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Best Car Insurance for New Drivers

Each state has its own set of rules for car insurance. This article will inform you about the best car insurance for new drivers, and factors you need to consider if you’re mulling one.
Best Car Insurance for New Drivers
While insurers don't offer special car insurance for teen drivers, they might charge a slightly higher premium. The coverage is based on driving experience, and as teen drivers lack experience behind the wheel, they might have to pay more. Read to know more.
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Each state has its own set of rules for car insurance. While insurers don’t offer special car insurance for teen drivers, they might charge a slightly higher premium. The coverage is based on driving experience, and as teen drivers lack experience behind the wheel, they might have to pay more. This article will inform you about the best car insurance for new drivers. Read on

Top 10 Best Car Insurance for New Drivers

Here are the top ten best car insurance providers for young drivers in the US. Let’s have a look at them:

Geico

GEICO offers one of the most affordable insurances for new and first-time drivers. They provide special discounts for completing driver’s education and defensive driving courses. Students with good grades and safe cars can also get extra discounts. GEICO also offers emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance.

USAA

USAA Financial Services is a financial solution provider for the military, veterans, and their families. They offer great customer satisfaction and the cheapest insurance premiums for military families. However, USAA doesn’t have a network of local agents. Contact them over the phone or create an online profile to get the right insurance policy. 

Erie

Erie is an auto insurance provider famous for its quick claims processing. It works through a network of independent agents and has an A-plus rating for its extraordinary financial services. Erie is also customer-friendly.

Nationwide

Nationwide is an insurance provider with a great selection of discounts. A “B” average driving school grade is an excellent start to getting affordable rates. Young drivers who do not drive can avail of special discounts and usage-based programs to save money. Nationwide has A-plus ratings for its great deals for young drivers.

State Farm

With over 19,000 agents in the US, State Farm is an excellent choice for young drivers. They provide exceptional roadside assistance and cover fuel delivery, locksmith, and towing services. Their annual premium for full coverage insurance is about $1,480, which is quite affordable for teen drivers with no driving history.

Farmers

Farmers is a popular auto insurance provider. Farmers offer discounts and special programs for young drivers to ensure affordable insurance premiums. It also provides additional benefits and roadside assistance services for drivers, and such add-ons are available at marginal costs.

American Family

American Family is a great insurance provider for this fast-growing generation of teens. They offer quick claims and reverse traditional insurance models. They have a simple and transparent insurance filing and claiming process. American Family Insurance pricing is relatively affordable for young teens.

Allstate

Allstate is a popular auto insurance provider in the US. They offer various coverage options for ATV, motorcycle, and auto insurance. Customers can connect with their agent to find suitable coverage within their budget. Allstate also offers additional add-ons and quick access to funds. 

Progressive

Progressive is a great financial solution provider offering a great mobile application for paying bills, viewing policy details, and calling roadside assistance. Their detailed website offers in-depth knowledge about the company’s products and services. Progressive offers some discounts to high-rated drivers. 

Travelers

Travelers is popular for providing car insurance for 18-year-olds and teen drivers. They encourage teen drivers to maintain good grades and offer reasonable rates to such drivers. Travelers also offers accident forgiveness and new car replacement programs while keeping coverage reasonable. They are a popular insurance provider for affordable coverage add-ons for high-risk teens.

Conclusion

Car insurance is a costly affair for all-age drivers. However, most insurance providers feel there is a risk for teen drivers because of their lack of experience. Also, teens tend to boast and fancy expensive non-practical cars, which can be unsafe. These factors might result in higher insurance premiums for young and new drivers. Always consider factors that might affect car coverage rates and buy them smartly to save money.

Also, check out Beem for personalized auto insurance quotes from the industry’s leading insurance providers and get up to 40% off on your preferred coverage.

FAQs

What type of car insurance coverage is most important for new drivers?

Full coverage and liability auto insurance coverage are the two most important factors. Minimum coverage is a compulsory requirement if the driver is on a budget.

How much more expensive is car insurance for new drivers?

Full coverage insurance is among the most expensive car insurance for new drivers. 

What discounts can new drivers qualify for on car insurance?

Many insurance providers offer discounts on annual premiums and free benefits added to their insurance coverage. 

Is it better to get my car insurance policy or stay on my parents’ plan?

Young drivers should take a policy on their parents’ behalf, as it is safer for insurance companies. They might offer additional discounts or add-on services to such drivers.

What factors will affect the cost of my car insurance as a new driver?

Various factors affect the cost of car insurance policies for new drivers. Factors like driving school grades, the type of car they drive, and average road experience play an essential role in determining car insurance rates among young drivers. 

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Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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