Cheap Car Insurance for Young Male Drivers

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Car insurance for young males

On average, young male drivers pay $296 more every six months than the average driver in the US. Because of the risk young male drivers present to an insurance company, they’re typically charged higher premiums 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 on a policy.

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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, and should only be considered a jumping off point in your search for cheaper car insurance. Meaning, you should start — but not end — your search 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

 

 

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Additional ways to save

Although choosing the right insurer will absolutely be the best way to save on a policy, there are other things you should consider in your search for car insurance.

 

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, especially an at-fault accident that increases your car insurance rates, 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 their GPA is above a 3.0. In the eyes of an insurer, a teenage driver with good grades is statistically less likely to get into a car accident, making them eligible for a student discount. 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 to learn safe driving techniques. 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, generally the cheapest kind of car to insure for any driver is an older sedan. Any vehicle you do not need to insure with collision and comprehensive insurance will always ensure a cheaper premium.

 

Consider telematics

Telematics are mobile or in-car devices that use your driving habits to determine your car insurance premiums for usage-based insurance companies. 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 at night, telematics might be a good way for you to save. For more information, see here.

 

Shop every six months

Because you or your young male driver’s premium will continually decrease, it will be important to shop around for an insurance policy every six 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.

 

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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, driving 12,000/year
  • Father's Vehicle: 2015 Toyota Crewmax, owned, driving 12,000/year
  • Driving Record: no car accidents or citations
  • 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 female and one male. Here is the information:

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

Recent Questions:

Car Insurance for Young Male Drivers

How old does a child have to be to gift a vehicle to them?

Texas requires a vehicle owner to be at least 18 years old. If under that, they will need a legal adult to be on the papers. If you have any questions, don't hesitate to ask.

My son has moved out on bad terms. Should I still keep him on my insurance?

If your son's vehicle is registered in your name, I would keep it insured. Florida will suspend the license of the registered person if a vehicle isn't insured.

My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?

If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.

If I'm uninsured and the person at-fault for the accident is insured, how do I get my car fixed?

Nothing would change in the way the claim should be handled, as far as damages are concerned. Any trouble he is in for not having insurance would be a separate issue.

Additional Resources:

Car Insurance for Young Male Drivers

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