Car Insurance for Young Drivers
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UPDATED: Oct 18, 2021
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Where is the cheapest place to find car insurance for young drivers? Car insurance shopping can be a hassle at times but it doesn’t need to be. There are more options than ever before, which often translates into better coverage and lower prices for drivers who previously lacked access to great a great auto insurance company.
Young drivers are in a class of their own when it comes to providing for their car insurance needs. Their age, whether or not they are in college, and their employment status all play a role in determining their costs and coverage limits. Teens and young adults automatically pay more to be legal on the road. If you’re savvy and take advantage of all the discounts, you won’t pay nearly as much as you think. Teen drivers can take defensive driving classes and get discounts for good grades. Many telematics programs that track key driving behaviors can also lower your teen’s rate if they drive responsibly during the 90 day tracking period.
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Are teen drivers covered driving their parents’ car?
It’s not uncommon for young drivers to get their licenses between the ages of 16 and 18. Kids of this age are most likely still in high school and possibly working a part-time job as well. Since these young drivers will be using their parent’s cars in most cases, the existing policies will probably cover them up to age 18. If your teen is living with you and will have a license, you will need to formally add them to your policy. It’s not uncommon for policy premiums to double with just one teen driver. Just keep in mind, this is an opportunity for many families to reassess their insurance. Get quotes from different companies for liability, comprehensive coverage, and more, and see who gives you the best deal on insurance for teens.
What happens when teens go to college or otherwise leave the house after age 18? When a teen leaves home, they won’t be on their parents’ policies in the same way. Insurance policies group together people who are in the same household and might reasonably be expected to drive the same cars. If a teen is still near home, parents may keep them on the family plan. If your teen is crossing the country for school and planning to have their own car, they’ll need a separate policy.
If you are a parent with a young driver, or a soon-to-be one, there’s no need to panic. A simple phone call to your insurance provider will get your child’s name added to your policy. When it’s time for him to strike out on his own, another phone call will get him removed.
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How much does insurance for teens cost?
If you’re a young driver, it’s important for you to understand that your age group (16-25) represents some of the highest risk for car insurance companies; males more so than females. For this reason, your rates will be considerably higher than what your parents pay. You need to be all the more careful when shopping for quotes.
If you’ve never lived away from home before, you may also be shocked at how much your own car insurance policy costs. Car insurance for young drivers can easily add up to $500 or more every six-month policy cycle. That’s only as long as you keep a clean driving record. So it pays to behave behind the wheel.
Most major insurance companies offer monthly or bi-monthly payment options; some even go weekly. That helps a great deal if your income is on the lower side. Just make sure you don’t miss a payment, because lapsed insurance could mean a license suspension for 30 days or longer. If you have to find a new policy after your current policy lapses, insurance costs also go up. Insurance companies now view you as a greater risk because you didn’t maintain your previous insurance plan.
How can young drivers find affordable car insurance?
Parents of young drivers are instrumental in making sure their kids get off on the right foot when it comes to driving. Safety is a big concern, which is why we try to teach our children to adopt and practice safe driving principles. But parents, did you know that those types of things can translate into lower car insurance premiums?
Insurance companies base rates on risk; we’ve already covered that. You can help reduce the risk your child poses in several ways. First, have him take a defensive driver course and Driver’s Ed at his local high school. Insurance providers love these courses and will reward you with lower insurance premiums.
Next is a student discount for your kids who are doing well in high school or college. The reasoning here is that well performing students, especially those in college, are already acting in a more responsible way just to keep their grades up. If they are responsible with their education they are more likely to be responsible with their driving. Many insurance companies even offer good student discounts for high school and college students. Before signing up, make sure you know what the GPA requirement is.
The last suggestion to help reduce the cost of car insurance for young drivers is to get multiple quotes. While many parents lean towards cheaper cars for teen drivers, this doesn’t always decrease your average costs as much as you might think. Older cars are cheaper to replace, but they also have fewer safety features, which can drive up your average costs. Insurance companies offer discounts for safe cars in the same way they offer a safe driver discount. When you compare different insurance companies, you can see who is offering the lowest price.
As teens turn into more experienced drivers, rates will gradually drop. Collision coverage, in particular, will drop assuming you keep a clean driving record along the way. If you’re looking for cheap car insurance, you might be surprised what you can find with a little research.
Whether you’re just adding a teen driver or if you’re reassessing your options, you can find cheap car insurance that meets your needs and easy insurance quotes.