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 a new driver moving out on your own, consider home insurance for first-time buyers to protect your new place affordably.
What Impacts Insurance Rates for New Drivers?
Rates depend on your age, ZIP code, type of car, and driving history. Many providers—like Geico, Progressive, and Allstate—offer discounts for new and teen drivers. Some companies also reward good grades, defensive driving courses, or safe driving with lower premiums.
When comparing quotes, check how long each offer is valid—see how long an Allstate quote is valid for the best timing.
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.
Companies like State Farm offer big savings for students with strong academics or safe records.
Best Providers for New and First-Time Drivers
Always compare quotes—rates and discounts vary widely. Some insurers use telematics programs (like Allstate Drivewise or Progressive Snapshot) to reward real-world safe driving. If you need fast or flexible approval, try The General, known for helping high-risk and new drivers.
If you want no-frills, basic protection, companies like Safeway also offer affordable policies for new drivers.
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
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?
Often, joining a parent’s policy is 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.
Still not sure? Visit our insurance companies directory to compare 25+ providers for new drivers and see real ratings and reviews.