Who has cheap car insurance for young drivers?

Cheap car insurance for young drivers can be hard to find, but there are many car insurance companies that offer discounts to make auto insurance for young drivers more affordable. Compare cheap auto insurance quotes in your area by using our free online calculator below to find out which local companies offer cheap car insurance coverage for young drivers.

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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 29, 2020

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Cheap car insurance for young drivers can be hard to find but there are many car insurance companies who offer discounts to help make car insurance for young drivers cheaper. If you need auto insurance as a young driver then its best to start learning about car insurance before buying a car.

How can I get lower car insurance rates as a young driver?

The best way to maximize your savings is to learn about car insurance discounts for young drivers and do your best to find an auto insurance company who offers multiple ones. Some of the most common auto insurance discounts for young drivers include:

Good Grades Discount

This usually applies to all young drivers under the age of 25 and enrolled in school. Students with either a B average or 3.0 GPA or higher can usually benefit from the good grades discount. The amount of savings will vary from one provider to another but the good grades discount is certainly one of the bigger discounts around

Low Mileage Discounts

If you own your own vehicle then always calculate the estimated annual use of the vehicle. If you take other means of transportation to school or use the vehicle mainly for recreational purposes than its possible to qualify for a low mileage discount if your total annual driving is less than 7.500 miles a year. Although not all car insurance companies offer this option its certainly worth exploring as the low mileage discount can save up to 30% or more depending on your overall profile.

Have your Parents add you as a driver

Waiting to buy your own vehicle is certainly a less expensive way to get car insurance. You not only save on car loan payments but also have a chance to be added as an additional driver to your parents policy and forgo the high cost of young drivers car insurance as a primary driver. Although there are limitations to use, residency and other factors a lot of young drivers still opt to become an additional driver for far less than the cost of a stand-alone auto insurance policy.

Take a Defensive Driving Course

This is always a good option but it does not always lead to lower car insurance rates. Many auto insurance companies only apply a small discount for young drivers who have completed a defensive driving course and even then the course usually has to be on  approved list which can vary from one insurance provide to another.

What car insurance companies have the best rates for young drivers?

Although car insurance comparison is critical to finding the best rates you may want to focus on the big brands as a young driver as most offer young drivers car insurance discounts but more importantly, you want coverage from the most reliable providers around as who is kidding who – you simply don’t have the experience behind the wheel yet and are a higher risk driver. You may also want to check your school and see if they have any affinity group discounts as much like credit card companies many car insurance companies try to earn your business while in school and offer affinity discounts to certain organization and schools.

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