Cheap Auto Insurance for Driving Tests in 2024 (Save Money With These 10 Companies!)
Erie Insurance, State Farm, and Travelers are the top three choices for cheap auto insurance for driving tests, with monthly rates starting as low as $26. Whether you're a parent of a teen or an adult obtaining their first license, these auto insurance companies provide the best rates for new drivers.
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Jeff Root
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Sep 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Min. Coverage for Driving Tests
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Driving Tests
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Min. Coverage for Driving Tests
A.M. Best Rating
Complaint Level
Pros & Cons
Erie Insurance, State Farm, and Travelers stand out as the best options for cheap auto insurance for driving tests. 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
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $26 A+ Personalized Policies Erie
#2 $42 A++ Customer Service State Farm
#3 $43 A++ Bundling Policies Travelers
#4 $48 A++ Affordable Rates Geico
#5 $51 A+ Exclusive Benefits The Hartford
#6 $53 A+ Safe-Driving Discounts Progressive
#7 $54 A Discount Availability American Family
#8 $57 A+ Accident Forgiveness Nationwide
#9 $68 A Safe Drivers Farmers
#10 $83 A Add-on Coverages Liberty Mutual
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.
- Erie Insurance, State Farm, and Travelers offer cheap auto insurance for driving tests
- The best auto insurance companies offer diverse discounts and coverage options
- Compare auto insurance for driving tests to find the best policy
#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 and learn more about this provider.
- 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.
- Unique Features: Erie includes unique features such as locked rates and diminishing deductibles, enhancing the value of their policies.
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 – State Farm: Best for Discounts for New Drivers
Pros
- Diverse Discounts: State Farm provides a range of discounts tailored to its driver’s, including young adults and first-time drivers. For example, the good student discount and Steer Clear program are designed for drivers under 25. You can review additional available discounts 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, ideal for those needing auto insurance for driving tests.
- Strong Financial Standing: State Farm 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.
#3 – 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. Although this coverage comes at an extra cost, it may yield long-term benefits for new drivers.
- 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, ensuring you meet driving test insurance requirements. 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.
#4 – 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 organization discounts, making it easy for college students to access affordable coverage. 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.
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#5 – 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, including liability, collision, and comprehensive insurance, ensuring adequate protection on the road. 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.
#6 – Progressive: Best for Coverage Options
Pros
- Innovative Coverage options: Progressive stands out for offering unique features such as accident forgiveness and pet injury coverage. Moreover, the Deductible Savings Bank feature allows policyholders to reduce their deductible by $50 for every six months without violations or claims. Our Progressive Auto Insurance Review provides further details about its types of auto insurance coverage.
- 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. With discounts like Progressive Snapshot, good student, student away and teen driver discounts, college-age drivers can benefit from significant savings.
- User-Friendly Mobile App: Progressive provides a convenient mobile app that allows policyholders to easily handle bill payments, file claims and make policy adjustments to ensure you have coverage that meet driving test insurance requirements.
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.
Prior to your driver's test, confirm the vehicle you're using has adequate auto insurance coverage that meets state minimum requirements. You may not be able to take your test if you cannot present valid proof of insurance to the DMV.Michelle Robbins Licensed Insurance Agent
#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. You can learn more in our American Family Auto Insurance Review.
- 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.
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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 compared to other providers. 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 driver’s 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. Additionally, maintaining a driving score of 80% or better each month enters participants into a monthly gift card drawing.
- 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, perfect for those preparing to take their driving test. These resources, along with details on available discounts, have the potential to reduce premiums for college students over time.
- Strong Local Agent Network: With an extensive network of agents, Farmers provides personalized assistance to drivers managing their car insurance policies and ensure they have the appropriate driving test insurance.
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 if the driver maintains a clean record.
- Generous Discount Offerings: Liberty Mutual offers numerous discounts beneficial to college students, including good student, student away, RightTrack and multi-car discounts. 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
State | Coverages | Limits |
---|---|---|
Alabama | Bodily injury & property damage liablity | 25/50/25 |
Alaska | Bodily injury & property damage liablity | 50/100/25 |
Arizona | Bodily injury & property damage liablity | 15/30/10 |
Arkansas | Bodily injury, property damage liablity, & personal injury protection | 25/50/25 |
California | Bodily injury & property damage liablity | 15/30/5 |
Colorado | Bodily injury & property damage liablity | 25/50/15 |
Connecticut | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/20 |
Delaware | Bodily injury, property damage liablity, & personal injury protection | 25/50/10 |
Florida | Property damage liablity, & personal injury protection | 10/20/10 |
Georgia | Bodily injury & property damage liablity | 25/50/25 |
Hawaii | Bodily injury, property damage liablity, & personal injury protection | 20/40/10 |
Idaho | Bodily injury & property damage liablity | 25/50/15 |
Illinois | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/20 |
Indiana | Bodily injury & property damage liablity | 25/50/25 |
Iowa | Bodily injury & property damage liablity | 20/40/15 |
Kansas | Bodily injury, property damage liablity, & personal injury protection | 25/50/25 |
Kentucky | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/25 |
Louisiana | Bodily injury & property damage liablity | 15/30/25 |
Maine | Bodily injury, property damage liablity, uninsured motorist/underinsured motorist, & MedPay | 50/100/25 |
Maryland | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 30/60/15 |
Massachusetts | Bodily injury, property damage liablity, & personal injury protection | 20/40/5 |
Michigan | Bodily injury, property damage liablity, & personal injury protection | 20/40/10 |
Minnesota | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 30/60/10 |
Mississippi | Bodily injury & property damage liablity | 25/50/25 |
Missouri | Bodily injury, property damage liablity, & Uninsured Motorist | 25/50/25 |
Montana | Bodily injury & property damage liablity | 25/50/20 |
Nebraska | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
Nevada | Bodily injury & property damage liablity | 25/50/20 |
New Hampshire | Financial responsibility (None required) | 25/50/25 |
New Jersey | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 15/30/5 |
New Mexico | Bodily injury & property damage liablity | 25/50/10 |
New York | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/10 |
North Carolina | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 30/60/25 |
North Dakota | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/25 |
Ohio | Bodily injury & property damage liablity | 25/50/25 |
Oklahoma | Bodily injury & property damage liablity | 25/50/25 |
Oregon | Bodily injury, property damage liablity, personal injury protection, & uninsured motorist/underinsured motorist | 25/50/20 |
Pennsylvania | Bodily injury, property damage liablity, & personal injury protection | 15/30/5 |
Rhode Island | Bodily injury & property damage liablity | 25/50/25 |
South Carolina | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
South Dakota | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
Tennessee | Bodily injury & property damage liablity | 25/50/15 |
Texas | Bodily injury, property damage liablity, & personal injury protection | 30/60/25 |
Utah | Bodily injury, property damage liablity, & personal injury protection | 25/65/15 |
Vermont | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/10 |
Virginia | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/20 |
Washington | Bodily injury & property damage liablity | 25/50/10 |
Washington, D.C. | Bodily injury, property damage liablity, & Uninsured Motorist | 25/50/10 |
West Virginia | Bodily injury, property damage liablity, & uninsured motorist/underinsured motorist | 25/50/25 |
Wisconsin | Bodily injury, property damage liablity, uninsured motorist, & MedPay | 25/50/10 |
Wyoming | Bodily injury & property damage liablity | 25/50/20 |
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.
Find the Best Auto Insurance for Driving Tests Today
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.
Frequently Asked Questions
Do auto insurance companies offer drivers test insurance?
Yes, some auto insurance companies offer short-term or temporary insurance for driving test policies specifically designed to cover drivers during their driving tests. Keep in mind temporary car insurance for your driving test may not last as long as a typical policy. For example, if you have day insurance for driving test, it is only valid that day.
What if I don’t have a car for the driving test?
If you don’t own a car, borrowing one from a friend or family member is common. Ensure the vehicle is properly insured under their policy, or consider obtaining temporary insurance for your driving test.
What insurance do you need to take a driving test?
The type of auto insurance you need for your driving test is typically the same as the minimum coverage required by your state. This is usually liability insurance, which covers damages or injuries you may cause to others while driving. However, requirements may vary, so consult your local DMV or licensing authority for specific details about driving test insurance requirements.
Can I borrow a car for the driving test?
Yes, borrowing a car for the driving test is allowed in most cases. However, it’s crucial to ensure that the vehicle you borrow is adequately insured under the owner’s policy to comply with legal and driving test insurance requirements.
Should I have car insurance before passing the test?
Yes, it’s highly recommended to have car insurance even as a learner driver before passing the test. Having drivers test insurance not only ensures your safety on the road but also keeps you legally compliant.
Do they check insurance for the driving test?
Yes, when taking a driving test, examiners typically request proof of insurance for the vehicle being used. It’s essential to provide valid documentation to demonstrate compliance with insurance requirements for driving test.
Can I use a rented car for a driving test?
Using a rental car for a driving test may be an option, depending on the policies of the rental car company and the requirements of your local DMV. Some rental car companies may allow their vehicles to be used for driving tests, while others may have restrictions or additional requirements. Contact rental car companies directly and inquire about their policies regarding driving tests to determine if this option is available to you.
Does failing a driving test affect insurance rates?
Failing a driving test typically does not directly impact your auto insurance. However, it is important to note that insurance companies may consider other factors, such as your driving history and age, when determining your premium rates.
How much will my insurance be when I pass my test?
Auto insurance rates can vary based on several factors, including your age, driving history, location, and the type of vehicle you drive. While passing your driving test is a milestone, insurance premiums may increase, particularly for younger drivers. The same goes for parents adding their teen drivers to their policy. It’s advisable to shop around and compare quotes to find the most suitable and affordable coverage option after obtaining your license.
What’s a permissive user on auto insurance for driving tests?
Although you cannot be named as a driver on an insurance policy if you do not yet have a license, many insurance companies will extend coverage if you are known or related to the policyholder as long as you get express permission from the vehicle owner. It’s a good idea to get this in writing, just in case the DMV asks for it.
Take advantage of our free quote comparison tool to uncover the best rates in your location today!
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.