Compare Auto Insurance for New Drivers
Finding affordable auto insurance for new drivers is often challenging. With little or no driving record, rates can be high—especially for young or teen drivers. The smartest way to save is to compare multiple quotes and take advantage of every discount for new drivers.
Get Your New Driver Insurance Quote
Use the ZIP code form below to see rates tailored to new and inexperienced drivers. Whether you’re a first-time driver, a student, or recently licensed, these quotes reflect your area and driver profile.
Instantly compare rates for new drivers in your ZIP code.
If you’re moving out on your own, consider protecting your place too—start with our California auto guide to see how state rules affect pricing and discounts.
What Impacts Insurance Rates for New Drivers?
Rates depend on your age, ZIP code, vehicle, and driving history. Many providers—like Geico quotes and Progressive rates—offer savings tailored to new and teen drivers. Some companies also reward good grades, defensive driving courses, or safe driving with lower premiums. Quote windows typically last a few weeks; verify the validity period so you can lock pricing before it expires.
How to Lower Your New Driver Premium
- Keep good grades—student discounts can cut costs.
- Take a defensive driving course for an extra discount.
- Join a parent’s policy if possible—it’s usually much cheaper.
- Compare multiple insurers to find the best rate for your area.
Brands like State Farm quotes offer strong savings paths for students with solid academics or safe records.
Best Providers for New and First-Time Drivers
Always compare quotes—rates and discounts vary widely. Telematics programs (e.g., Drivewise, Snapshot) can reward real-world safe driving. If you need flexible approval, try The General options, known for helping high-risk and new drivers.
Prefer no-frills basics? Some regional carriers keep pricing lean for simple liability setups—check your ZIP to uncover those local values.
| Provider | Ideal For | Average Monthly Cost* | Key Perk |
|---|---|---|---|
| Geico | Students & young drivers | $120–$150 | Good student & safe driver discounts |
| Progressive | Telematics users | $135–$160 | Snapshot program for safe driving |
| State Farm | New drivers under 25 | $110–$145 | Strong student & defensive driver savings |
| The General | High-risk or first-time applicants | $145–$175 | Fast approval for limited history |
*Average costs vary by state, ZIP code, and driver profile.
Choose the Coverage You Really Need
Start with required liability coverage, but consider extras like roadside assistance or uninsured motorist protection. Use our quote tool to build a policy that fits your needs and budget, then add or remove features until the price feels right.
FAQ: New Driver Car Insurance
Below you’ll find concise answers to the most common questions first-time and teen drivers ask—read these before you bind a policy so you don’t miss easy savings or essential coverages.
Why is car insurance so expensive for new drivers?
New drivers usually pay higher rates because they have little or no driving history, which means more risk for insurers. The good news is you can reduce costs by keeping a clean record, getting good grades, and shopping around for the best discounts.
What’s the cheapest way for a new driver to get insured?
Joining a parent’s policy is often cheapest for teens and young adults. If you’re on your own, compare quotes, look for student and safe driver discounts, and consider telematics programs that reward careful driving.
How can a new driver qualify for more discounts?
Maintain good grades, complete a defensive driving course, keep a clean driving record, and ask about discounts for paying in full or enrolling in paperless billing. Many insurers also offer savings for low annual mileage.