5 simple tips to get cheap car insurance for young drivers in 2018 | CarInsurance.com
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Cheap car insurance for young drivers: 5 hacks for 2018


Young man with cashCar insurance rates have been climbing over recent years, and 2018 will see the continuation of that trend. If you’re in the market for car insurance for new drivers, say teens, or car insurance for college students, that isn’t good news, as rates are super high for inexperienced motorists. But you’re in the right place to learn how to lower car insurance costs, even though finding cheap car insurance for young drivers is challenging, it’s not impossible.

But, first, you may be wondering: Why is car insurance is so expensive?

Federal research shows people are driving more --  the average miles driven per year is on the rise --  and more motorists on the road means more accidents. The cost to repair newer model cars with high-tech safety devices and sensor technology is also increasing, as are medical costs for injuries. And don’t forget about the hurricane and hail damage from recent severe weather storms. Insurers are passing on some of these higher expenses to you in the form of higher car insurance rates to recoup their losses.

5 tips to get cheap car insurance for young drivers

To help you trim costs, Penny Gusner, CarInsurance.com consumer analyst, advises the following:

1. Take a defensive driving course or driver training course

Defensive driving classes go beyond the basics taught in driver’s education by having motorists learn how to drive in hazardous conditions, anticipate dangerous situations and avoid accidents. The best part? The cost is usually only $25 to $75 and you’ll typically snag a discount of five to 15 percent for three years.  Note, however, that insurer and state law requirements for these discounts vary a great deal. For example, 21st Century Insurance offers a discount to drivers under the age of 21 who take a state approved defensive driver course but with Esurance the discount is not age-based and is available to all drivers in New York, New Jersey, North Dakota, Georgia and Oklahoma.

Another option, though it also comes with exceptions, is to take a driver training course. Some car insurance companies will offer a discount between five and 15 percent, for driving training courses, while others do not since it is part of the licensing process.

2. Stay on your parent’s policy

If at all possible, stay as a named driver on your parent’s policy as long as you can. This is usually the cheapest way to get insurance if you are a young driver. You and your parents can net a multi-car discount of up to 25 percent.

3. Be sure you are assigned to the cheapest car in the household

If your household has several cars, it can save money to have you assigned to a specific one -- the one that's cheapest to insure. Check your policy and be sure to double-check this with your insurer, as some companies will automatically assign young drivers to the most expensive vehicle unless you tell them otherwise.

4. Cash in on distance discounts

Car insurance for college students can be pricey for sure, but you can capitalize on certain discounts. One that can reap up to 20 percent off is the “Student Away” discount. Typically, you qualify if you are listed on your parent’s policy and drive one of their cars they keep at home but attend college 100 or miles away. Some insurers may also require that you are under age 26 and unmarried to receive the discount.

5. Compare car insurance quotes online

We fooled you, as chances are you thought we’d list the “good student discount,” which usually gives up to 15 percent off for those who maintain a “B” average, but most folks are aware of that. While it’s a bonus that’s good to get, and one we recommend you look into, you can likely save way more by simply doing a car insurance comparison to see who offers the lowest rates. Here’s why: Rates for the exact same coverage vary by hundreds of dollars, depending on which insurer you choose. That’s because each insurance company assesses risk differently and uses its own formula when deciding how much you pay. If you don’t shop around, you won’t save. You can see how much you can save by using our average car insurance rates tool, which shows rates by ZIP code for six age groups and three coverage levels, as well as the highest and  lowest rates fielded from up to six major insurers.

Which auto insurance companies have the best rates?

To help you buy the most affordable coverage, in the chart below you’ll see average rates by company for each state for drivers age 20 for state minimum liability limits.

StateCompanyAverage annual rate
AlaskaAllstate$563
AlaskaGeico$576
AlaskaState Farm$638
AlaskaProgressive$1,154
AlabamaAllstate$918
AlabamaGeico$486
AlabamaMid Century$1,339
AlabamaNationwide$1,429
AlabamaProgressive$1,119
AlabamaState Farm$1,071
ArkansasGeico$608
ArkansasState Farm$687
ArkansasAllstate$857
ArkansasProgressive$1,003
ArkansasFarmers$1,039
ArkansasNationwide$1,369
ArizonaGeico$541
ArizonaAllstate$832
ArizonaState Farm$1,048
ArizonaProgressive$1,183
ArizonaFarmers$1,354
ArizonaNationwide$1,373
CaliforniaGeico$573
CaliforniaUnited Financial$918
CaliforniaNorthbrook$1,005
CaliforniaState Farm$1,176
CaliforniaAmco$1,287
CaliforniaFarmers$1,469
ColoradoGeico$517
ColoradoState Farm$825
ColoradoAllstate$1,196
ColoradoFarmers$1,253
ColoradoProgressive$1,282
ConnecticutGeico$1,045
ConnecticutState Farm$1,217
ConnecticutAllstate$1,339
ConnecticutNationwide$1,830
ConnecticutForemost$2,045
ConnecticutProgressive$2,375
DCGeico Gen$623
DCState Farm$1,206
DCAllstate$1,360
DCProgressive$2,134
DCNationwide$2,175
DelawareGeico$1,054
DelawareAllstate$1,510
DelawareProgressive$1,585
DelawareState Farm$1,770
DelawareNationwide$2,350
FloridaGeico$802
FloridaState Farm$1,342
FloridaProgressive$1,648
FloridaAllstate$2,109
Florida21st Century$2,435
GeorgiaGeico$587
GeorgiaNationwide$1,078
GeorgiaState Farm$1,134
GeorgiaAllstate$1,426
GeorgiaProgressive$1,601
HawaiiGeico$303
HawaiiState Farm$407
HawaiiAllstate$453
HawaiiFarmers$806
HawaiiProgressive$826
IowaGeico$363
IowaState Farm$490
IowaAllstate Fire$600
IowaAmco$632
IowaFarmers$764
IowaProgressive$861
IdahoGeico$487
IdahoState Farm$532
IdahoProgressive$557
IdahoAllstate$813
IdahoFarmers$846
IdahoDepositors$1,026
IllinoisState Farm$453
IllinoisGeico$520
IllinoisAmco$783
IllinoisAllstate$923
IllinoisProgressive$1,082
IllinoisIllinois Farmers$1,486
IndianaGeico$464
IndianaIllinois Farmers$707
IndianaState Farm$759
IndianaProgressive$899
IndianaNationwide$901
IndianaAllstate$1,080
KansasGeico$446
KansasState Farm$667
KansasAllstate$767
KansasNationwide$832
KansasProgressive$1,054
KansasFarmers$1,149
KentuckyGeico$702
KentuckyState Farm$1,348
KentuckyAllstate$1,602
KentuckyNationwide$1,761
KentuckyProgressive$2,108
LouisianaGeico$920
LouisianaState Farm$1,364
LouisianaAllstate$1,504
LouisianaProgressive$2,362
MassachusettsState Farm$574
MassachusettsGeico$755
MassachusettsProgressive$1,213
MassachusettsAllstate$1,796
MarylandGeico$1,053
MarylandNationwide$1,149
MarylandState Farm$1,150
MarylandAllstate$1,295
MarylandProgressive$1,448
MaineGeico$449
MaineState Farm$790
MaineAllstate$827
MaineProgressive$946
MichiganGeico$826
MichiganProgressive$1,391
MichiganTitan$2,164
MichiganAllstate$2,697
MichiganState Farm$3,768
MichiganFarmers$5,994
MinnesotaGeico$773
MinnesotaState Farm$839
MinnesotaAllstate$1,041
MinnesotaIllinois Farmers$1,164
MinnesotaProgressive$1,391
MinnesotaAllied$1,398
MissouriGeico$425
MissouriState Farm$756
MissouriAllstate$845
MissouriAllied$861
MissouriProgressive Cas Ins Co$1,101
MissouriFarmers$1,128
MississippiGeico$579
MississippiState Farm$814
MississippiNationwide$818
MississippiProgressive$1,036
MississippiAllstate$1,120
MontanaGeico$428
MontanaState Farm$502
MontanaProgressive$671
MontanaDepositors$682
MontanaAllstate$904
MontanaMid Century$957
North CarolinaGeico$315
North CarolinaState Farm$353
North CarolinaProgressive$370
North CarolinaFarmers$394
North CarolinaNationwide$404
North CarolinaAllstate$413
North CarolinaNationwide$616
North DakotaAllstate$576
North DakotaState Farm$582
North DakotaGeico$633
North DakotaAllied$648
North DakotaMid Century$731
North DakotaProgressive N$850
NebraskaGeico$464
NebraskaAllstate$522
NebraskaState Farm$586
NebraskaMid Century$732
NebraskaAllied$733
NebraskaProgressive$1,092
New HampshireGeico$432
New HampshireAllstate$696
New HampshireState Farm$778
New HampshireNationwide$974
New HampshireProgressive$2,336
New Jersey21st Century$713
New JerseyGeico$817
New JerseyAllstate$1,289
New JerseyProgressive$1,596
New JerseyState Farm$1,874
New MexicoGeico$421
New MexicoState Farm$739
New MexicoFarmers$1,073
New MexicoAllstate$1,108
New MexicoProgressive$1,135
NevadaGeico$823
NevadaVictoria$1,088
NevadaAllstate$1,271
NevadaState Farm$1,328
NevadaMid Century$1,343
NevadaProgressive$1,632
New YorkGeico$609
New YorkProgressive$1,292
New YorkAllstate$1,388
New YorkState Farm$1,727
New YorkForemost$1,764
New YorkNationwide$2,304
OhioGeico$501
OhioState Farm M$592
OhioAllstate$692
OhioProgressive$1,009
OhioFarmers I$1,012
OhioNationwide$1,625
OklahomaGeico$522
OklahomaState Farm$763
OklahomaAllstate$987
OklahomaFarmers$1,030
OklahomaProgressive$1,433
OregonGeico$951
OregonState Farm$1,051
OregonNationwide Ins Co Of Amer$1,344
OregonAllstate$1,370
OregonFarmers$1,405
OregonProgressive$1,790
PennsylvaniaGeico$449
PennsylvaniaNationwide$588
PennsylvaniaState Farm$813
PennsylvaniaAllstate$1,142
PennsylvaniaProgressive$1,432
Rhode IslandState Farm$826
Rhode IslandGeico$1,001
Rhode IslandAllstate$1,874
Rhode IslandNationwide$2,146
Rhode IslandProgressive$2,150
South CarolinaAllstate$769
South CarolinaGeico$883
South CarolinaProgressive$1,399
South CarolinaNationwide$1,453
South CarolinaState Farm$1,938
South DakotaGeico$389
South DakotaProgressive Northern Ins Co$463
South DakotaState Farm$520
South DakotaAllstate$610
South DakotaMid Century$771
South DakotaAmco$815
TennesseeGeico$502
TennesseeNationwide Affinity Co of Amer$707
TennesseeState Farm$750
TennesseeProgressive$995
TennesseeMid Century$1,071
TennesseeAllstate$1,071
TexasGeico$610
TexasFarmers$768
TexasAllstate$969
TexasState Farm Mut Auto Ins Co$1,046
TexasColonial$1,396
TexasProgressive$1,498
UtahGeico$490
UtahAllstate$873
UtahMid Century$1,226
UtahState Farm$1,294
UtahAllied$1,430
UtahProgressive$1,711
VirginiaAllstate$590
VirginiaState Farm$690
VirginiaGeico$715
VirginiaNationwide$842
VirginiaProgressive$1,222
VermontGeico$352
VermontAllstate$531
VermontNationwide$807
VermontState Farm Mut Auto Ins Co$822
VermontProgressive$1,077
WashingtonGeico$697
WashingtonState Farm$729
WashingtonFarmers$1,086
WashingtonAllstate$1,154
WashingtonProgressive$1,211
WashingtonNationwide$1,214
WisconsinGeico$363
WisconsinState Farm$579
WisconsinAllstate P$645
WisconsinArtisan & Truckers$785
WisconsinMid Century$1,037
WisconsinAmco$1,070
West VirginiaGeico$709
West VirginiaState Farm$811
West VirginiaAllstate$839
West VirginiaProgressive$1,152
West VirginiaNationwide$1,215
WyomingGeico$376
WyomingState Farm$551
WyomingAllstate$741
WyomingFarmers$820

Average car insurance rates by age

To see how your rate will drop as you get older, see our average rates by age page.

Car insurance rates for teens

To see average car insurance rates for teens, the articles listed below feature rates by age, state and gender:

 


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