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Best Car Insurance for Young Drivers

Young drivers are considered risky as they’re inexperienced on roads and often get into minor accidents. As drivers with minimum experience, their insurance premiums are always expensive. We present to you ways to get inexpensive auto insurance for young drivers.
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Best Car Insurance for Young Drivers
Young drivers need the right insurance policy at the right price. In this article, you'll learn about various insurance providers who offer affordable policies.
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Young drivers are considered risky as they’re inexperienced on roads and often get into minor accidents. As drivers with minimum experience, their insurance premiums are always expensive. But where can such drivers find the right insurance policy at the right price? In this article, you’ll learn about various insurance providers who offer affordable insurance for teen drivers at the right price.

Top 10 Best Car Insurance for Young Drivers

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

State Farm

State Farm is an excellent choice for young drivers, with over 19,000 agents in the US. 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.

Geico

Young drivers and 18-Year-Olds are showing interest to but a car, Geico is one of the most affordable premium prices for new drivers. Geico offer special car insurance discounts for 18-year-olds and new drivers who have completed driver’s education and a defensive driving course. Students with good grades in driving school and safe cars can also receive extra discounts. Young drivers can also get emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance. 

USAA

USAA Financial Services, naturally, provides the best car insurance for veterans. They are a financial solution provider for the military, veterans, and their families, offering excellent 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.

Lemonade

Lemonade is an excellent insurance provider for first-time drivers and teens. They offer quick claims and have reversed traditional insurance models, making the filing and claiming process simple and transparent. Lemonade’s insurance pricing is fast and relatively affordable for young teens.

Progressive

Progressive is a financial 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. 

Chubb

Chubb is a premium auto insurance provider with higher rates. One can visit their website to understand their needs in detail. They are less popular than other providers who specialize in affordable teen auto insurance. 

Travelers

Travelers is a cost-effective insurance provider for teen drivers. They encourage teen drivers to maintain good grades and offer reasonable rates to such drivers. Travelers also offer 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.

Auto-Owners

Auto owners are an excellent option for young drivers who seek new ways to save a few bucks. They also offer insurance to young driving students without a car and staying over 100 miles from the school. They evaluate driving background using a Teen Monitoring system, which includes GPS. 

Nationwide

Nationwide is a great 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 often, can avail of special discounts and usage-based programs to save a ton of money. Nationwide has A-plus ratings for its great deals for young drivers.

Amica

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

Conclusion

Most parents are worried about their child’s well-being. Teen drivers are a risk; most insurance providers might charge additional fees for young drivers. These drivers have less road experience and might be careless behind the wheel. Young drivers must research insurance companies and understand which insurance policy suits their needs. With detailed research and an in-depth understanding of insurance coverage, teen drivers can avail themselves of discounts and additional benefits from their policy at a discounted rate.

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 factors affect car insurance rates for young drivers the most?

Factors like driving school grades, the type of car they drive and average road experience play an essential role in determining car insurance rates in young drivers. 

Are there any discounts available to help young drivers save on car insurance?

Yes, most insurance providers offer several discounts to young drivers.

Is it better for a young driver to be alone or stay on a parent’s policy?

Young drivers should adopt 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 types of car insurance coverage are most important for young drivers?

Full coverage and roadside assistance are the two most essential coverages for new drivers. If they are on a budget, minimum coverage is still a must.

How much car insurance coverage is required by law for young drivers?

Every state has different set policy rules for drivers and their insurance coverage. However, most states demand at least minimum liability coverage for 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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