Why is cheap young drivers car insurance so hard to find?

Auto insurance for young drivers is so expensive because drivers under the age of 25 get into more accidents than any other age group. Teenagers also suffer from a lack of maturity that can lead to riskier behavior on the road, which makes cheap young driver car insurance so hard to find. We can make it easier with free young driver auto insurance quotes. Enter your ZIP code below to start comparing young driver car quotes form local companies for free.

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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 30, 2020

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Younger drivers tend to have a harder time finding insurance that is affordable. Unfortunately, they have little control over how much they pay for insurance. Cheap young drivers car insurance pose more of a risk due to their inexperience behind the wheel. Check out cheap quotes by using our FREE car insurance search tool; get started by entering in your ZIP code!

Younger Drivers Cause More Accidents

Drivers under the age of 25 get into more accidents than any other age group. This is mostly attributable to their inexperience when it comes to driving. Excessive speed, cell phone use while driving and inexperience with bad road conditions make it easier to get into a crash.

Teenagers also suffer from a lack of maturity that can lead to riskier behavior on the road. All of these factors lead to an increased number of accidents. Posing a significant risk of getting into an accident will cause car insurance rates to go up.

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Reckless Behavior Leads to More Tickets

Driving faster than the posted speed limit is an easy way to get a ticket. The penalty can be quite severe if you are going too far over the speed limit. Some states call for a suspension of your license if you are going more than 20 miles per hour over the posted speed limit. Other reckless behaviors that can cause you to get a ticket include:

  • Driving While Under the Influence of Alcohol
  • Talking On A Cell Phone
  • Disobeying Posted Traffic Signs

Driving while under the influence of alcohol can lead to an immediate revocation of your license. The chances of this increase if you are under the age of 21. Insurance rates are going to skyrocket each time you get a DUI.

Most drivers who have been convicted of a DUI must carry SR-21 insurance. SR-21 insurance is a policy that you need even if you are driving another vehicle. This means you have to pay for insurance just to drive a car again.

Consider getting a hands-free device that will allow you to use your phone without taking your focus off the road. A distracted driver is a dangerous driver.

 Finances Tend to be Tight With Younger Drivers

Your credit score has an impact on your ability to get a good rate on car insurance. Younger people tend to face an uphill climb when it comes to their credit. Some factors that get in the way of a good credit score include:

  • No Credit History
  • Limited Credit Mix
  • Low Amount of Available Credit

All of these factors are going to make it harder for a younger person to have a good credit score. A driver who is in high school may not even have a debit card yet. College students may only have student loans that they are not even repaying yet.

Most young people are not going to be eligible for a high balance on any credit card that they do open.

Income levels are also going to be lower for younger drivers. Lower income levels make it harder to qualify for increased lines of credit. This just pushes the credit score for a younger person to an even lower level.

Younger people may also be irresponsible when it comes to paying off whatever debts they do have. Paying your bills on time could help you get lower rates on your next car insurance policy.

Younger Drivers do not Qualify for Some Discounts

Many discounts that are available for older drivers are not going to be available for younger drivers. This is a big reason why younger drivers cannot find policies that are reasonably priced. Most young people are not going to be able to bundle their auto insurance policy with any other policy.

This is because most drivers under the age of 25 may not have an apartment that requires renters insurance. Homeowners insurance is another policy that they probably do not have. Life insurance is something that most young people are probably not even thinking about.

However, are there any discounts that younger drivers could qualify for? A few common discounts younger drivers could qualify for are:

  • Good Student Discount
  • Driver Education
  • Defensive Driving Classes

Getting good grades in school will show the insurance company that a driver is generally a responsible person. Taking driving courses will show that the driver has made an extra effort to learn the rules of the road. A knowledgeable driver tends to be a safer driver.

Each of these discounts could save you up to 10 percent off your car insurance policy. Another advantage to taking driver education courses is that it could help you reduce whatever deductible that you have on your policy. A lower deductible is going to save you money in the event of an accident.

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Young People do not Shop Around

It is generally thought that you do not start to save on your insurance policy until you turn 25. This could discourage many drivers under the age of 25 from comparing different insurance quotes.

Never assume that you cannot save money on car insurance before you turn 25. Each company is going to have different criteria as to how they price your policy. Some companies may qualify you for discounts regardless of how old you are.

Finding affordable insurance as a young driver can be quite challenging. Several factors are working against you in the search for cheaper insurance. The key is to lower your perceived risk as much as possible.

Take defensive driving classes, maintain a good driving record and start building your credit history. All of these steps are going to allow you to find cheaper rates as time goes by.

Shopping around for the best rate is always something that you should consider doing. There could very well be an insurance company that is willing to give you a good rate regardless of your age.

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