Best Car Insurance for New Drivers
The best car insurance for new drivers can be costly. Depending on your age, marital status, location, credit history, occupation, and education level, you may be able to get cheaper rates. It’s a good idea to shop around and compare prices from several companies to get excellent car insurance for first-time drivers.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Apr 29, 2022
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- Your age, location, marital status, credit history, education level, and occupation can impact your car insurance costs
- New older drivers can qualify for senior or low-mileage discounts
- Women and older people usually pay less for car insurance than younger men
Getting car insurance can be tedious, especially if you started driving recently. Car insurance for new drivers is often more costly. Since these people are more inexperienced, they’re more likely to have accidents. Insurance companies usually consider newly licensed people, immigrants, foreign nationals, and individuals with gaps in their insurance coverage as new drivers.
In this article, we’ll help you get the coverage you need. Let’s take a detailed look at how you can learn more about finding the best insurance for new drivers.
Table of Contents
Auto Insurance Rates by Age and Gender
You may be wondering, “How much is car insurance for a new driver?” The answer depends on your age and gender as well as other factors. Here are a few different examples of what you might pay depending on your age and gender:
- New driver insurance for a 17-year-old female is about $624.24/month, while new driver insurance for a 17-year-old male is around $734.70/month.
- A 25-year-old female would pay about $225/month, and a male the same age would pay around $241/month.
- Married 35-year-old men and women both pay about $204/month.
- The rates for 60-year-old men are around $192/month, and women pay about $187/month.
With such a large range of costs and determining factors, it is always a good idea to shop around to find the most affordable car insurance rates available to you. Make sure you compare no less than four auto insurance companies.
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Why does auto insurance cost more for young drivers?
Young drivers auto insurance costs more because they don’t have a driving record that insurers can consult to make decisions about rates. Until they prove they can drive safely by avoiding tickets and accidents, insurance companies will assume that young drivers are more reckless.
Younger drivers also don’t have the experience needed to drive safely in some situations. For example, they may not know how to avoid hydroplaning on a wet road. A young driver could also become more easily distracted while talking to a passenger, using navigation, or eating while driving.
The top five insurance companies for new drivers are listed below:
- USAA
- GEICO
- State Farm
- Allstate
- Progressive
You will notice that USAA offers the best deals, but they only serve veterans and their families.
Best Auto Insurance for New Older Drivers
Finding affordable car insurance for new drivers that are older can be more difficult than searching for the best car insurance for new drivers under 25 years of age. Older people are more likely to get into accidents due to health problems, and auto insurance for mature first-time drivers doesn’t include a discount for their life experience.
However, some insurers offer a discount for senior citizens. If you’re retired and you don’t drive often, you might also be able to get a discount for low mileage. To get the best rate, it’s a good idea to shop around and compare quotes from several companies. Good insurers for seniors include:
- The Hartford
- USAA
- GEICO
- Allstate
- Metromile
What factors affect the cost of car insurance?
Auto insurance companies consider several factors when determining rates. Your driving history, your location, and how often you drive are most important. Like people who received tickets or got into accidents, new drivers will have higher rates. People in busy areas with more traffic and people with long commutes often pay more for car insurance as well.
Other variables that could impact your rates include martial statues, your vehicle, credit history, occupation, and education.
Marital Status
Statistics show that drivers who have never been married get into accidents more often than married people. According to a study by the Consumer Federation of America (CFA), many insurance companies offer lower rates to people after they get married.
Vehicle
Expensive sports cars usually cost the most to insure. Vehicles that people often drive more cautiously, like minivans or station wagons, have lower rates.
Credit History
People with good credit histories are usually better drivers than those with bad credit. While the insurance credit score is different from the FICO credit score, they’re both based on the same information. Raising your score can help lower your rates.
Occupation and Education
In some states, insurance companies can also look at your occupation and education level. People with more education and higher incomes usually get lower rates.
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How do you find the best car insurance for new drivers?
Finding low-cost insurance for new drivers can be tricky, but many companies offer affordable discounts. It’s a good idea to shop around and compare prices from several companies to find excellent and affordable car insurance for new drivers.