Best Cheap Car Insurance for New Drivers

While it’s true that insurance for new drivers will cost more than insurance for seasoned ones, there are still ways to save money. We’ll show you more about what factors influence car insurance rates for young drivers and the best ways to get cheaper rates. Read on to find the best cheap car insurance for new drivers.

Best Auto Insurance for New Drivers

Whether you are a brand new driver or if you have waited until later in life to obtain your driver’s license for the first time, new driver insurance may be costly. We’ve compiled a list of the best auto insurance companies for new drivers with discounts to help you keep down costs for car insurance rates. 

At any age, finding strategies to save money is essential. On average, a teen driver can pay anywhere from $300 to over $1,000 per month for auto insurance. Make sure to shop around to get quotes from several different car insurance companies to find the most affordable coverage to fit your needs.

What factors affect the cost of car insurance?

Three main factors influence the cost of auto insurance rates. These factors include your driving record, where you live, and how much you drive. Here is more info about each of these elements.

Your Driving Record

Insurance companies feel you’re more likely to get into an accident if you’ve had previous traffic violations. As a result, drivers with the best driving histories receive the best auto insurance rates. You are considered a “good driver” and will qualify for the best car insurance rates if you haven’t had any minor traffic violations (like speeding tickets) in the last three years or severe violations in the previous five to seven years.

Where You Live

If you’ve ever requested a car insurance quote, you’ll note that one of the first questions on the form is your address. This is because your location has a significant impact on the cost of auto insurance. Insurance companies consider the frequency of claims, crime rates, road conditions, climate and weather, and other location characteristics when setting auto insurance prices.

How Much You Drive

Auto insurers also consider how you utilize your vehicle when determining your rates. For instance, if you commute to work or school, you will most likely travel during peak traffic hours and your car will be more expensive to insure. Your predicted yearly mileage indicates how much time you spend on the road and, as a result, how likely you are to be involved in an accident.

Why does auto insurance cost more for young drivers?

Insurance companies know that more experienced drivers are less likely to get into an accident on the road. Statistics show that young drivers get into more accidents, so they pay more for insurance. First-time drivers can expect to pay more for car insurance than other drivers.

Here are the major contributing factors for high insurance rates for new drivers:

• Young drivers have an unreliable record.
• Young drivers lack experience.
• Young drivers are more reckless. 
• Young drivers engage in more distracted driving.

Young drivers face higher insurance premiums than their older counterparts for the reasons listed above. Still, by comparing policies, you can save money and find the best cheap car insurance for new drivers.

Auto Insurance Rates by Age and Gender

Here’s what you can expect to pay on average for car insurance based on age and gender:

• Married 60-year-old female average rate is $187/month.
• Married 60-year-old male average rate is $192/month.
• Married 35-year-old male average rate is $204/month.
• Married 35-year-old female average rate is $204/month.
• Single 25-year-old female average rate is $225/month.
• Single 25-year-old male average rate is $241/month.
• Single 17-year-old female average rate is $630/month.
• Single 17-year-old male average rate is $752/month.

The average monthly automobile insurance payment in the United States is $86, although it varies depending on your driving record, credit, and other criteria. You can work on improving your driving record, credit reports, and type of car purchased to ensure you get the cheapest car insurance rates for new drivers available.

Finding the Best Insurance Rates for New Drivers

For first-time drivers, the cost of auto insurance can be twice or even more than the typical rate. If you need auto insurance for a new driver in your family, you can find the best insurance rates by comparison shopping from top insurance companies in your area. 

Case Studies: Examples of Affordable Car Insurance for New Drivers

Case Study 1: Sarah, a New Teenage Driver

Sarah just turned 16 and got her driver’s license. Her parents are looking for the best cheap car insurance for her. Considering her age and lack of driving experience, they understand that the rates might be higher. They decide to compare quotes from multiple insurance providers to find the most affordable option.

After receiving quotes, they notice that some insurers offer a “good student” discount for students with a certain GPA. Sarah has excellent grades, so they take advantage of this discount to lower the premium. Additionally, they bundle Sarah’s car insurance with their existing home insurance policy, which qualifies them for a multi-policy discount.

By combining these discounts and choosing a policy with a higher deductible, Sarah’s parents are able to find a cheap car insurance option that provides adequate coverage for their new driver.

Case Study 2: Mike, a Young Adult with a Clean Driving Record

Mike just graduated from college and purchased his first car. As a responsible driver with a clean driving record, he wants to find the best cheap car insurance that suits his needs. He starts by researching different insurance providers and comparing their rates.

During his search, Mike comes across an insurance company that offers a “safe driver” discount for drivers with a clean driving history. Since he meets the criteria, he is eligible for this discount, which significantly reduces his premium. Additionally, he decides to take a defensive driving course to further demonstrate his commitment to safe driving and qualify for additional discounts.

After comparing quotes and taking advantage of available discounts, Mike is able to find affordable car insurance that rewards his good driving habits and provides the coverage he needs as a new driver.

Case Study 3: Lisa, a New Driver with a Low-Mileage Lifestyle

Lisa recently moved to a big city where she relies mostly on public transportation. She only uses her car occasionally for weekend trips and errands. Being a new driver, she wants to find cheap car insurance that reflects her low-mileage lifestyle.

Lisa starts by requesting quotes from various insurance providers, specifically asking for discounts related to low-mileage usage. She discovers that some companies offer a specific discount for drivers who drive less than a certain number of miles per year. She provides the necessary information about her driving habits, and this discount is applied to her premium.

By taking advantage of the low-mileage discount and choosing a policy that aligns with her actual driving habits, Lisa finds affordable car insurance that caters to her needs as a new driver with minimal mileage requirements.