Cheap Car Insurance for Teens

The thought of your teen driving can be scary — but finding insurance doesn't need to be.

What is cheap car insurance for teens?


The average teen pays $1,838 for car insurance on their parent's policy. If you're a male teen driver, you should expect to pay more than your female counterpart - $223 more. $1,949 for a 6-month policy for a male teen versus $1,726 for a female teen. Let's outline why males pay more, how to save, and the cheapest car insurance companies for teens. Spoiler alert: it's Geico


AVERAGE 6-MONTH CAR INSURANCE POLICY FOR TEEN
Car Insurance ProviderAverage 6-Month Premium
State Farm$2,999
Allstate$2,295
Geico$987
Progressive$1,231
Liberty Mutual$1,676



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How to find cheap car insurance for teens


  1. How much is car insurance for a male teen?
  2. How much is car insurance for a female teen?
  3. How to get cheap car insurance for teens
  4. Additional resources
  5. Methodology




Car Insurance for Male Teens


Male teen drivers typically pay more than female drivers because of the comparative risk they present. On average, adding your son to your policy will raise your rates $987.

Historically, male drivers are more likely to get into an accident and file a claim than female drivers. Because of this, an insurance company will charge a higher premium to protect themselves from future losses. On average, a male driver pays $37 more per month than a female teen driver. For a standard 6-month policy, this comes to over $200 in premium difference between a male and female teen.


Car Insurance ProviderAverage 6-Month Premium
State Farm$3,200
All State$2,447
Geico$1,022
Progressive$1,289
Liberty Mutual$1,787



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Car Insurance for Female Teens


While not as expensive as teenage male drivers, adding a young daughter on your policy can still increase your policy an average of $435. The cheapest car insurance company for female teens is again Geico - with an average 6-month premium at $952.


Car Insurance ProviderAverage 6-Month Premium
State Farm$2,799
All State$2,143
Geico$952
Progressive$1,174
Liberty Mutual$1,564



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How to find cheap car insurance for teens


Unfortunately, there is not much you can do to afford paying significantly more for teen drivers. However, there are a few steps you can do to lessen the financial blow. Let's get started.


Consider the following discounts:

Good Student Discount:

If your driver has the grades, typically over a 3.0, you might want to consider the Good Student Discount. Your insurer would require proof, such as a transcript, every 6 months in order to qualify. On average and combined with a good driver discount, you can expect an average savings of $283!

For more information on student discounts for top car insurance companies, see here.


AVERAGE SAVINGS FOR GOOD STUDENT AND DRIVER DISCOUNT
AgeMaleFemale
16$439$248
17$348$222
18$338$197
19$278$160


Defensive Driver Discount:

Another option is what’s called a defensive driver discount. Young drivers who have taken a professional driving course are less likely to receive a citation or get into an accident. The exact requirements and specifications for this discount vary, so consult your insurance company for details to get a cheaper rate.



Consider telematics

Telematics are small in-vehicle devices that monitor the way you drive in order to determine your premium. In theory, if you're a safe driver but have non-driving factors causing your premium to increase, your monthly rate can be lowered. Below are some popular companies with their listed average discount amount. Bear in mind, telematics is subject to state participation. Furthermore, there might be additional restrictions for teens depending on the company.


AVERAGE SAVINGS WITH TELEMATICS
ProgramAverage Savings
Progressive's SnapShotAverage of $130
Allstate's DrivewiseAverage of 10-25%
State Farm's Drive Safe & SaveUp to 15%
Esurance's DriveSenseVaries
Nationwide's SmartRideUp to 40%
Liberty Mutual's RightTrackAverage of 5-30%

If you're looking for additional information related to usage-based car insurance and telematics, see our guide here.


Choose a moderate vehicle

Insurance companies not only use you as a rating factor for determining premium but also your vehicle. If you’re interested in keeping your premium down it makes financial sense to chose a cheaper vehicle for less experienced drivers. Save the new trucks or luxury vehicles for more experienced drivers.


Keep your teen on your insurance policy

Although there are some reasons to exclude your teen drivers from your policy, the most cost-efficient solution is to keep them on your policy. Experienced drivers will help reduce the risk presented by a young driver and thus reduce your insurance bill.



Consider additional coverage

If you're not totally convinced by your teen's driving abilities, you may want to consider what's called accident forgiveness to your policy. While it varies by insurer and your state, this would "forgive" the first accident on your policy. Meaning, your rate wouldn't be raised just becaus you had an auto accident. There are some age and location restrictions to this policy.



Don't pay for coverage you don't need

If your new driver will be using an older vehicle, make sure you're not paying for coverage you do not need. Collision and comprehensive coverage are really only designed for leased, financed, or vehicles worth more than $4,000. The logic behind this is simple; if your vehicle isn't worth much to begin with, don't pay for coverage you do not need. You can determine the value of your vehicle by using online resources such as Kelley Blue Book and NADA online.



Shop Around

We encourage drivers of all ages to shop for car insurance every 6 months. Only with The Zebra can you look at hundreds of car insurance companies at once to make sure you're getting the best possible rate.




Compare over 200 insurance companies at once!





Summary


If you're looking for more information regarding car insurance with teens, see our related articles below.

Cheapest car insurance for 16-year-olds
Cheap car insurance for 17-year-olds
Cheap car insurance for 18-year-olds
Cheap car insurance for 19-year-olds




Recent Questions:

Cheap Car Insurance for Teens

Can my mom add me and my car to her policy?

Jan 24, 2019
Newberry, SC

My insurance is high by myself and I don’t know why I got a clean record. Will my mom be ...

Do I need my parent’s consent to get car insurance?

Jan 23, 2019
Norwalk, CT

So I don’t have a car and I just got my license but my parents won’t let me drive their ...

Can my daughter stay on my car insurance policy after I transfer the title of the car to her?

Jul 16, 2018
OFallon, MO

My daughter is going to be a freshman in college next fall and will be taking her car with her. ...

Lying about the primary driver on a car insurance policy wrong

Jul 14, 2018
Detroit, MI

My daughter bought a car but she couldn’t afford the insurance rates. Instead, I put the insurance policy on the ...

Additional Resources:

Cheap Car Insurance for Teens

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