Your First Auto Insurance Policy

It’s expensive for young, new drivers to get auto insurance. You may be paying more than $4,000 a year if you're unmarried and 18 years old.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 23, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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.

Things to Remember...

  • Because new drivers are at such a higher risk of accidents, you need to be sure that the policy you choose will take care of you if anything happens
  • It’s helpful, first of all, is to understand what auto insurance is, what it does for you and why you need to have it
  • When searching for an auto insurance policy use the company’s website or an insurance agent to make sure you understand what coverage you need
  • Its expensive as a young driver to get insurance. Make sure to shop around and compare rates

When you’re dreaming about that first car, you’re probably not really thinking too much about that first auto insurance policy.

The fact of the matter is that your choice of auto insurance companies and policies is nearly as important, if not more important, than the choice of your first car.

Choosing a new car from a gleaming lot of new machines may certainly be more fun than shopping around for the best auto insurance policy but they are both important!

Because new drivers are at such a higher risk of accidents, you need to be sure that the policy you choose will take care of you if anything happens.

You can find and compare auto insurance quotes from many different insurance companies – just enter your zip code above right now!

The Basics

It’s helpful, first of all, is to understand what auto insurance is, what it does for you and why you need to have it. When you have an accident, there are going to be significant costs involved.

From the cost of repairing the vehicles involved to the medical costs that may come as a result of the accident, you’re responsible for the damage that you cause.

Auto insurance provides you with a way to take care of the financial obligations that come from an auto accident.

Most people can’t afford to take the financial responsibility for an accident. That’s why it’s mandatory in all 50 states for drivers to carry auto insurance.

If you don’t have insurance, you can get a ticket or, in some cases, even lose your license.

Free Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Understanding the Policy

Auto insurance policies are complex. You need to start off with a solid base of knowledge when you start looking for coverage. This website is a great resource for learning about auto insurance.

You can also talk to an insurance agent, and they can explain what kinds of products it is that they offer. They can also help you find a policy that is affordable to you.

You’re Going to Pay More

It’s expensive for young, new drivers to get auto insurance. You’re going to pay more for your policy than drivers who’ve been on the road for a couple of decades. That said, you shouldn’t pay more than you have to. Make sure to do some comparison shopping.

Make sure you know how much it will cost to insure a given car before you actually buy it. Ask your insurance agents about what kinds of discounts you might qualify for.

Just because you’re going to pay more than older folks doesn’t mean that you have to pay too much.

Ultimately, your choice of auto insurance policies can make a significant difference in your budget and, if there’s an accident, in your ability to continue driving.

Make sure to take the time to understand your insurance policy options and to pick the one that’s the best fit for you.

Just because young drivers usually pay more for their first auto insurance policy than say an older driver with 40 years of driving experience doesn’t mean that you still can’t find cheap auto insurance rates no matter what your age or experience level.

Just enter your zip code in on this page to compare rates for free below for auto insurance companies right now!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

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