Best Cheap Car Insurance for New Drivers
Car insurance for new drivers can be expensive. Understanding the factors that affect car insurance rates such as your driving record, where you live, and how much you drive can help you find the best car insurance rates for your young driver. If you use comparison shopping, you’ll be able to save money and find the best car insurance for first-time drivers.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Mar 21, 2022
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- Major factors can influence your car insurance rates including your driving record, where you live, and how much you drive
- Because young drivers are inexperienced, insurance companies consider them a greater risk
- Comparison shopping, safe drivings habits, and taking advantage of available discounts will help new drivers find the best car insurance rates
While it’s true that insurance for new drivers will cost more than insurance for seasoned ones, there are still ways to save money. We’ll show you more about what factors influence car insurance rates for young drivers and the best ways to get cheaper rates. Read on to find the best cheap car insurance for new drivers.
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Best Auto Insurance for New Drivers
Whether you are a brand new driver or if you have waited until later in life to obtain your driver’s license for the first time, new driver insurance may be costly. We’ve compiled a list of the best auto insurance companies for new drivers with discounts to help you keep down costs for car insurance rates.
| Insurance Company | Average Monthly Premium | Discounts |
|---|---|---|
| State Farm | $577 | Good student discount Student away at college discount Defensive driving discount |
| Erie Insurance | $311 | Youthful driver discount Driving training discount Multi-car discount Multi-policy discount |
| Nationwide | $539 | SmartRide Program discount for safe drivers Good student discount Multi-car and multi-policy discount |
| Progressive | $772 | Teen student discount Good student discount Distant student discount Pay in full discount |
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At any age, finding strategies to save money is essential. On average, a teen driver can pay anywhere from $300 to over $1,000 per month for auto insurance. Make sure to shop around to get quotes from several different car insurance companies to find the most affordable coverage to fit your needs.
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What factors affect the cost of car insurance?
Three main factors influence the cost of auto insurance rates. These factors include your driving record, where you live, and how much you drive. Here is more info about each of these elements.
Your Driving Record
Insurance companies feel you’re more likely to get into an accident if you’ve had previous traffic violations. As a result, drivers with the best driving histories receive the best auto insurance rates. You are considered a “good driver” and will qualify for the best car insurance rates if you haven’t had any minor traffic violations (like speeding tickets) in the last three years or severe violations in the previous five to seven years.
Where You Live
If you’ve ever requested a car insurance quote, you’ll note that one of the first questions on the form is your address. This is because your location has a significant impact on the cost of auto insurance. Insurance companies consider the frequency of claims, crime rates, road conditions, climate and weather, and other location characteristics when setting auto insurance prices.
How Much You Drive
Auto insurers also consider how you utilize your vehicle when determining your rates. For instance, if you commute to work or school, you will most likely travel during peak traffic hours and your car will be more expensive to insure. Your predicted yearly mileage indicates how much time you spend on the road and, as a result, how likely you are to be involved in an accident.
Why does auto insurance cost more for young drivers?
Insurance companies know that more experienced drivers are less likely to get into an accident on the road. Statistics show that young drivers get into more accidents, so they pay more for insurance. First-time drivers can expect to pay more for car insurance than other drivers.
Here are the major contributing factors for high insurance rates for new drivers:
- Young drivers have an unreliable record.
- Young drivers lack experience.
- Young drivers are more reckless.
- Young drivers engage in more distracted driving.
Young drivers face higher insurance premiums than their older counterparts for the reasons listed above. Still, by comparing policies, you can save money and find the best cheap car insurance for new drivers.
Auto Insurance Rates by Age and Gender
Here’s what you can expect to pay on average for car insurance based on age and gender:
- Married 60-year-old female average rate is $187/month.
- Married 60-year-old male average rate is $192/month.
- Married 35-year-old male average rate is $204/month.
- Married 35-year-old female average rate is $204/month.
- Single 25-year-old female average rate is $225/month.
- Single 25-year-old male average rate is $241/month.
- Single 17-year-old female average rate is $630/month.
- Single 17-year-old male average rate is $752/month.
The average monthly automobile insurance payment in the United States is $86, although it varies depending on your driving record, credit, and other criteria. You can work on improving your driving record, credit reports, and type of car purchased to ensure you get the cheapest car insurance rates for new drivers available.
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Finding the Best Insurance Rates for New Drivers
For first-time drivers, the cost of auto insurance can be twice or even more than the typical rate. If you need auto insurance for a new driver in your family, you can find the best insurance rates by comparison shopping from top insurance companies in your area.