

    Still not sure how to get cheap car insurance if youre under 25? Heres some additional information related to the tips above.

    Finding The Cheapest Car Insurance For Under 25 Drivers

    Auto Insurance for Young Drivers – What’s the best way to insure Young Drivers?

    While age does not affect the type of car insurance you can get, it is a factor when it comes to the premium. To find the cheapest car insurance for drivers under 25, you might have to do some research and take advantage of any available discounts.

    While age does not affect the type of car insurance you can get, it is a factor when it comes to the premium. To find the cheapest car insurance for drivers under 25, you might have to do some research and take advantage of any available discounts.

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    Choose The Right Amounts Of Car Insurance Coverage

    If you do need collision or comprehensive coverage as a young driver, dont get more coverage than you need to repair or replace your car if something damages or destroys it. How much collision or comprehensive coverage should you get if you need it and also want to save money? Look at:

    • The value of your car.
    • How much you drive.
    • The crime rate and weather where you live.

    Something else to consider is that you may not need more than the minimum amount of liability coverage your state requires due to the fact that drivers under 25 usually dont have as many assets to protect as older drivers.

    Shop Individual Insurance Sites

    One of the most common ways to shop for car insurance is to go to each companys website. Most insurance websites provide a substantial amount of information about their policies, including coverages and discounts. You may also be able to get a quote directly on the website or call the companys telephone number to speak with a representative. When requesting quotes from each site, be sure to use the same information.

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    How Much Does Auto Insurance For Young Drivers Cost

    According to the National Highway Traffic Safety Administration , men are involved in more fatal accidents than female drivers. Young drivers are also more likely to be involved in a fatal crash than older drivers. This is one of the major reasons why the average cost of car insurance for a 19-year-old male is so expensive.

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    This chart shows the average car insurance rates by age and gender for younger drivers.

    Drivers under 25 can pay up to $5,000 or more per year for coverage than drivers over the age of 30. Car insurance rates go down at 25, but men continue to pay more for car insurance even as they get older.

    The Best Cheap Car Insurance For New Drivers

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    Allstate offers the cheapest minimum-coverage car insurance rates for new drivers, and State Farm has the best rates for full coverage.

    Auto insurance companies consider a number of factors to determine rates, including driving experience. First-time drivers pay higher premiums because they’re more likely to be involved in an accident. For insurance purposes, newly licensed teens, immigrants and foreign nationals, older drivers who have never had a license or those with a gap in driving or insurance coverage are all considered to be new drivers.

    How we picked the best companies

    We collected tens of thousands of car insurance quotes from every ZIP code in Texas to find the lowest rates. Rates were for new drivers age 16, 17, 18, 21, 25, 35, 45 and 55, as well as a 16-year-old on the policy of his two 50-year-old parents.

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    Best And Cheapest Auto Insurance Companies For Young Adults

    Because the cost of insurance for young drivers is so expensive, the best companies for young adults are the ones that offer affordable rates. With this in mind, we picked a few of the best auto insurance companies for different types of young drivers:

    Our analysis of rate data found Erie has the cheapest car insurance for teens and young adult drivers. On average, Erie’s insurance rates for young adults are more than $1,754 cheaper per year than average for the age group.

    But Erie is only available in a handful of states. State Farm, which is a national carrier, is another great . USAA, GEICO, and COUNTRY Financial also have cheap car insurance for teens and young drivers but not everyone is eligible for USAA coverage.

    On average, car insurance for young adults costs $4,034 each year, but we ranked 25 of the largest companies in the country and found 14 with where teenage and young adult drivers can get their own car insurance for less.

    It’s cheaper to add a teen or young adult to an existing policy than for them to get their own car insurance, this isn’t an option for every teen driver.


    Erie is the best and cheapest car insurance for young adult drivers and teens. Drivers 25 years old and younger can get car insurance from Erie that costs 43% less than average. However, Erie is only available in 13 states.

    Young drivers can also get great discounts on car insurance with Erie including special discounts for drivers under 21 who:




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