Cheap Auto Insurance for Driving Tests in 2025 (Save Money With These 10 Companies!)

Erie, Geico, and State Farm stand out as the best options for cheap auto insurance for driving tests, with monthly rates starting as low as $32. Whether you’re a teen driver getting your first license or you waited a little longer to start driving, you must ensure you coverage meets driving test insurance requirements.

Auto insurance for teens and inexperienced drivers can be prohibitively expensive, but you probably don’t need to buy an individual policy.

If you’re taking a parent or guardian’s car, they can add you to their policy for much less. You’ll also probably be covered if you borrow a friend or relative’s car with their permission. 

Our Top 10 Company Picks: Cheap Auto Insurance for Driving Tests

Read on to learn more about driving test insurance and which option might suit you best. You can then find the cheapest auto insurance for driving tests by entering your ZIP code into our free quote comparison tool. 

#1 – Erie: Top Pick Overall

Pros

• Affordable Rates: Erie Auto Insurance offers rates below the national average, making it a cost-effective option for driving test insurance. See our review of Erie auto insurance to compare rates.
• Potential Savings with Multiple Discounts: Erie provides various discounts, including multi-policy, safe driving, and reduced usage discounts helping policyholders save money.
• Extensive Coverage Options: Erie offers a wide range of coverage options beyond driving test insurance requirements, ensuring drivers can customize their policies to suit their needs.

Cons

• Limited Coverage Availability: Erie Auto Insurance is not available in all states, limiting coverage options for potential customers in need of driving test insurance.
• Add-on Coverage/Feature Restrictions: Some add-on coverages, such as rideshare insurance and certain perks like Better Car Replacement, may not be available in all states.

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#2 – Geico: Best for Online Tools

Pros

• Budget-Friendly Premiums: Geico offers the budget-friendly car insurance for all drivers, including those new behind the wheel.
• Variety of Student Discounts: Teen drivers can take advantage of Geico’s DriveEasy, good student, good driver, and student discounts. A full list of discounts is available in our Geico car insurance review.
• Excellent Online Tools: Geico’s advanced mobile app and website provide new drivers with convenient management of their car insurance policies and premium payments.

Cons

• Limited Add-on Coverage Options: New drivers seeking add-on coverage like new car replacement, vanishing deductibles, or rideshare insurance won’t find them available with Geico.
• Limited Local Agent Presence: Geico lacks sufficient brick-and-mortar offices for customer service, requiring communication with representatives primarily over the phone.

#3 – State Farm: Best for Discounts for New Drivers

Pros

• Diverse Discounts: State Farm provides a range of discounts tailored to its drivers, including young adults and first-time drivers. Learn more in our State Farm Auto Insurance Review.
• Competitive High-Risk Rates: Typically, first-time drivers have high rates due to inexperience, but State Farm offers more affordable high-risk car insurance rates.
• Strong Financial Standing: State Farm insurance boasts an A++ rating from A.M. Best, ensuring its capability to fulfill claims obligations.

Cons

• Lack of Gap Insurance: First-time drivers with new vehicles may need to seek coverage elsewhere as State Farm does not provide gap insurance.
• Limited Discount Availability: Discount availability and amounts with State Farm vary by state, potentially leading to inconsistent savings opportunities.

#4 – Travelers: Best for Customizable Coverage

Pros

• Responsible Driver Program: With Travelers’ Responsible Driver plan, you avoid rate increases after your initial accident or traffic violation.
• Diverse Student Discounts: Travelers provides discounts for good students, students away from home, and driver training.
• Customizable Coverage Choices: Travelers offers ample opportunities to tailor your policy to your needs. Explore the full range of add-on choices in our Travelers Auto Insurance Review.

Cons

• Coverage Not Available Nationwide: Travelers operates exclusively within 42 states.
• Average Pricing for Coverage: Travelers’ insurance rates typically fall in line with the national average. While not the most expensive option, there are alternatives offering more affordable rates.

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#5 – Progressive: Best for Coverage Options

Pros

• Innovative Coverage Options: Progressive stands out for offering unique features such as accident forgiveness and pet injury coverage. Our Progressive Auto Insurance Review provides further details.
• Tailored Student Discounts: Progressive’s Name Your Price tool enables customers to customize their premiums, ensuring the cost of insurance better aligns with their budget.
• User-Friendly Mobile App: Progressive provides a convenient mobile app that allows policyholders to easily handle bill payments, file claims, and make policy adjustments.

Cons

• Potential Rate Increases: Progressive may raise rates for new drivers following their first accident unless they have accident forgiveness included in their policy.
• Restricted Bundle Options: Progressive offers few opportunities for bundling, limiting your potential for savings.

#6 – The Hartford: Best for Older Adult Drivers

Pros

• Affordable Rates for Older Adults: While The Hartford specializes in offering low rates to older adults, younger drivers may also find competitive prices compared to other insurers.
• AARP Benefits: AARP members can access exclusive benefits such as lifetime renewability, 12-month rate protection, and accident forgiveness, enhancing the overall value of their policies.
• Comprehensive Coverage Options: The Hartford offers a range of coverage options suitable for teens and new drivers. See our review of The Hartford auto insurance for more information.

Cons

• Higher Rates for Younger Drivers: While The Hartford provides competitive rates for older adults, younger drivers may face higher premiums due to their age and lack of driving experience.
• Limited Online Tools: The Hartford offers basic online tools such as an online quote calculator and claim filing, but its technological offerings may not match those of some competitors.

#7 – American Family: Best for Loyalty Discount

Pros

• KnowYourDrive Program: American Family’s KnowYourDrive usage-based program offers significant discounts to safe drivers who successfully participate in the program.
• Loyalty Discounts: American Family provides loyalty discounts to drivers who maintain their policy with the company, offering a means for individuals with poor credit to save over time.
• Accident Forgiveness: American Family offers accident forgiveness to eligible safe drivers, ensuring that their rates remain unaffected after their first accident with American Family.

Cons

• Limited Availability: American Family doesn’t operate in all 50 states, so drivers may need to consider different auto insurance for driving tests.
• Expensive Rates: Rates may be higher for younger or high-risk drivers. You can learn more in our American Family auto insurance review.

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#8 – Nationwide: Best for Discount Offerings

Pros

• Vanishing Deductible: Nationwide’s vanishing deductible program enables drivers with poor credit to benefit from lower deductibles, fostering potential savings.
• Competitive Discount Offerings: Nationwide provides numerous discounts to ensure its rates remain competitive. Explore additional discounts in our Nationwide auto insurance review.
• SmartRide Program: Nationwide’s SmartRide usage-based program rewards safe drivers with discounts, enhancing affordability after new drivers take their driving tests and gain experience.

Cons

• Not Available in All States: Nationwide doesn’t sell auto insurance in all 50 states, so it’s not an option for drivers in certain locations.
• Limited Local Agent Availability: Even in states served by Nationwide, there’s a lack of local agents in certain regions, posing challenges for drivers seeking in-person assistance.

#9 – Farmers: Best for UBI Savings

Pros

• Signal App: New drivers have a chance to save with Farmers Signal, a usage-based auto insurance program offering potential savings of up to 30% for safe driving, complete with crash detection.
• Driver Education Resources: Farmers’ website features an array of informative articles, blog posts, and guides covering diverse car insurance topics, policy options, and risk management tips.
• Strong Local Agent Network: With an extensive network of agents, Farmers provides personalized assistance to drivers managing their car insurance policies.

Cons

• High Premiums for College Students: College students typically incur high monthly costs for full coverage auto insurance with Farmers. Check out average rates in our Farmers auto insurance review.
• Limited Availability: Farmers car insurance is not accessible in all 50 states, so coverage options are restricted.

#10 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Excellent Digital Tools: Liberty Mutual equips drivers with convenient online and mobile app features for bill payments, policy management, and claims filing.
• Accident Forgiveness Option: Liberty Mutual provides the option to add accident forgiveness at an additional cost, ensuring rates remain unaffected after the first accident.
• Generous Discount Offerings: Liberty Mutual offers numerous discounts beneficial to college students. More details regarding discounts are available in our Liberty Mutual Auto Insurance Review.

Cons

• Costly Premiums: Liberty Mutual typically offers rates that are higher compared to many competitors.
• Complicated Claims Procedures: Liberty Mutual’s claims process can be intricate and time-consuming for some, causing frustration among policyholders.

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Driving Test Auto Insurance Requirements

The type driving test insurance you need varies from state to state, and you need to verify the requirements in your location to see if your insurance policy is sufficient.

Liability Auto Insurance Requirements by State

Many companies offer non-owner insurance if you plan on borrowing a car but want your own coverage. Non-owner car insurance for driving tests would cover you, no matter whose car you drive.

The test administrator will check to see that you have the minimum requirement before the test can proceed. After all, one thing is for sure: driving a car during a test without proper insurance is illegal.

If you’ve never had a license before, every state requires that you take both a written and practical driving test. You need to pass both to get your driver’s license.

You will need to satisfy certain requirements by your Department of Motor Vehicles (DMV) before attempting the driving test. Whether you borrow or own the vehicle, you will need your state’s minimum required car insurance for a driving test.

Using a Borrowed Vehicle for Driving Tests

Most people in this situation be borrowing a car for their driving test but may be waiting to pass the test before they can purchase one. If you already legally own a vehicle, you can register it in your name before taking the test.

If you don’t own a vehicle, you may borrow one from someone you live with, such as a parent. Many liability car insurance policies will allow you to use the borrowed car for your driving test so long as the policyholder has given permission. 

You’ll also need to make sure to check if the documentation in your insurance policy includes driving test insurance requirements.

Using a Rental Car for Driving Tests

If you cannot borrow a vehicle elsewhere, it may be possible for you to use a rental car for your driving test. You won’t be able to rent a car yourself without a valid license, but you can ask a family member to do so. Make sure the rental company allows other drivers. You may be required to get supplemental rental car insurance.

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Temporary Auto Insurance for Driving Tests

Some insurers offer temporary auto insurance for a period of a few days. However, this will only apply to a registered driver, and you need to check to see if the company will add you as a permissive user.

Available Auto Insurance Discounts for Driving Tests

Finding affordable car insurance to take a driving test is easier when you take advantage of available discounts. Many top insurance providers offer savings on drivers test insurance through programs like bundling, safe driver incentives, and good student discounts.

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Whether you’re getting a driver’s license in NC or another state, it’s essential to compare these discounts to lower your premium. The table below highlights car insurance discounts for driving tests from top providers, helping you determine which insurer offers the most savings before your test.

Driving Tests Auto Insurance Discounts From the Top Providers

If you’re wondering, “Do i need to be insured to take driving test?”, the answer depends on state laws, but in most cases, you’ll need at least proof of insurance for the driving test.

When finding car insurance to take for the driving test, taking advantage of discounts can help reduce costs. Whether you qualify for the best good student car insurance discount, a safe driver incentive, or a bundling discount, these savings can make a significant difference in your car insurance driving test costs.

Find the Best Auto Insurance for Driving Tests Today

Erie, Geico, and State Farm are the top picks for cheap auto insurance for driving tests with Erie having the lowest price at $32 a month. Erie is notable for having locked-in rates that avoid surprise premium hikes.

Geico has great online tools to manage policies, making it convenient. State Farm is famous for its Steer Clear program for new drivers that saves them money on insurance.

When you are preparing to take your driving test, ensure that the vehicle you use has the correct type of coverage to meet the state minimum auto insurance requirements. Additionally, make sure that the owner’s insurance coverage extends to you for this occasion.

If you want to use a rental car, somebody else will need to sign the contract, and you should check with the rental company first to ensure coverage extends to you. Save time and money by entering your ZIP code into our free comparison tool for customized rate comparisons.

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