Laura Berry is a former State Farm insurance producer and insurance expert.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 19, 2021

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Important facts to know...

  • If you are a licensed young adult and you want to go for a day-long trip with a friend’s car, you can purchase a temporary auto insurance coverage
  • Temporary coverage can last between 1-30 days
  • Short term coverage may also be a good idea for you if you are a young driver looking to transition from your parent’s auto insurance policy
  • Drivers under the age of 21 years can be sufficiently covered under their parents’ policy for as long as they want
  • You can buy one-day car insurance for drivers under 21 years old, but young, inexperienced drivers will get higher quotes when looking for coverage

An insurance policy is an agreement between you and the insurance provider to provide coverage as long as you keep paying the auto insurance premium costs.

Auto insurance protects individuals from losses arising from the use and operation of a car. In the United States, you need auto insurance in addition to a driving license to drive around. Driving without either will result in some serious penalties and possible jail time.

Do all states require auto insurance?  Anyone can get a license at 16 if they pass the driving tests. You still can’t drive legally if you don’t have the necessary level of auto insurance in your state unless you live in New Hampshire where they don’t have minimum coverage.

In most cases, younger drivers will be insured under their parent’s coverage. However, one option is one-day car insurance for drivers under 21 years old.

How can 20-year-olds get cheap car insurance? Shop-comparison is your best bet when it comes to securing an auto insurance policy if you are a young driver.

If you are a parent looking to add your teenage child to your policy, contact your auto insurance provider and negotiate a deal. If the rates are too high, it’s time to start planning a switch to a better auto policy.

Learn more about one-day auto insurance, and take your time to shop around. You won’t regret it. Enter your zip code above to get started.

How to get auto insurance coverage for a younger driver?

Every parent is relieved when their teenage child obtains a driver’s license. For many parents, the constant drop-offs and pick-ups from school or elsewhere can be tedious. Being set free from this unrelenting cycle is refreshing.

However, the relief that comes tends to be accompanied by a tinge of worry, thanks to the high number of motor vehicle accidents involving young, newly licensed drivers.

According to Centres for Disease Control and Prevention, the leading cause of death among U.S. citizens between the ages of 15-19 is attributed to vehicular fatalities.

The subsequent, often exorbitant, jump in auto insurance premiums won’t do any good for your monthly budget.

Younger drivers are considered riskier drivers for insurance coverage which is why they get the highest insurance rates. Cheap car insurance for drivers under 21 is not easy to find because they are more likely to be in an accident and file a claim. Many factors such as your age, the vehicle you drive, and whether you’re on your parent’s policy will increase or decrease the average cost of insurance.

Young drivers looking for a few hours of coverage to take a long drive or to transition from their parents’ coverage can purchase temporary coverage while they wait for their policies. Temporary coverage can last anywhere between one day and a month. Affordable one-day car insurance drivers under 21 years old is available to help cover you on an interim basis, however it isn’t something you want to sign up for multiple times.

Temporary coverage can help you out on a few occasions, but it’s not convenient. The best solution is to get long term coverage under your parents’ plan or a separate policy.

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Why auto insurance rates for young drivers are high?

On average, adding your teen driver to your auto insurance policy can raise your rates by 79 percent. Getting them a separate policy would be twice as expensive.

Why are auto insurance rates for younger drivers so expensive? Here are a few reasons:

  • Their driving record is unproven. If you are young adult below 21 years old, expect higher rates. If your driving record is non-existent, one-day car insurance companies will automatically give you a higher quote.
  • They have no driving experience. Some people learn to drive a very young age but can’t get on the open road since they don’t have a license. When they finally obtain a license, it doesn’t matter for how long they’ve known how to drive, in the eyes of the insurer, you are a high-risk young driver.

The average cost of insurance for teenage drivers are also influenced by any available insurance discounts. Other factors such as your education level or credit score may also factor into your rates.

Distracted Behavior

Distracted driving behaviors account for about 18 percent of car accidents in the United States. Younger drivers are more likely to indulge in distracted behavior behind the wheel. Some of these behaviors include:

  • Drinking and eating
  • Trying to apply make-up or read a map (among other activities) while driving
  • Looking for something on the floor of the vehicle
  • Excessive talking and driving at the same time
  • Texting, tweeting and other forms of cell phone use while driving
  • Younger drivers are mostly associated with reckless driving

Young drivers are statistically more likely get in an auto accident.

Whether it’s due to recklessness, distracted driving or any other factor mentioned above, young drivers have a higher probability of crashing a vehicle.

It all boils down to the probability of filing a claim. Younger people are more likely to file a claim. The auto insurance company must protect itself from financial losses.

Auto insurers will achieve this by transferring the financial burden to this specific pool of customers through higher rates.

Gender Matters

Young female drivers will get lower auto insurance rates than their male counterparts. Male drivers under the age of 21 are statistically more likely to be in an auto accident, so the insurance carrier calculates rates based on this factor.

Adding your 18-year-old daughter to your car insurance policy will boost your rates by an average of 67 percent while adding your similar age son will lead to a whopping 92 percent upsurge in your car insurance bill.

Gender does not affect rates in certain states such as North Carolina, Hawaii, California, Michigan, Montana, Pennsylvania, Massachusetts.

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How to reduce the high cost of auto insurance for young drivers?

As a young driver (below 21 years), you will attract higher auto insurance prices, and that includes one-day car insurance rates. However, your auto insurance rates are bound to gradually shrink with each successive year behind the wheel if you maintain a good driving record.

Here are a few ways to bring your auto insurance costs down:

  • Avoid traffic violations
  • Take a defensive driving course
  • Don’t file insurance claims for small damages
  • If you have good grades, let your auto insurer know
  • Add security and safety features to your car
  • Opt for a higher deductible

Focus on improving your driving skills and avoid any infractions whether you are under your parents’ coverage or on a separate policy. And finally, when shopping for an auto policy don’t forget the basics. Drive responsibly!

Compare auto insurance rates, get one-day car insurance quotes, and save money on premiums! Use our free rate tool today to see how much you could save.