How to Find Cheap Car Insurance for Young Drivers

How to find cheap car insurance for young drivers starts with a quick comparison shop online. Enter your ZIP code below to compare free insurance quotes from multiple local companies to find cheap auto insurance for young drivers in your family. You may consider adding a young driver to your existing policy to keep car insurance rates low. Learn more.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 31, 2020

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Parenting a teenager can have many challenges especially when they start driving. While it is necessary to make sure they are covered with automobile insurance, parents do not want to spend a fortune on top of the insurance they already have for themselves. In this world of rising costs, finding cheap car insurance is not easy. Using the internet can help you find cheap car insurance.

Every company needs to make money and insurance companies are no exception. Added to that is the unwillingness of most companies to insure a person with no previous driving record at a reasonable cost. However, there a few ways to save on the costs of insuring a young driver. Check out our FREE car insurance search tool by entering in your ZIP code!

Encourage Good Grades

Nearly all car insurance companies look at a student’s school record. They offer substantial discounts for those that keep their GPA above 3.2. Since rates do not normally go down significantly until a person reaches the age of 25, this grade average can benefit both high school and college students. Parents can work with their high school students in particular to keep boundaries around their time and outside commitments so they can devote themselves to the best grades possible.

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Stress the Importance of Safe Driving

Most parents put their teens through a driving course of some kind. However, it is essential that students realize the effect one traffic violation can have on their record and on the cost of insurance. While it may seem extreme to parents who wish to give their children everything they desire, it may help a young driver to realize that if they do not drive safely the parent simply will not pay for their car insurance.

A more positive way to approach it may be to tell a child that the parent will cover up to a certain amount of insurance. Anything above that amount that may be added due to poor driving can come from the student’s pocket.

To save even more on premiums, a parent can enroll their child in a defensive driving course.

While this gives a new driver valuable experience, it also causes insurance companies to be willing to give an extra deduction.

Investigate All Options

Sometimes people do not take advantage of all the options they have when it comes to insurance discounts. A parent can find out from his agent what kind of discounts are available for security or limited usage. For example, some insurance companies give deductions for keeping the car in a locked garage or installing an anti-theft device on the car. It may also be possible to receive a discount if the student will not drive during certain hours such as after dark when accidents may be more likely to occur.

Insure a Lower Cost Vehicle

Although many teens have a dream of a sports car or other status symbol as a vehicle, the truth is they need a lower cost car on which to learn the craft of driving. Insurance companies charge more for certain types of vehicles, so it is important for a parent to do his homework before purchasing a car for his young driver. An older car that runs but does not necessarily have aesthetic appeal may be a good choice.

The premium will be lower if it is a cheaper car, however it may be possible to decrease the type of insurance as well. If a car is cheap enough that it can be paid for outright in the event of damage caused by an accident, it may be only necessary to get liability coverage or fire and theft rather than the pricier comprehensive insurance. Of course, any car with a payment will need to be insured with comprehensive coverage. A parent also must to be sure to have enough coverage to pay for the unfortunate but possible event of injury to his child.

Although parents can help to lower costs in these ways, it is still imperative to find the company that offers the best rates for their young drivers.

Comparison shopping is helpful. Many sites can help with comparing quotes from various auto insurance companies. Here are a few of the top companies that offer lower rates for young drivers:

  • Coverbox

Coverbox car insurance is not a particular company but a method of insurance catering to younger drivers. Younger drivers naturally are more risky. They provide a free tracker that not only helps them locate the car if it is stolen but also allows them to track data about the driver’s mileage and times he drives. This information is available for the driver to see on his own personal website aptly named his dashboard. In this way, he can see what he can do to decrease premiums.

  • Insure Spot

This auto insurance comparison site claims to help young drivers save up to 35% on premiums. In addition to free quotes from various insurance companies in an area, this site provides many helpful articles to guide parents and their young drivers in choosing the best type of insurance for their needs.

  • Progressive

Progressive is a well-known insurance company. They make it convenient to check not only their own rates but those rates against the rates of other companies. By entering some basic information on their site, parents can find Progressive’s quote and a few of the other top companies in comparison to Progressive for their individual data.

It is estimated that a young driver will cost between $3,500 and $13,500 to insure each year. These tips and sites will help a parent to keep those premiums on the lower end of the spectrum while giving her child the chance to learn one of the most basic skills in modern culture. Knowing a child can navigate better down the road of life makes paying those premiums just a little easier. Get started now by entering in your ZIP code and receiving FREE car insurance quotes!

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