What is the cheapest car insurance for young drivers?

You might be having a hard time finding the cheapest car insurance for young drivers because they are among the riskiest drivers to insurance. Auto insurance for young drivers comes with some of the highest rates due to their inexperience behind the wheel. Get cheap quotes for teen car insurance with our free quote comparison tool below so you can find the most affordable coverage.

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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 24, 2020

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In a nutshell...

  • Young drivers usually pay for car insurance
  • Completing a driving course and earning good grades can lower your monthly premiums
  • Avoiding accidents and speeding tickets can also help lower your car insurance rates

Car insurance for young drivers is often expensive and sometimes it can be very challenging to find affordable coverage.

As a teenager, you probably look forward to the day of graduating with a driver’s license in hand. Sadly your parents surely are not looking forward to the auto insurance bill.

While car insurance rates for young drivers can seem extremely high at first there are many things you can do to help lower the cost of young driver car insurance premiums.

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What car insurance companies have the best young driver car insurance rates?


When it comes to the auto insurance industry its just almost impossible to title any single auto insurance company as the best for young drivers.

Every market has many options, and a lot of providers offer very good coverage at reasonable rates.

You should learn about the insurance needs of your family then start a car insurance comparison search.

Young driver insurance is a very competitive market.

Some auto insurance companies offer many types of discounts which can help with cheaper car insurance rates.

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How are premiums calculated?

Auto insurance premiums are based on risk and every young driver has a unique profile so although a bulk of the premiums will be based on the age of the driver there are other factors, which contribute to the final premium rates.

Some of the variables auto insurers use to calculate young driver premiums are:

  • Where you live
  • Gender
  • Previous driving record
  • Make and model of the insured vehicle
  • How the vehicle will be used
  • What types of coverage
  • Young driver’s GPA
  • Driving school completion

Car insurance discounts for good grades are not offered by all auto insurers and discounts for any driving school courses vary by insurer.

Many times a driving school completion certificate only qualifies for a discount if it’s from a list of approved driving schools by the car insurance company.

Remember that every driver is unique and while your friends may get quickly approved with Progressive or Geico it may take a couple more phone calls to find affordable car insurance for you.

This is perfectly normal so have some patience and focus on getting the best young drivers car insurance at the most affordable rates.

Can young drivers take advantage of any car insurance discounts?

All young drivers are eligible for car insurance discounts but it just depends on the auto insurer and what discounts they offer.

While your age is used against you to assess risk, it doesn’t preclude any eligibility for discounts as long you meet the discount requirements.

Some of the most common auto insurance discounts for young drivers include:

Young drivers are at high risk for a reason as they are still learning the rules of the road so it’s important to have a solid car insurance policy in place.

Before comparing rates, learn about the different types of car insurance coverage. Once you have some general knowledge then speak with a car insurance agent about rates.

Never think of buying auto insurance as a quick purchase but as one of your first adult decisions so spend the time and secure the right amount of coverage at the most affordable rates!

Ready to get started? Enter your zip code below to compare car insurance companies today!


  1. https://www.allamericandrivingschool.com/adult-training.html
  2. https://www.progressive.com/
  3. https://www.nationwide.com/good-student-discount.jsp

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