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Cheap Auto Insurance Quotes for Teens

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Things to remember...
  • Teen drivers are more likely to get into a crash
  • Teen drivers wear their seat belts less often than drivers in other age brackets
  • You may be able to get cheaper rates as a teen driver if you enroll in certain classes

If you’re a teen driver, chances are you know firsthand how expensive auto insurance can be. The problem is that even if you’re conscientious and safe, your peers in your age group stack the deck against you.

Teenage drivers are the cause of so many insurance payouts that many companies simply don’t want to take a chance. They will charge you significantly higher rates because of your age.

If you’re like most teenagers, you don’t have very much disposable income for hefty car insurance premiums. You must have coverage, though because it is against the law in most states to drive without it.

One way to overcome this dilemma is to compare auto insurance quotes to save the most money. Enter your zip code into our FREE auto insurance comparison tool to see quotes right now!

Why is teen driver insurance so expensive?

 

Many years of accident statistics stack against teen drivers when it comes to the cost of their insurance. It is a statistical fact that young drivers are more likely to get into an automobile accident and be liable for the cost of personal injuries or property damage.

Here are some teen driving statistics:

  • Teen drivers are more likely to get into a crash. Drivers aged 16 – 19 are at least four times more likely to get into an accident than drivers in an older age bracket.
  • Teen drivers wear their seat belts less often than drivers in other age brackets. Compared to other age groups, the rate of seat belt use is lowest in the 16 – 19 bracket.
  • Studies show that newly licensed drivers, defined as drivers having received their licenses within a year of signing up for an insurance policy, have the highest crash risk.

Generally speaking, insurance premiums don’t substantially decrease from teenage levels until age 25. The 16 – 25 bracket tends to have the highest rates due to reckless, risky driving behavior across the demographic.

There are plenty of ways to counteract these high rates. If you’re a teen or in your early 20s, read on for some important tips to get cheap auto insurance premiums.

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Teenage Driver Auto Insurance Tips

There are a few tips if you want to get cheap auto insurance quotes. The first tip is to use our free comparison tool. You can enter your age, car make & model, location and other information and receive a list of auto insurance quotes.

You can compare policy options and prices, and choose the deal that sounds the best to you. This is far and away the best option if you’re under 20 and want an inexpensive auto insurance quote.

However, don’t be fooled just by looking at prices. There are a number of quotes offered by major auto insurance companies whose special perks are well worth the initial relatively high price.

Common Teen Driver Perks

 

  • Get Good Grades – Some insurance companies offer good grades discounts for both high school and college students. If you send your grades to the insurance company every semester, you may be able to keep a lower rate.
  • Use a Monitoring Device – Some companies, notably Progressive, give you an electronic monitoring device to plug into your car. If you drive safely according to the device’s specifications, you will receive a reward in the form of a lower insurance bill for your next billing cycle.
  • Enroll in a Safe Driver Education Program – You may be able to get cheaper rates as a teen driver if you enroll in certain classes. These classes are available both in person or online, and you may be able to attend them at discounted rates or even for free if you need financial aid.
  • Be a Resident Student – If you are a first-year college student living in the dorms, but your car stays at home, you may be able to get significant discounts on your car insurance. Resident Student discounts can cut a significant portion off your insurance premiums.
  • Graduate from College – Statistics show that college graduates, especially those with high GPAs, get into fewer accidents than non-graduates. While this is more valuable for drivers in the early 20s, know that once you graduate, you may be eligible for cheaper rates.

Other Perks to Keep in Mind

  • Choose Your Vehicle Wisely – Certain vehicles get better rates than others. Choose a practical minivan rather than a high-powered sports car for a cheap insurance rate.
  • Keep Your Record Clean –Drivers who get into accidents, receive moving violations or receive DUIs will be penalized in their insurance scores.
  • Find Low-Mileage Discounts – If you don’t plan on driving your car very much, consider a low-mileage discount policy.
  • Establish a Good Credit History – A good credit history only helps your chances of getting a cheap auto insurance quote.
  • First Accident Forgiveness – We all make mistakes once in a blue moon. First accident forgiveness is a good perk for teen drivers, as it allows that first fender bender to be wiped clean from your driving record as far as the insurance company is concerned.

Finally, consider signing onto your parents’ policy and offering to chip in with the extra added cost. Even though you should use our comparison tool to compare the two different options of paying for your own, in many cases, it is cheaper to share a policy.

By comparing many different variables, from price to coverage levels to special perks, you can choose the best teen auto insurance quote online. What do you have to lose? Try it out today by entering your zip code in the box below!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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