10代の若者や若い成人の場合、自動車保険を購入するのが楽しいことはめったにありません。または 手頃な価格。これは、親の既存の保険に補償範囲を追加しようとしている人には当てはまりますが、自分で安い自動車保険を見つける必要がある若い成人にはさらに当てはまります。
若年成人向けの最高の安価な自動車保険を探している場合は、対象となる可能性のある割引を確認しながら、ポリシーとプランを比較する必要があります。
ここでは、若いドライバー向けの手頃な自動車保険の検索を開始する場所をいくつか紹介します。
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あなたが自動車保険に過剰に支払っていないことを確認してください-今日無料見積もりを入手してください。お住まいの地域をクリックして、お住まいの地域でトップランクの自動車保険会社と照合してください。 Get a Free Quote Today The companies listed below generally offer the best insurance for young drivers, but any one of them might not be competitive in the state you live in. Check with several insurers, and find a company who has the best coverage for the lowest premium in your state.
Geico is one of the most price competitive auto insurers on the market, and it offers quite a few discounts and programs for young drivers:
Progressive is well known for having some of the lowest auto insurance rates possible, including some of the cheapest auto insurance premiums for young adults. In terms of rates, pricing really comes down to the discounts it offers.
Safe Driver Discount. This discount is one of the most aggressive in the industry. You can save up to 31% on your premium if you haven’t had an at-fault accident or moving violation within the past three years. Most other insurance companies require at least five years without any incidents to qualify for this discount.
Additional Progressive discounts include:
Branch is a newer auto insurance provider that aims to increase transparency and lower costs for most drivers, including young adults. Founded in 2017, Branch lets customers buy insurance directly, which keeps costs down.
This company also lets you price out a policy in 30 seconds, and it boasts A+ ratings for financial strength. Branch also has an updated digital claims process that lets customers file and manage claims, online or through its mobile app, without the hassle of calling into a claims center.
Discounts. Branch doesn’t list many specific discounts you can qualify for other than a refer-a-friend program and a Community Pledge program. The Community Pledge program lets you accrue savings for each person who vouches you wouldn’t commit insurance fraud.
This provider promises to help consumers get the lowest pricing without bundling auto insurance with homeowners or renters insurance coverage. However, you do have the option to shop around with Branch for quotes on homeowners insurance, renters insurance, or umbrella insurance coverage as well.
Branch is only offering insurance in eight states right now:Arizona, Colorado, Illinois, Indiana, Missouri, Ohio, Oklahoma, and Texas.
Allstate offers a large number of discounts that help both teens and young adults get a break on their auto insurance costs. For example, you’ll get a discount if you’re under the age of 25 and a full-time student. Like most auto insurers, Allstate also offers a discount if you have good grades.
It also offers a discount if you maintain both auto and renter’s insurance with the company. There’s also a discount if you work for certain employers that offer special discount programs (check with your employer’s human resources department). You might even get a discount if you’re self-employed and work from home.
Still, Allstate is best known for is its Accident Forgiveness program. It doesn’t help you lower your premium at first, but your premium won’t increase if you have an accident. Just keep in mind that Accident Forgiveness applies only to your first accident.
Allstate also has a Safe Driving Bonus program. If you add this feature to your policy, you get a check in the mail every six months you don’t have an accident. This is Allstate’s way of incentivizing good driving habits.
One of the advantages with Esurance is it’s consistently one of the lowest-priced auto insurance carriers in the industry. This makes it highly likely that it’ll offer the best insurance for young drivers, too.
Esurance provides the following discounts:
Liberty Mutual has some interesting discounts, some of which can work perfectly for young drivers who need a break on their insurance premiums.
Here are a few discounts to ask about:
State Farm offers its Steer Clear program specifically for drivers under age 25. You can qualify if you don’t have any at-fault accidents or moving violations within the past three years. This discount can save you up to 20% off your auto insurance premiums. It won’t help you when you first sign up for a policy, but it’s certainly something to aim for.
A few other discounts offered by State Farm include:
Nationwide offers its own popular Accident Forgiveness program. It’s not available in all states, but it’s still one of the major benefits offered for teen drivers.
This is an important benefit since young drivers are statistically more likely to be involved in accidents than experienced drivers. Under the plan, your premium won’t increase after one accident (but only one !).
Nationwide offers its customers with additional discounts to reduce the cost of young driver coverage:
And, as is often the case, you can get proportionately less expensive coverage by remaining on your family’s auto insurance plan.
USAA offers several different discounts to young drivers who belong in military families, including the following:
Amica isn’t well known for having the cheapest auto insurance for young adults. However, it has many discounts that provide young drivers with a serious reduction in their auto insurance premiums.
Perhaps the most interesting discounts provided by Amica are its Loyalty discounts.Under the Loyalty Discount, you can qualify for a reduced rate after maintaining a policy with the company for at least two years. The discount increases the longer you’re with Amica. Its Legacy Discount is also available to drivers who are under age 30 and whose parents have had an Amica auto insurance policy for at least the past five years.
The average premium for young drivers varies depending on where you live, whether you remain on a parent’s policy, and other factors. A recent report from The Zebra shows just how much more expensive auto insurance can be for young people.
According to its most recent figures, drivers in the “teen” age group pay the most, with a typical 16-year-old driver paying an average of $5,744 per year for their own car insurance policy. Meanwhile, the average annual cost for all teeangers works out to $4,573, annually.
From there, each age group pays less and less for auto insurance premiums until drivers reach their 60s and prices increase slightly.
| Driver Age Group | Average Car Insurance Premium (Annual) |
| 20s | $1,887 |
| 30s | $1,449 |
| 40s | $1,394 |
| 50s | $1,298 |
| 60s | $1,315 |
| 70s | $1,523 |
| 80s | $1,765 |
The main reason young people pay the highest premiums for auto insurance is their general lack of driving experience. Driving requires a reflexive response and an undeniable level of intuition. As an inexperienced driver, young people haven’t developed those qualities.
Also, all insurance companies price their policies based on the risk the insured presents for the company. From an insurance company standpoint, there’s a lack of measurable driving history.
There’s no way to adequately assess the risk for someone who has never driven. Even for the young person who’s driven for just one or two years, the track record is considered insufficient to make a determination. That leads to higher rates lasting for several years.
Unfortunately, it also has to do with the driving habits of young adults themselves. They’re more likely to engage in distractions while driving. These can include talking on cell phones, texting, and adjusting entertainment media.
Interestingly, a Liberty Mutual survey discovered that teens are likely to follow the poor driving habits they see in their parents, heightening the risk of an accident on the road and impacting their coverage.
Parents who might have decades of driving experience are being watched by their less experienced teens. Young drivers then adopt the same dangerous driving habits like speeding, texting at stop lights, and failing to follow other traffic laws.
Safe driving is key to getting and maintaining affordable car insurance, period, but especially for young drivers.
Choosing the right insurance company’s the best way to get the best coverage for the lowest annual cost.
There are many discounts available through most providers. You can save big by taking advantage of available discounts, but you might have to ask your insurance provider to apply them to your policy.
Here are some other steps you can take as a new driver to save money on premiums:
These are just some of the auto insurance discounts for students, but there might be others depending on the company you choose for coverage. When you shop around for your auto insurance policy, make sure to ask which discounts you might be eligible for.
If you’re a parent who’d like to keep auto insurance costs low without sacrificing coverage, adding a teenager or a young adult to your policy can be frustrating. These tips can help you keep insurance costs down:
Although finding affordable auto insurance as a young person can be challenging, the high rates you might have to pay won’t last forever. You’re generally considered a high-risk driver until the age of 25. After that, you can expect your auto insurance premiums to decrease.
In the meantime, make sure you compare auto insurance quotes for the best rate. It might feel time-consuming to research and compare pricing, it’s the best way for anyone to get auto insurance at a price they can afford.