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Cheapest Cars For Insurance For New Drivers

What Does Fronting Mean In Insurance

The cheapest car insurance in the US for young drivers

Aside from the monthly cost, there’s also the pain of filling out all the paperwork and understanding all the jargon. One term you might come across is fronting.

Fronting occurs when the main driver on a car insurance policy is listed as someone other than the person who will be driving the car most often.

This is usually done in an attempt to get cheaper car insurance, as rates are typically lower for drivers who are married or over the age of 25.

While fronting is technically legal, it’s important, to be honest when applying for car insurance. If you’re caught fronting, your insurer could cancel your policy and leave you without coverage.

Cheapest Cars For Young Drivers To Insure Uk

To help you find an affordable car with lower insurance premiums, here is a list of vehicles that might suit young motorists.

While older cars are great for a first car, as they will be less valuable and therefore cheaper to cover, newer cars offer many modern safety features that will benefit younger drivers. Here are some of the best models on the market:

Ford Fiesta

The Ford Fiesta has been popular since its launch almost 50 years ago in 1976. The Fiesta is in Insurance group 2, which will automatically be a cheap option to insure.

They are well built, comfortable vehicles that are great for new drivers. The small vehicles 1.1-litre petrol engine offers excellent fuel efficiency, and entry-level models come with an impressive infotainment screen that allows Android Auto and Apple Carplay as standard.

Despite being a small car, this hatchback is surprisingly roomy, and there is a range of specs and trims for prospective buyers to explore.

Seat Ibiza

The Seat Ibiza finds itself in insurance group 3 for the 1.0-litre MPI model. Older models can even offer group 2 insurance if you are interested in a used car.

The spacious car is great for those that want to take passengers on adventures and even has a large boot. The vehicle offers safe handling and good fuel economy.

Some models are available with rear-facing cameras and a parking sensor, and the 60,000 three-year warranty offers the owner peace of mind.

Vauxhall Corsa

Seat Mii

Volkswagen e-Up

Dacia Sandero

Fiat Panda

Toyota Aygo/peugeot 107/citroen C1

The Aygo, 107, and C1 are basically the same car. They all share an engine and look almost identical. They have similar prices too – with new models priced around £13,000, and used cars from 10 years ago coming in between £1500 and £1750.

Theyre affordable first cars, and theyre great for driving around town. But the equipment on entry level models is quite basic, boot space is limited, and their 1 litre engines arent best suited for motorway driving.

Dont let that put you off, though. Theyre easy to drive, performing well in small spaces and start-stop traffic. And most importantly, theyre cheap to buy and insure.

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Complete A Driver Safety Course

Newly-licensed young or senior drivers that complete a drivers ed course could receive a good discount on new driver car insurance. Older drivers can take advantage of the American Association of Retired Persons online defensive driving course geared towards drivers 50 or older. The self-guided course costs $22. Study at your pace, which could take you between four and eight hours to complete. Youll save money on your car insurance policy for several years once youre done.

Younger drivers should inquire with the car insurer theyre interested in about defensive driving courses. For example, GEICO refers clients to take an online course through the National Safety Council or the American Safety Council for a discounted cost of $12.50. The small amount of time and money youll invest will pay off a discount between 5% and 20% on your car insurance premiums is typical.

Cheapest Suvs In 2023

Cheapest insurance for young drivers

Some car buyers just cant function without the extra storage space and seating capacity of an SUV. This section is for those people! Below, find a list of the cheapest SUVs available at dealerships across the country.

2023 Hyundai Kona

Cost: $23,4756

Its easy to spend too much time talking about specs and features and forget the value of a vehicle thats flat out fun to drive. Thankfully the 2023 Kona is as fun as it is practical. The standard engine is capable of 147 HP, with the option to upgrade to a more powerful powertrain. Its a small, fuel efficient SUV capable of an estimated 35 mpg on the highway.

2023 Chevrolet Trailblazer

Cost: $21,8007

Dont look now, but Chevrolet is making real headway in the compact-SUV segment. The 2023 Trailblazer is roomy, affordable, and loaded with the latest technology. Its easy to find space for extra cargo, and the upgraded trims create a lot of customization options.

2023 Nissan Kicks

Cost: $21,5858

Its small for the class, but the Nissan Kicks sure is practical. The SUV is storage friendly, even more so when the seats fold down. The Kicks is great on gas as well. All three trim packages are equipped with the same 122 HP engine, though there are options to upgrade the driver assist and infotainment offerings.

2023 Hyundai Venue

Cost: $20,8359

2023 Kia Soul

Cost: $19,89010

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The Best Car Insurance For New Drivers

If you recently got behind the wheel but youre finding the high costs of car insurance for new drivers discouraging, you came to the right place. Well help you find the cheapest high-quality company for your profile.

For starters, we got quotes for drivers aged 16 to 21 from all the major auto insurance companies to determine which ones offer the lowest prices. Then we studied the leading rankings in customer service and financial strength to establish the most reliable insurer. Finally, we made a list of tips and tricks that should help you cut your insurance expenses by up to 40% no matter which company you choose.

So dive in to find the perfect coverage for your needs.

Average Cost Of Car Insurance For New Drivers Under 21

Drivers under the age of 21 tend to pay some of the highest insurance rates offered by insurance providers. Statistics show that younger drivers are more likely to be in an accident and file a claim. According to The Zebra, the average 21-year-old driver pays about $850 more annually. Besides having less experience, finder found that younger drivers have higher rates of being in a severe accident.

The top insurance providers for drivers under the age of 21 tend to be Allstate, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA. While USAA offers the best rates, its coverage is only available to active military and family members. State Farm offers the second-best rates, with an average of $1,319 annually.

Many factors, including your age, the vehicle you drive, and whether you are on your parent’s policy, will increase or decrease this average. Although drivers under 21 pay the highest insurance rates, you may receive a significant drop when you turn 21 years old. A 21-year-old driver pays, on average, $451 less than a 20-year-old driver.

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How Much Does Car Insurance Cost For Young Drivers

The average young driver insurance premium is £1,277. Unfortunately, young drivers generally pay the most for their car insurance, because theyre statistically among the most likely to be involved in an accident and need to make a claim.

51% of young drivers between 17-24 years old could achieve a quote of up to £1277 for their car insurance based on Comparethemarket data in September, 2022.

Should I Drop Collision And Comprehensive Coverage To Get Cheap Car Insurance

10 Fast Cars with Cheap Insurance for Young Drivers (Under £10,000)

At some point, as your vehicle gets older, paying for collision and comprehensive coverage no longer makes sense. Thats because the maximum payout would be the value of the car if its totaled or stolen, minus your deductible. If your car is worth very little, youre paying for coverage that may result in only a small insurance check.

But if you would be in a financial jam if your car were totaled, stolen or extensively damaged by a problem covered by the collision and comprehensive insurance, keeping them makes sense.

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Where Can I Compare Car Insurance Quotes For Young Drivers

Right here at Comparethemarket. We independently compare a wide range of the UKs most trusted car insurance providers to offer young drivers competitive car insurance deals.

Compare for young drivers today and see if you can start saving. is a trading name of Compare The Market Limited. Registered in England No. 10636682. Registered Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. Compare The Market Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution . Energy and Digital products are not regulated by the FCA.

*To obtain a reward, a qualifying product must be taken out. 1 membership per year..

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Student Away From Home

If your 17-year-old decides to go away for college and leaves their car at home, you may be eligible for a discount.

Most insurers require that the student attend and reside at a school that is a certain distance away from the insureds household. For instance, to be eligible for the Student Away from Home Discount through Travelers, the students school must be 100 miles or more away from home.

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How To Save On Car Insurance For New Drivers

Theres no one surefire way to find the best price for auto insurance, but there are a few things you can do to get a lower car insurance premium. We recommend using the following strategies if youre purchasing car insurance for new drivers.

1. Compare Insurance Companies for New Drivers

No two insurance companies will give you the same price. Taking time to compare car insurance quotes will give you a baseline idea of what you can expect to pay when adding someone to an existing policy or how much you could save by switching providers.

When youre deciding between two companies, it may also help to read comparisons like our Allstate vs. Progressive review or State Farm vs. Geico review. These break down each companys discount offerings and customer reviews side by side.

2. Improve Your Credit Score

Because having a poor credit score can make your rates go up, building good credit before you start driving is a smart way to get cheaper car insurance as a new driver. Heres how car insurance rates compare between two age groups and across three credit ratings, according to our cost averages.

Average Annual Cost for 24-Year-Old Average Annual Cost for 35-Year-Old

3. Look for New Driver Car Insurance Discounts

  • Safe driver discount
  • Vehicle safety feature discount

4. Adjust Your Car Insurance Coverage

5. Try Usage Based Insurance

Cheapest Car Insurance For New Drivers Under 25 Years Old

Lovely little car ideal for first time driver cheap insurance

Insurance for new drivers in their 20s can be expensive, but MoneyGeek found drivers under 25 can find the most savings with GEICO. Across all ages from 21 to 25, it offered the cheapest rates on average.

If you’re in your 20s and you’ve left your parents’ home, car insurance can be expensive as you’re still considered a new and experienced driver, but you can no longer be added to your parents’ policy. Click on your age to learn more about the cheapest options for you.

Cheapest Companies for New Drivers – Under 25

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How To Get Cheaper Car Insurance For New Drivers

Are you wondering how to get cheaper car insurance for new drivers? According to data from the website Quote Wizard, the average new driver pays about $397 per month or $4762 a year for auto insurance. Insurers charge more money because inexperienced drivers have more frequent accidents. Your rate will also vary based on factors such as your geographic location and the make and model of your vehicle.

Make Sure Youre Getting Discounts

Common discounts relevant to teens include good student discounts and, for college students, a student away at school discount. If the student attends school 100 miles or more away from home, without a car, you can qualify for a price break on their rates.

In addition, teen driver insurance programs can provide both a discount and valuable driving skills training. Keeping accidents off a teens record will safeguard your future rates.

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Million Refunded To Customers With Free Excess Cover^^

If you need to claim, well pay £250 towards your excess^. Just another reason to make your life choices on Go.Compare.

^Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T& Cs apply.

^^Based on Go.Compare analysis of successful claims, August 2019 – June 2022.

Change Cars Online With Carwow

Cheapest Car Insurance for 17 Year Old New Drivers

Looking for the easy way to change your car? Head over to carwow. You can sell your old car for the best price, and get a new car for a great price from our trusted dealers, all from the comfort of your sofa. Tap the button below to get started today.

Average savings are calculated daily based on the best dealer prices on carwow vs manufacturer RRP. carwow is the trading name of carwow Ltd, which is authorised and regulated by the Financial Conduct Authority for credit broking and insurance distribution activities . carwow is a credit broker and not a lender. carwow may receive a fee from retailers advertising finance and may receive a commission from partners for introducing customers. All finance offers and monthly payments shown are subject to application and status. carwow is covered by the Financial Ombudsman Service . carwow Ltd is registered in England , registered office 2nd Floor, Verde Building, 10 Bressenden Place, London, England, SW1E 5DH.

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The Delight Of Passing Your Driving Test Is Soon Tempered By The Fact You Have To Pay New Driver Rates Of Car Insurance And That Means Forking Out A Small Fortune

Insurance companies charge some of the highest rates to new drivers, as theyre judged to be high-risk motorists more likely to be involved in an accident.

Many new drivers think this most unfair, but the statistics used to calculate car insurance premiums sadly suggest otherwise. Even if you are a safe and skilled new driver, others let the side down for you.

Its therefore important for new drivers to pick the cheapest cars to insure, if they want to keep their premiums in-check. Factors determining car insurance include engine power, cost of repair and the fitment of safety-assist features. Anything, in short, to help reduce the risk of an accident.

Our guide highlights 10 cars that are certain to keep insurance prices low as new drivers build up their all-important no claims bonus. Most are small cars that are cheap to buy as well as run.

What Is Telematics Car Insurance

Many new drivers are switching to telematics car insurance. This involves fitting a black box that monitors where and when theyre driving. It records factors such as speed, acceleration, braking and other parameters. The idea is to encourage safe and steady driving, and penalise new drivers who drive more dangerously. Black box car insurance is therefore cheaper than normal car insurance, for those who dont mind being tracked all the time.

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Average Cost Of Car Insurance For First

Car insurance rates vary from state to state, but on average, first-time drivers can expect to pay anywhere from $4,759 to $8,000 per year in coverage. First-time drivers who are older than 25 could see a bit of a break in the rates, but an individuals driving experience is also an important factor when companies are quoting insurance.

Inexperienced drivers are more likely to get into accidents, either from overconfident, risky driving behaviors or from hesitation and lack of situational awareness. Looking at the average cost of insurance by age highlights the impact of this factor on a policys cost.

In the table below, we compiled a list of the average rates for first-time drivers:

Drivers Age

As you can see, the older you get the lower your rate continues to go, as long as you dont have any serious driving infractions and/or tickets on your record.

Take Advantage Of Discounts

Top 10 Rideshare Vehicles to Insure

Many insurance companies offer discounts, including:

  • Good student discount: These discounts are available at many different insurance companies, although they may vary in how they define a good student. Expect to provide proof of at least a B average.
  • Bundled discounts: If you bundle your home and auto insurance from the same company, you can often earn a 10-15% discount.
  • Defensive driver discounts: Check with your insurance company before you choose a course, as some maintain a preapproved list of defensive driver courses. You can usually get an 8-10% discount for taking these classes, but even if you dont get a discount, these courses can give you the skills you need to help prevent accidents. This makes them a good investment even if you dont get a discount.
  • Paid-in-full: If you pay your premium all at once rather than making no deposit monthly payments, you may be able to get a 5-10% discount.
  • Low-mileage: If you dont drive very much, you may be entitled to a low-mileage discount. The qualifying mileage varies from company to company. Some companies consider driving less than 7,500 a year low-mileage, and others will consider less than 15,000 miles eligible to earn a low-mileage discount.
  • Green/hybrid car discount: Driving a hybrid or electric vehicle can earn you a 10% discount.

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