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New drivers pay significantly more for car insurance than experienced drivers, but some companies still offer great prices and comprehensive coverage.
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We at the Guides Auto team will give you an overview of what new drivers can expect to pay for car insurance, who qualifies as a new driver and what factors determine the cost of an insurance policy. Our experts have analyzed and ranked the best auto insurance companies in the industry, and we recommend comparing providers to find the best rates.
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There is no specific car insurance policy for new drivers. Each state sets its own minimum auto insurance requirements, and auto insurance for new drivers will look the same as any other driver’s policy. While a lack of driving experience does not change how much insurance you need, it will affect the price.
You will be required to purchase at least your state’s minimum required coverage, which typically includes bodily injury and property damage liability auto insurance. Some states also require uninsured/underinsured motorist coverage and personal injury protection. Below are the six standard types of car insurance.
As a new driver, there are several factors that can affect the specific car insurance rate you will pay, including your location, vehicle, driving record and credit history. Age and driving experience are two factors that insurers weigh heavily, because they are key indicators of how likely a driver is to get into an accident.
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$5,827 per year or $486 per month. Rates are higher for new drivers, especially teenage and younger drivers, which are highlighted in the table below:
* The rate averages above are given for teenage and young drivers, which are among the most common groups represented for new and inexperienced drivers.
Below are some popular providers’ average annual costs for full coverage insurance for a 25-year-old with good credit and a good driving record.
As the table above shows, USAA and Geico tend to provide the cheapest rates for new drivers on average. We found that 25-year-old drivers who qualify for coverage through USAA pay an average of $1,292 per year or $108 per month for a full coverage auto insurance policy.
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New drivers can pay as much as $3,000 a year or more for car insurance, depending on the company. New drivers are more expensive to insure because of the lack of a driving record. Younger drivers are more likely to be in an accident, which also increases car insurance rates.
Part of the reason insurance companies raise rates for younger drivers is the increased likelihood of an accident. Car accidents are the second leading cause of death for teenagers in the US. US, according to the Centers for Disease Control and Prevention. Additional reporting from the Insurance Institute for Highway Safety shows that nearly two out of three teenagers killed in crashes in 2020 were male.
The best way to ensure that you get the lowest possible rates as a new driver is to reach out to multiple providers for auto insurance quotes. Car insurance companies consider a number of factors when providing estimates for coverage. Some focus on the auto policy itself, but many others have to do with a driver’s demographics and driving record.
There is no one surefire way to find the best price for car insurance, but there are a few things you can do to get a lower car insurance premium. We recommend using the following strategies when purchasing auto insurance for new drivers.
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No two insurance companies will give you the same price. Taking the time to compare car insurance quotes will give you a basic idea of what you can expect to pay when you add someone to an existing policy – or how much you could save by switching providers.
When deciding between two companies, it can also help to look at comparisons like our Allstate vs. Progressive Review of State Farm Vs. Read Geico review. It splits each company’s discount offers and customer reviews side by side.
Because a poor credit score can raise your rates, building good credit before you start driving is a smart way to get cheaper car insurance as a new driver. Here’s how car insurance rates compare across two age groups and across three credit ratings, according to our price averages.
Some car insurance companies offer discounts for young drivers and students, but you can also save money in other ways. Bundling policies like homeowners insurance with your auto coverage can lower your premium, so check if your insurer offers a multi-policy discount. Here are some common discounts offered by insurance providers:
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If you want to save and have a new driver on the road, adjusting your current auto policy can get you a better rate. Opting for a higher deductible usually results in lower premiums, but it means you pay more upfront when you file an insurance claim.
Another option is to drop coverage you don’t need. If one of your cars is older and you own it outright, you can probably stop paying for collision insurance and comprehensive coverage. In most states, you will still have to pay for liability insurance if you decide to drop the remainder of your full coverage policy.
Also known as pay-per-mile insurance, usage-based auto insurance coverage measures driving behavior and mileage and uses that data to set rates. By tying the monthly bill to actual time on the road and good driving habits, usage-based insurance policies typically cost customers less than traditional auto insurance, according to the National Association of Insurance Commissioners.
Usage-based policies may not be available in every state. They’re also not a good option if you drive often or have a long commute, and people with poor driving habits can actually see their rates go up.
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Although teenage drivers may be the first group that comes to mind when you think of new drivers, there are several types of drivers who are getting their licenses for the first time. Here are some examples of people who might be considered new managers:
Because car insurance costs vary from person to person, there are tips for new drivers that are specific to each of these groups. In the sections below, we look at some of the details of getting car insurance for each group.
It can be exciting for a teenager to start driving on their own for the first time, but the cost of car insurance for new drivers is typically high. As mentioned, age is one of the main factors that insurance companies consider when calculating prices.
Usually, the best way for young drivers to get cheap car insurance is to stick with their parents’ policies. Car insurance companies usually offer families several discounts to save money on insurance coverage, including:
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Young drivers cannot buy their own policies unless they own their own cars and no longer have the same permanent address as their parents. Keep in mind that drivers under the age of 25 usually pay much higher rates. Adding a young driver to an insurance policy will still increase your premiums significantly, but the amount will depend on your insurance company, the vehicle and where you live.
Teenagers aren’t the only ones driving for the first time. A person of any age, who has lived in a large city and mainly relies on public transportation or who has not had the means to buy a car, can also be considered a new driver. Fortunately, even though you may not have experience on the road, if you are over 25, you may see lower rates than a teenage driver.
If you’re an older first-time driver and live in an area with public transportation or you don’t plan to drive much, there are alternatives to traditional insurance, such as usage-based insurance (which we’ve discussed above).
Immigrants and foreign nationals can be classified as new drivers when they first enter the US. This is because car insurance companies usually check domestic driving records, so you can have a clean driving record in another country and still be considered an inexperienced driver after you move to the States.
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Being an immigrant can make buying car insurance more difficult. Many car insurance companies will reject applicants who do not have valid driver’s licenses. Depending on where you live, you may still be able to get a permit if you don’t have the proper government papers.
According to the National Conference of State Legislatures, the District of Columbia and the 16 states below allow undocumented immigrants to obtain a driver’s license if they can produce items such as a foreign birth certificate, valid foreign passport or proof of in-state residency.
New managers can expect
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