Cheap Car Insurance For New Drivers – Andrew Hurst Andrew Hurst Senior Editor and Motor Insurance Specialist Andrew Hurst is Senior Editor and Licensed Motor Insurance Specialist at . His work has also been featured in the New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin and Property Casualty 360.
Anna Swartz Anna Swartz Senior Editor and Auto Insurance Expert Anna Swartz is the senior editor and auto insurance expert at , where she oversees our insurance coverage. She was previously a senior writer at Mic.com as well as an associate writer at The Dodo.
Cheap Car Insurance For New Drivers
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The cheapest car insurance for new drivers depends on whether they join an existing policy or buy their own cover. On average, GEICO is the best low cost company for new drivers who are involved in a family policy. State Farm is the best choice for new drivers who choose to get their own coverage.
Car insurance for new drivers can cost thousands of dollars more per year than insurance for more experienced drivers. However, new drivers can still get cheap insurance by comparing quotes from multiple companies and factoring in mileage or usage coverage.
Pay Less For Car Insurance For Teens & New Drivers
There isn’t necessarily one definition of who insurance companies consider to be new drivers. For insurance purposes, teenage drivers are not the only members of this group. Instead, “new drivers” can be anyone who:
Despite their inexperience, new drivers do not need to obtain a special type of new driver’s car insurance to meet their state’s insurance requirements. The only difference for new drivers is that their insurance will be more expensive because they don’t have a license yet.
If you are what insurance companies consider a new driver, the process of buying car insurance will be the same for you as it is for experienced drivers. You can still get coverage from reputable companies.
New teen drivers will have the best luck adding to an existing family policy, while adults with new driver’s licenses may need to purchase their own insurance.
Cheap Car Insurance For New Drivers Over 25
However, finding your own car insurance can be difficult for some new drivers. It’s more expensive and insurance companies don’t always allow new licensed drivers to fill out an online quote form to get their own insurance. If you are a minor and want to have your own car insurance, you will need to get the consent of a parent or guardian.
Rating How we rate: ‘ ratings are determined by our editorial team. Our methodology takes into account several factors, including prices, financial evaluation, quality of customer service and other specific product features.
GEICO has the best insurance rates of any company available nationally to add a new driver to an existing policy. In addition to low rates, GEICO also offers coverage such as rental reimbursement and roadside assistance.
GEICO is the best and cheapest auto insurance for families adding a new driver to their existing auto insurance policy. GEICO isn’t the cheapest at all, but it’s still an affordable option that’s available in every state. We found that at $240 a month, GEICO costs $907 a year less than the average cost of new drivers.
New Drivers’ Guide To Car Insurance
NJM is the absolute cheapest car insurance for new drivers, but it’s only available in Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania. However, new driver insurance from NJM is only slightly cheaper than GEICO – $6 a year on average.
Members of the military and active and retired vets (and their families) can also get cheap new driver insurance from USAA, where new driver coverage costs $141 per month ($1,076 cheaper per year than average). However, unlike GEICO and NJM, USAA is not available to the general public.
Most insurance companies require that every licensed driver in your household be included in your auto insurance policy. Fortunately, it’s easy to add a new driver to an existing policy.
You can usually add a new driver to an existing policy over the phone or online through the insurance company’s website or mobile app.
Best Cheap Car Insurance For Teens In 2023
To add a driver to your car insurance policy, you’ll need some key information including:
New drivers who buy their own policy can get inexpensive coverage from State Farm. Because State Farm rates remain low even after an accident or speeding ticket, new drivers don’t have to pay significantly higher rates after an early mistake.
State Farm has the best and cheapest auto insurance for new drivers who buy their own policy. On average, new driver insurance costs $380 a month with State Farm, which is $1,632 a year cheaper than the average new driver.
State Farm auto insurance is available in every state except Massachusetts and Rhode Island, but depending on where you live, a smaller company may be a cheaper option. We found that the COUNTRY, then Erie and car owners have cheap car insurance for new drivers.
Car Insurance For Teens
Here are the cheapest new driver insurance companies in every state – whether you’re adding a new driver to your family policy or you’re a new driver buying on your own.
Regardless of age or experience behind the wheel, anyone who moves to the United States is considered a new driver. Since these drivers have no insurance history with American companies, it is difficult to assess their chances of future compensation.
Although insurance costs will be more expensive for new international drivers regardless of their experience in their home country, their rates will decrease over time as long as they avoid accidents and tickets.
Meanwhile, foreign drivers moving to the United States can get the best rates from the same companies that are the cheapest for new drivers, including GEICO and State Farm.
Compare Cheap Car Insurance For Young Drivers
New drivers can get car insurance if they are undocumented immigrants, but it depends on where they live. Not every state allows new undocumented drivers to get a license — which you need to get car insurance.
However, the following states allow new undocumented drivers to get a license — and car insurance — even without proof of citizenship. These are the following states:
Car insurance for new drivers is always more expensive than average rates for older, more experienced drivers. But it’s even harder to find cheap car insurance when you’re a new driver buying your own policy instead of adding to an existing policy.
On average, the cost of independent insurance for new drivers is $380 per month or $4,562 per year. That’s almost $2,000 more per year than adding a new driver to an existing policy, which costs $230 per month or $2,763 per year.
New Driver Car Insurance Quote From £4000
Among the largest companies, the cost of car insurance for new drivers is $280 a month more than for most older drivers (ages 30 to 45) who have a comparable individual policy.
There are several reasons why car insurance for new drivers costs more than for older drivers. Because of their inexperience, novice drivers are more likely to be involved in a serious accident than their more experienced counterparts.
Companies also look at your driving record to predict how likely you are to get into an accident. But because new drivers still don’t have a record, companies charge them higher prices until they prove they’re safe drivers.
The best way to find new driver insurance that isn’t too expensive is to shop around and compare quotes, but you should also:
Cheapest Liability Only Car Insurance (2023 Guide)
For new drivers who join an existing policy, car insurance is $2,763 per year. But an individual policy for a new driver costs an average of $4,562 a year.
Among the major companies, GEICO has the cheapest rates for new drivers. However, you may be able to get insurance for less with NJM, a regional carrier available in five states. State Farm has the best rates for most new drivers who have their own coverage. Smaller companies like COUNTRY and Erie also have low prices.
New drivers should research car insurance and compare quotes from multiple companies. You should also prepare to change companies if their prices become more expensive over time. New drivers can also get cheaper car insurance by taking full advantage of discounts or switching to mileage or usage insurance to save.
Found the cost of car insurance for new drivers using rates provided by Quadrant Information Services. These rates corresponded to every zip code in all 50 states of the District of Columbia.