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Best Car Insurance Young Drivers

Want To Know More About Drive Safe & Save

Best Car Insurance for Young Drivers #short

Enrolling in Drive Safe & Save may help you get an auto insurance discount up to 30% based on how you drive.1 You get a discount just for enrolling. Each product option offers different safety and security features. Please talk to your State Farm agent or explore the details under the Drive Safe & Save Mobile for more information.

The Drive Safe & Save discount does not take into account tickets or accidents. Drive Safe & Save collects actual miles driven and basic driving characteristics to calculate the discount.

Drive Safe & Save is always a discount and does not surcharge your policy. The Drive Safe & Save discount is based on your annual mileage and basic driving characteristics.

Your discount may vary from term to term based on your actual driving, but it will always be a discount on your policy.

If you currently receive a premium reduction for low estimated annual mileage and your car is actually driven more than that, your premium may increase at a future policy renewal to reflect your actual mileage.

Please contact your State Farm agent if you have further questions or for more information.

Your discount is adjusted at each policy renewal . Changes in your driving will be reflected in your discount amount, so your discount amount can increase or decrease at each renewal.

State Farm will only share policyholder information as required by law and as stated in the State Farm Privacy Policy.

What Is The Cheapest Way To Get Car Insurance For A Teenager

The cheapest way to get car insurance for a teenager is by adding them to your own insurance policy. It is not advised to buy a teen their own insurance because it can be very expensive. Insurance companies charge teens more for auto coverage than adults because drivers under 25 have a higher chance of causing accidents.

Why Is Car Insurance For Young Drivers So Expensive

As a younger person, it can seem unfair that young driver insurance is expensive. However, there are pretty solid reasons why!

According to Brake, the road safety charity, young drivers under 25 are at a much greater risk of crashing their cars than older drivers.

After passing the driving test, young drivers are more likely to take a chance in the first few years, making them a greater liability to the insurer.

The higher the risk to the insurer, the more your insurance premium. Often, as a young person, you pay less sadly, that is not going to happen with car insurance.

You are most likely to get a cheaper insurance deal by changing insurers. Switching car insurance is an excellent way for young drivers to cut the cost of their premiums.

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Geico: Best For College Students

Youve probably seen the commercials featuring the Geico Gecko. The company created the online insurance quote model, and markets its ability to save you 15% or more on your car insurance. However, not only can you get a quote online, but in recent years Geico has added real world agents that you can visit offline, and you can also call or email. Geico also touts its ability to provide customer service via Twitter.

Geico includes discounts for the vehicle equipment you have as well as for your driving history and habits. You receive a discount for five years being accident-free, as well as for taking drivers education and defensive driving courses. Teen drivers, college students, and young adults can receive a discount for good grades as well, and Geico offers discounts for military service and for federal employees, on top of the standard coverage discounts for multiple policies and vehicles. You can also check Geicos list of more than 500 membership and employee groups that can result in discounts.

Cheapest Auto Insurance For 16

Best Car Insurance Companies For Teen Drivers [Plans, Discounts & More!]

Erie and COUNTRY Financial are the cheapest auto insurance companies for 16-year-olds. The cost of coverage from both companies is $262 per month. Since this age group is typically the youngest and least experienced out there, its difficult to find cheap insurance as a 16-year-old.

MAPFRE is the only other insurance company to offer coverage for less than $300 per month.

Rank

Cheapest auto insurance for drivers 25 and younger.

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Discounts For Teen Drivers

Teen drivers and young adults may lower their car insurance premiums by benefiting from some of the best car insurance discounts for students and various other discounts.

  • Good student discounts: Unmarried, full-time students may get a good student discount by maintaining a certain letter grade or grade point average. The savings amount and eligibility criteria vary by company.
  • Distant student discounts: A distant student discount, also called student away at school, is a potential way to save for college-aged drivers. This discount typically applies to students who go to college at least 100 miles from home and do not take a car with them.
  • Driver training discounts: Driver training programs help teenage drivers develop safer and more responsible driving habits and may also save money on car insurance. The requirements and savings differ by carrier.
  • Usage-based program discounts: Many insurance companies offer a way for all family members to save on car insurance with a usage-based program, also known as a telematics program. Telematics programs require a smartphone or plug-in device installed into the car to monitor driving habits and miles driven. Maintaining safe driving habits can earn you cheap car insurance rates.

What If I Cannot See The Name Of My City In Your List Of Driving Centres

If your city is not listed on the list of driving centres, we still may be able to provide driving lessons to you. As we add more online and virtual programs, we’re able to reach students in more areas. There may also be a location nearby that picks up in your area for driving lessons. For more information, please contact the nearest city that is listed on our website.

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What To Know About Progressive

Progressive offers a plethora of discounts on auto insurance policies, including a discount for good grades and the Snapshot® program, which tracks driving habits and gives discounts for good drivers.

And on top of its standard collision, comprehensive, liability and uninsured/underinsured motorist coverages, Progressive offers additional coverage that could help a teen driver. The company provides rideshare driver insurance so youre covered if you drive for Uber, Lyft or another service and optional roadside assistance.

Progressives extensive roadside assistance covers towing, fuel delivery, battery jump-starts, locksmith service and flat-tire changes.

Progressive is available in all 50 states and Washington, D.C. The company ranked below the industry average in the 2021 J.D. Power auto claims satisfaction study, earning 18 points less than the industry average on a 1,000-point scale.

Get Help Finding The Right Insurance Policy As A Young Driver

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

Whether youre a young or seasoned driver, its always a good idea to compare auto insurance quotes from multiple companies to help ensure you get the best price. Compare auto quotes with the same coverages, so that youre getting the most accurate comparison. Many online quoting systems will suggest and help you arrange coverages based on the information you provide.

And remember, keep driving safe over time you may see that premium go down.

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What To Know About Nationwide

Nationwide has many auto insurance options in addition to its standard policies. Rental car expense, gap, vanishing deductible and accident forgiveness coverages can reward a teen for good driving and help if involved in an accident. Nationwides SmartMiles program might make sense for a teen driver that doesnt log many miles.

Nationwide is unavailable in some states and ranked slightly below the industry average in the 2021 J.D. Power auto claims satisfaction study, earning four points less on a 1,000-point scale.

Should Teens Be On Their Parents’ Car Insurance Policy

Remaining on a parent’s car insurance policy typically costs teen drivers less than trying to purchase their own, so it’s an appealing option. Fortunately, there’s no legal reason why teens can’t be on their parents’ insurance if the family’s in agreement.

This gives a teen driver the benefit of any discounts their parents qualify for, like a multi-policy discount for bundling home and auto and a discount for continuous insurance coverage, that teens may not qualify for on their own.

Of course, adding a teen driver means higher rates for parents, so that’s something each family has to consider. Parents wary of taking on the extra cost may have their teen pay the difference between their current premiums and their new ones.

There’s no law about when a young driver has to get their own insurance, but in most cases, if they’re living independently, paying for their own expenses, and driving their own vehicle, they should probably have their own policy.

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What Can I Do To Help My Teen Become A Better Driver

There are several ways you can reduce parent anxiety about teen driving. For example, you can use smartphone programs to disable texts and notifications. Another good strategy is to go back to the basics. Familiarize yourself with the rules of the road and your cars safety features. Safe teen driving starts with you being a good role model.

Get Your Personalized Discount

Best Auto Insurance Companies For Young Drivers

State Farm offers several discounts that may help teen drivers lower their car insurance costs. Ask a State Farm agent which discounts you, or your teen, might qualify for.

Safe Driver Discount

Our Steer Clear®1 and Drive Safe & Save®2 programs could help lower your car insurance costs while teaching young drivers how to drive more safely.

Good Student Discount

You could save up to 25% if your teen driver gets good grades! The savings may last until your teen turns 25.

Driver Training Discount

You could qualify for a discount if all the operators of your vehicle under the age of 21 complete an approved driver education course.

Discount names, percentages, availability and eligibility may vary by state and coverage selected.

1Return to reference Steer Clear Safe Driver Discount Auto Insurance is not available in every state. For additional information, please contact your State Farm agent. Discounts and their availability may vary by state and eligibility requirements.

2Return to referenceDrive Safe & Save discounts may exceed 30% and vary state-to-state. Not available in CA, NY, MA, and RI.

State Farm Mutual Automobile Insurance Company

State Farm Indemnity Company | Bloomington, IL

State Farm County Mutual Insurance Company of Texas | Richardson, TX

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Overall Cheapest Car Insurance For Teens

Here’s an overview of average monthly car insurance premiums, based on our analysis of quotes for drivers aged 16 to 19 from five of the best insurance companies.

Car Insurance Provider

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.

The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters.

Can You Get Temporary Car Insurance For 17

Yes, and arranging cover can be quick and easy. for 17-year-olds is useful for a few reasons. You might want a temporary car insurance policy to cover you while .

If you have a policy and pass your driving test, you wont be covered to drive your car as a qualified driver. Instead, youll need to take out another policy as a . A temporary car insurance policy could be a short-term option, while you find the right car insurance for you.

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Essential Cost Variables For Insurance

As with everything, there are a host of variables that will affect the cost of your insurance as no two people are exactly alike. With that in mind, here are the variables thatll change the cost of your insurance.

Age

Because motorists with less driving experience are at greater risk of causing accidents, young drivers will generally pay more for car insurance than their parents do. However, Hawaii and Massachusetts have legislation in place to prevent underwriters using age as a cost variable for car insurance.

Gender

Males will often pay more for insurance than their female counterparts. Multiple studies, including research from Insurance Institute for Highway Safety , show that men are statistically more likely to cause accidents, regardless of age. Several states including California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania do not permit the use of gender as a cost variable for insurance.

Insurance carriers routinely use credit scores to determine the probability that a driver will file a claim. Those with higher scores are considered less likely, while those with lower credit are regarded as more likely. As a result, drivers with good credit will usually pay less for car insurance. Again, several states including California, Hawaii, Massachusetts and Michigan have banned providers from using credit scores as an insurance cost variable.

Location

Vehicle/Model

Type of Coverage

Best For Military: Usaa

Cheapest insurance for young drivers and the top 4 companies to get quotes from

If youre a member of the military or an eligible family member, you may also qualify for auto insurance through USAA. This company is one of the highest-rated of all insurance companies across the board, and they offer an array of programs and discounts for young drivers and teenage drivers alike.

As an example, USAA offers a program called SafePilot that can help anyone save up to 30% off their car insurance premiums if they complete a safe driving program and live in an eligible state. Families who have a teen on their policy can also help their kids save when they leave the next. In fact, adult children of USAA car insurance customers qualify for a 10% family discount.

Other USAA discounts for young drivers are listed below:

  • Driver Training Discount: Its possible to save on car insurance premiums if you are under the age of 21 and willing to complete a driver training or defensive driving course.
  • Safe Driving Discount: You can reduce your premiums by maintaining a good driving record for at least five years.
  • Good Student Discount: Young drivers get a discount with good grades at school, and students from age 16 to 25 may be eligible.
  • Family Discount: Pay less for auto insurance when you add a teenager or young adult to an existing family policy.

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Car Insurance For Young Drivers

Drivers in their teens and 20s pay significantly more for auto insurance compared to their older counterparts because insurance companies regard them as riskier to insure. This makes finding cheap young driving insurance a challenging task. Then again, you can still get relatively affordable rates by shopping around.

Drivers in their teens and 20s pay significantly more for auto insurance compared to their older counterparts because insurance companies regard them as riskier to insure. This makes finding cheap young driving insurance a challenging task. Then again, you can still get relatively affordable rates by shopping around.

Best Car Insurance For Teens Of December 2022

  • Best for Student Discounts: Allstate
  • Best Accident Forgiveness Policy: Amica
  • Best for Military Families: USAA
  • Best on a Budget: Erie
  • Average Price for a 17-Year-Old: $3,055 per year
  • Purchasing Options: Online, phone, local agent
  • Available Discounts: 13

With its signature Steer Clear program, State Farm can provide the best affordable, multifaceted coverage for young drivers.

  • Can be pricier than other companies

  • May have to purchase through an agent

State Farm provides nearly nationwide coverage, which includes most states and D.C. residents of Massachusetts and Rhode Island arent eligible for coverage.

Customers have a variety of options for car insurance:

  • Collision coverage
  • Car rental and travel expenses coverage
  • Uninsured motor vehicle coverage
  • Rideshare driver coverage
  • Roadside assistance

Teens and young drivers can benefit by enrolling in the Steer Clear program, which offers a discount if youre under 25 and dont have moving violations or at-fault accidents on your record. Similarly, the Drive Safe & Save program allows you to save up to 30% on your premiums for being a safe driver.

State Farms reviews are quite good across the board. It receives impressive ratings from AM Best for financial strength and J.D. Power for customer satisfaction, and the NAIC reports about two times the average number of complaints.

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Best For Safe Vehicle Discounts: State Farm

State Farm offers a program for young drivers under the age of 25, which is called Steer Clear. This program requires drivers to use a mobile app that monitors their driving, and it is only available to young drivers who dont have any at-fault accidents or moving violations within the last three years. Those who qualify for this program can save up to 20% off their auto insurance premiums when they avoid accidents and drive safely over the long run.

Not only does State Farm make it easy to add a young driver to a household car insurance policy, but they also offer affordable premiums for young drivers who are out on their own. Additionally, this company offers an array of discounts that relate to vehicle safety instead of the age of the driver, including passive restraint discounts and discounts for having an eligible anti-theft device installed on a vehicle.

Other discounts for young drivers offered by State Farm include:

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