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car insurance for young drivers

Finding the best car insurance can be difficult. If looking to save money and get a cheaper car insurance premium, it’s worth thinking about the insurance group car is in. For instance, cars in lower insurance groups attract a lower premium. Car insurance is basically taken to cover you if your car is stolen or involved in a road accident among various other incidents. It also protects other road users if you cause damage to their vehicle or property. The cost of insurance is based on how much of a risk insurers perceive you to be. For example, if you are a youngster ready to hit the highway after just passing your test, or you have had more than a prang or two, you will pay more.

Generally, auto insurance offers coverage for injury, property damage, healthcare payments, personal injury, comprehensive physical damage and collision, with provisions to cover expenses if the accident happens to be the fault of an uninsured motorist. Policies can be customized to add features like roadside assistance, towing services and rental car compensation. Premiums usually become cheaper over time, especially if you don’t get into any accidents, since the insurance provider considers you to be a less risky driver.The best way to get the cheapest car insurance is to ask for a lower price and check the policy.

Here are some of best options to choose from to suit your auto insurance needs:

Name

Features

Nationwide

  • Low auto insurance rates, including good student and multi-policy discounts.
  • Rewarding safe drivers by giving them $100 for every year of safe driving.
  • As a member, you can update your account quickly and easily when and where you want, get answers to your questions, catch up on what we’re doing today and see what it means to be a member

State Farm

  • Customers will receive an initial discount of up to 5% when they sign up for the program
  • If you are a new State Farm customer, you will receive this discount if you’ve gone at least three years with no moving violations and no at-fault accidents.
  • Save up to 25% when you get good grades. The savings last even after you graduate from college, until you turn 25.
  • The amount of coverage and the deductibles you choose will affect the price you pay. A State Farm agent can give you the information you need to make smart choices based on your budget. Or you can get an online car insurance quote to see how your decisions affect the bottom line.

Metromile

  • Offers pay-per-mile car insurance designed for drivers who log fewer than 10,000 miles a year
  • Company sells coverage in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington. Metromile car insurance prices include two parts: a level base rate, plus a per-mile rate, which is typically a few cents per mile.
  • To track mileage, the company provides a device called the Metromile Pulse, which plugs into a port that’s usually located below the dashboard.
  • The device transmits data back to the insurer. Metromile’s customers save $500 a year on average compared with standard insurance rates, the company says.

Geico

  • Low cost for good coverage
  • Friendly customer service
  • Trustworthy brand
  • Roadside assistance for $5 more on a six month policy for reimbursement of up to $100 per incident.
  • Rental reimbursement for one of several plan types. On a six month policy, it would cost $11 more for coverage of $25 per day/$750 per incident, $13 for $30/$900, $15 for $35/$1,050, $19 for $45/$1,350, or $21 for $50/$1,500.

Best Car Insurance Rates

The rates are sampled from select cities across the country, so your actual quote will differ based on your driving history and where you live. Alternatively you can enter your information in the form below to get quotes from insurers that serve your area.

Insurers

Single Female, 20 Single Male, 30 Married, 40 Married, 65 Average
GEICO $1,464 $605 $600 $576

$810

State Farm

$1,656 $696 $684 $612 $912
Nationwide $1,800 $864 $852 $804

$1,080

Allstate

$2,064 $1,080 $972 $984 $1,275

MetLife

$3,888 $1,428 $1,116 $984

$1,854

Amica $3,048 $780 $804 $780

$1,353

Erie

$1,660 $744 $708 $744

$964

Safe Auto

$4,068 $2,268 $1,860 $1,848

$2,511

National General

$2,460 $1,152 $900 $804 $1,329
To find the best car insurance companies & rates, you must:
  • Decide What Kind of Insurer You Want

  • Evaluate Their Complaint Ratios and Industry Awards in Your State

  • Get Quotes & Negotiate Rates and Ask for Discounts

These are just some of the few options you can check out while comparing cheap car insurances and select one according to one’s needs. You can also try to get some additional bonuses by seeing if your insurance cover offers some cash back while you pay upfront. Every extra thing item like Breakdown cover , windscreen cover ,Theft from the car adds to the premium. So it would be better to check that your not paying double for your extras and only paying for what you need. If you’re shopping for a new car, look for a vehicle with certain safety features, such as anti-lock brakes or airbags, which make the car safer. Some drivers may qualify for discounts after successfully completing a defensive driving course.

What’s Near By

Frequently Asked Questions

The required coverage varies by state. Most states require at least a minimum amount of liability insurance, while some states, such as Massachusetts, also require a minimum amount of personal injury protection coverage (also referred to as PIP insurance). Each state sets its own level for minimum coverage for various portions of insurance.

Yes, there are different insurance coverage types and they are as follows Bodily Liability, Property Damage Liability, Comprehensive, Collision and Uninsured & Underinsured.

You must carry the minimum car insurance coverage limits required by law, which varies by state. After you have met the minimum legal requirements, you can choose to increase your coverage limits for greater reimbursement potential. For additional protection, you can also choose to add additional car insurance coverage, such as comp and collision,

View All Questions

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