Cheap Car Insurance for Young Male Drivers

Find affordable insurance for expensive drivers

Car insurance for young males

On average, young male drivers pay $296 more per 6-months than the average driver in the US. Because of the risk young male drivers present to an insurance company, they’re typically charged a higher premium than young female drivers. While over time, the premium difference between male and female drivers subsides, it can still be very expensive to find cheap car insurance as a young male driver. So, let’s explore the cheapest car insurance companies and additional ways to save.

chart2

 

Cheapest companies for male drivers

Using a methodology outlined here, we discovered that GEICO is the cheapest company for young male drivers – all other metrics constant. Outlined below, this data is based on a 17-year-old on his parent’s car insurance policy should only be considered a jumping off point in your search for car insurance. Meaning, you should start – but not end – your search for car insurance with GEICO.

Car insurance providerAverage 6-month premium
Geico$1,022
Progressive$1,289
State Farm$3,200
Allstate$2,447
Liberty Mutual$1,787

 

 

Compare over 200 insurance companies at once!

 

Additional ways to save

Although choosing the right company will absolutely be the best way to save on car insurance, there are other things you should consider.

 

Choose your coverage carefully

There are two parts to this advice. First, you should consider the value of you or your young male’s vehicle before assuming what coverage you need. Generally, if a vehicle is worth less than $4,000, you do not need comprehensive or collision coverage. These coverages are not required by law and only work to protect the physical value of your vehicle. If the vehicle isn’t worth much to begin with you are paying for coverage you do not need.

The second part to this is considering adding additional coverage. If you’re worried about your young male driver getting into an accident and causing your rates to increase, you should look into accident forgiveness. The specific details of this coverage will vary based on your company, but it could offer some peace of mind.

 

Look for a good driver and good student discount

Most car insurance companies offer good student discounts for drivers between the ages of 16-25 if your GPA is above a 3.0. In the eyes of an insurance company, a teenage driver with good grades is statistically less likely to get into a car accident. For more information relating to this discount, see here.

A good driver discount requires you or your young teen drivers to take a defensive driving course. Insurance companies view young drivers who have completed a defensive driving course as less likely to drive recklessly, file a claim, or receive a citation. Thus, they are less expensive clients.

A good driver discount specifically applies if you have taken an insurance company approved driving course. Insurance companies see young drivers who have taken a defensive driving course as less likely to receive moving violations or get into an accident. The exact requirements and specifications for this discount vary, so consult your insurance company for details!

 

Average Savings for Good Driver and Good Driver Student

Age

Male

Female

16

$439

$248

17

$348

$222

18

$338

$197

 

Choose a moderate vehicle

While it will vary, the cheapest cars to insure for any driver is an older sedan. Any vehicle you do not need to insure with collision and comprehensive insurance will always insure a cheaper premium.

 

Consider telematics

Telematics are mobile or in-car devices that use your driving habits to determine your car insurance premiums. In theory, if you’re a safer driver, your premium could be lowered to reflect that. If your teen drivers do not accelerate rapidly, brake harshly, or drive late a night, telematics might be a good way for you to save. For more information, see here.

 

Shop every 6-months

Because you or your young male driver’s premium will continually decrease, it will be important to shop around for car insurance every 6-months to ensure you’re getting the best possible rate. Use our insurance comparison calculator below by entering your zip code to see quotes from dozens of local and national insurance companies.

 

Compare over 200 insurance companies at once!

 

Related content

If you’re looking for more ways to save money on car insurance, see our related content below.

 

Methodology

We randomly selected five US ZIP codes and assessed rates from the five most popular companies in the US (based on net premiums written):

  • Columbus, OH - 43216
  • McKinney, TX - 75070
  • Fresno, CA - 75070
  • Scranton, PA - 93722
  • Aurora, CO - 80013

We built our teenage driver profiles as one male and one female, in a family with two parents and two vehicles. This is the information we chose to use:

  • Parent's DOB: 08/01/1960
  • Mother's Vehicle: 2015 Toyota Sienna LE, owned, 12,000/year
  • Father's Vehicle: 2015 Toyota Crewmax, owned, driving 12,000/year
  • Driving Record: no accidents or citation
  • Education: BA
  • Licensed at: 16
  • Occupation: Manager Level - Accounting
  • Insurance History: Max amount selectable of previous years with insurance company, limits at 100/300/100

Next, we needed to create the profile of the teen drivers; one that is female and male. Here is the information:

  • Teen's DOB: 08/01/2000
  • Teen's: 2015 Toyota Camry, owned, 12,000/year
  • Driving Record: no accidents or citation
  • Education: Above B Above
  • Licensed at: 17
  • Occupation: None

Recent Questions:

Car Insurance for Young Male Drivers

Will my son’s accident on my policy affect my rates?

Jan 30, 2019
Belvidere, IL

My son had a minor accident, it was his fault for not making a stop on time. But the insurance ...

Can my insurance company make me carry insurance on my 20yr son living w/me?

Jan 24, 2019
Pleasant View, TN

He has never driven my car. He has his own ins and car. They charged me an extra 165 and ...

Can I insure my son’s business vehicle?

Jan 22, 2019
Pawleys Island, SC

My son has had a couple of accidents. He wants me to purchase a car and get it insured with ...

Does the name on the title affect car insurance rates?

Jan 17, 2019
Bellmawr, NJ

Will our insurance rates go up if I title the car in my son’s name? He is on my insurance ...

Additional Resources:

Car Insurance for Young Male Drivers

What is the State of Auto Insurance in 2018?
What is the State of Auto Insurance in 2018?
Feb 06, 2018

Well, we’ve done it again. We’ve gone and gotten super curious about how car insurance is impacting the 250 million...

What Happens if You Crash a Zipcar?
What Happens if You Crash a Zipcar?
Jan 09, 2018

Car sharing services like Zipcar and Car2Go allow city dwellers to forego car ownership without losing all of the perks....

What I Learned After Totaling My Car 450 Miles from Home
What I Learned After Totaling My Car 450 Miles from Home
Jan 03, 2018

This past May, I took a road trip from Rhode Island to West Virginia to attend a friend’s wedding. Despite...

Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Do Keyless Ignitions Actually Put Your Car – and Your Life – at Higher Risk?
Dec 14, 2017

No broken windows. No lengthy process of wedging the door open. No hotwiring, no alarm, no concerned passerby dialing 911....

How to File a Car Insurance Claim: Steps, Timing, and Costs to Expect
How to File a Car Insurance Claim: Steps, Timing, and Costs to Expect
Dec 01, 2017

You get in an accident or your car is pummeled with hail. You need to figure out how to get...

Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Introducing the Insurability Score: Your Insurance Risk Decoder
Introducing the Insurability Score: Your Insurance Risk Decoder
Oct 24, 2017

Today, The Zebra debuted the Insurability Score™, a personalized calculation which reveals to drivers what is affecting their insurance risk,...

6 Things to Know Before You Get Car Insurance
6 Things to Know Before You Get Car Insurance
Oct 04, 2017

Let’s get one thing out there. No one is especially psyched to get car insurance. You get it because it’s...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

Car Warranty vs. Insurance: Which You Need and When
Car Warranty vs. Insurance: Which You Need and When
Sep 07, 2017

Anyone who has ever owned a “lemon” (a car that’s a dud) knows how stressful and costly car repairs can...

Religious Exemptions for Car Insurance: Are They Legal?
Religious Exemptions for Car Insurance: Are They Legal?
Aug 09, 2017

In nearly every conceivable scenario, if you’re driving around in a motor vehicle, there is no reason why you should...

Does Your Car Insurance Policy Cover Flooding?
Does Your Car Insurance Policy Cover Flooding?
Aug 07, 2017

If you don’t live in a flood plain, making sure your car insurance covers flood damage might be low on...

Can Your Bank Force You to Get Car Insurance?
Can Your Bank Force You to Get Car Insurance?
Aug 03, 2017

Wells Fargo is now finding themselves in hot water over the recent reports that they charged over 570,000 customers for...

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

When Can You Let Your Friend Drive Your Car (and When Shouldn’t You)?
When Can You Let Your Friend Drive Your Car (and When Shouldn’t You)?
Jul 26, 2017

It’s not uncommon for your friend to share your clothes, your skillet, or your favorite movie. And for those types...

Does Your Credit Score Affect Your Car Insurance Rate?
Does Your Credit Score Affect Your Car Insurance Rate?
Jul 19, 2017

You know you need good credit to take out a loan, a mortgage, or your friend with expensive taste. But...

What Are Your Options When Your Car Lease Ends?
What Are Your Options When Your Car Lease Ends?
Jul 17, 2017

Of course there are many reasons you might want to lease your car. Perhaps you like the idea of driving...

How Do Car Insurance Companies Determine Rates?
How Do Car Insurance Companies Determine Rates?
Jun 15, 2017

If you’re one of the 250 million drivers in the United States, you’re required by law to have car insurance....

CLUE Report: Why Does it Matter for Your Home and Auto Insurance?
CLUE Report: Why Does it Matter for Your Home and Auto Insurance?
Jun 06, 2017

When searching for an insurance policy, it’s important for consumers to do their due diligence and compare quotes before choosing...

Car Insurance for Seniors
Car Insurance for Seniors
May 26, 2017

Some senior stats for you: By 2030, one in five Americans will be over 65. The first of the baby...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

6 Reasons to Leave Your Car Insurance Company
6 Reasons to Leave Your Car Insurance Company
May 05, 2017

You might be familiar with a few scenarios that could make your auto insurance rates change: You bought a new...

5 Tips to Consider Before Financing Your Car
5 Tips to Consider Before Financing Your Car
Apr 21, 2017

Buying a new (or new-to-you) car can be an overwhelming process. First, you need to research all your options to...

7 Car Rental Mistakes That Could Cost You
7 Car Rental Mistakes That Could Cost You
Apr 11, 2017

Rental cars offer tremendous convenience. Whether you need a vehicle to help you explore a vacation destination or get you...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...