Car Insurance for Young Drivers

Young drivers from 18- 25 are always excited about hitting the road however it is important to consider car insurance for young drivers before making a move to hit the road.

Car Insurance for Young Drivers

Young and new drivers do not have it easy with car insurance, this is because they have no experience thus car insurance comes with a heavy price.

Car Insurance for Young Drivers

Car insurance for young drivers is pricey because car insurance companies consider any young driver to be risky no matter the age because they do not have driving records. Insurance companies charge high rates for young drivers under 25 because they are more prone to accidents than any other age group.

Insurance rates for young drivers get cheaper with time as insurance companies offer plenty of discounts to students. The best car insurance for a young driver will always be proportional to the driver’s individual needs, however, this article will provide some tips to help young drivers get cheaper car insurance.

Examples of Car Insurance Companies for Young Drivers

Some companies offer young drivers good and affordable rates, below are some of them:


This car insurance company is one of the top insurance companies in the US. It has very affordable rates for young drivers.

USAA is known for its distinctive customer service which has given it a good reputation as a company with excellent customer service.

Furthermore, young drivers can get very good rates from USAA which is about $500 cheaper than other companies.


This car insurance company is among the most highly rated companies in the US. It provides good services and still offers one of the lowest prices among insurance companies.

It is ideal for young drivers because of the cheap rate it offers to its clients.

State Farm

This car insurance company also ranks very high in the US. It offers amazingly low prices that are extremely beneficial to young drivers.

With State Farm Insurance companies, young drivers can pay an annual fee of $323 to $377 or less which is more than the normal average in the country.


This car insurance company is one of the companies that ranks in the US. They do not have very low rates; however, they are still very affordable.

Their rates are between $302 and 348 respectively which can still be afforded by young drivers in the United States.

American Family

Another affordable company for young drivers is the American family, they offer very competitive rates that can be afforded by young drivers.

Saving on Car insurance

Car insurance is relatively expensive for young drivers, however, there are still ways to save while on the policy.

Young drivers can save on car insurance by following some of the tips listed below:

Stay with Family

the best way to save on car insurance is to be added to the insurance policy of your guardian or parents. This usually saves a lot of money and works easily when you share the same address with them. It costs less to stay with your family insurance.


if you do not wish to stay with your family you can choose a company that offers discounts. Some companies offer discounts based on factors like:

  • Good student discount
  • Defensive driving course discount
  • Student away-from-home discount
  • Multi-policy discount
  • Safety equipment discount
  • Occupation discount
  • Military Discount

Choose the Right Car

to save on your insurance, ensure you choose the right car, some cars make insurance less expensive. Below are some of them:

  • Austin Mini
  • Rover Mini
  • Volkswagen up
  • Seat Mii
  • Seat Arona
  • Mazda CX-5
  • Volkswagen T-Cross
  • Skoda Citigo
  • KIA Stonic

Choose the best Insurance types and coverages

Young drivers must ensure they choose the right type of coverage. Different states have their coverage requirement. Some of the coverages include:

  • Liability Insurance
  • Collision insurance
  • Comprehensive insurance
  • PIP and MedPay
  • Underinsured and uninsured policy

Choose the right Deductible

deductible refers to the amount you are to pay if your coverage cannot meet up with your claim. Ensure you choose the deductible you can afford to pay.

Do not get tickets

as a young driver, it is important to get very good records which will not be possible if you keep violating the law and getting tickets. You will also find it difficult to save.


What type of Car Insurance Coverage is best for Young Drivers?

the best car insurance coverage for young drivers is liability coverage, it is required in most states and can be hardly avoided.

This insurance type helps to pay damages caused by young drivers in an accident. Another car insurance type that suits young drivers is collision coverage because young drivers are inexperienced and can collide with things easily.

When Can Young Driver’s Rate Decrease?

As earlier said, young drivers usually have their rates extremely expensive this is a result of their inexperience in driving.

Their rates can however decrease as they get older and get more experience, mostly from the age of 25 young drivers’ rates are supposed to decrease.

What Is the Best Solution to the Young Driver’s High Rates?

The best way to get out of the high rate is by adding the young driver to their parent’s or guardian’s already existing insurance policy.

This works easily so long they share the same address; this is cheaper than getting them their insurance policy.

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