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The best car insurance for young drivers

Updated Nov 01, 2024
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Key takeaways

  • Motor vehicle crash deaths are near their peak among drivers aged 20 to 24, at a rate of 26.2 per 100,000 people for male drivers and 9.9 for female drivers. As a result, insurers charge high rates for this age group. (Insurance Institute for Highway Safety)
  • Progressive, Geico, Auto-Owners, State Farm and Nationwide tend to offer low average premiums and robust coverage options for young drivers.
  • If you’re a young adult, searching for carriers that offer discounts you qualify for can potentially help lower your rate.

With auto insurance rates on the rise in 2024, Bankrate's insurance editorial team focused on finding companies that offer competitively low premiums compared to the national average, which ranges from $4,972 per year for full coverage for 20-year-old drivers to $3,031 for 25-year-olds. We started by analyzing the latest average premium data available from Quadrant Information Services but also took into account coverage options, available discounts and expert third-party ratings for each carrier.

While the carriers below stand out as the best car insurance companies for the average young adult, keep in mind that your own insurance situation is unique. If you're on a parent's policy, are married or own your home, your rates could look different from the ones displayed here. It's always a good idea to go beyond average data and compare personalized quotes when choosing an insurer.

Best for digital tools

Bankrate Score

Rating: 4.4 stars out of 5
4.4

JD Power

672/1,000

Avg annual premium

$2,418

Full coverage

Although its premiums aren’t the lowest on our list, especially for full-coverage policies, Progressive may appeal to young drivers who prefer to handle their insurance needs digitally. Additionally, Progressive offers several discounts that could help you get a lower rate.

Progressive’s robust mobile app includes options to pay your bill, view your policy information, request changes, call for roadside assistance, file and track a claim and start a new quote. The company’s website is also user-friendly, with an online portal for customers and plenty of information about Progressive’s products.

Scores and Ratings
Bankrate Score 4.4
J.D. Power 672/1,000
AM Best Rating A+
Read full review
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Best for low rates

Bankrate Score

Rating: 4.4 stars out of 5
4.4

JD Power

692/1,000

Avg annual premium

$2,107

Full coverage

Geico offers some of the cheapest insurance for young drivers with a few years of experience. The company also offers a long list of discounts, including student discounts, that could help you lower your premium.

Recent college grads might also earn discounts for alumni association membership and fraternity or sorority affiliation. Young adults who are active-duty members of the U.S. Armed Forces could earn up to a 15 percent discount, along with additional savings when deployed.

Scores and Ratings
Bankrate Score 4.4
J.D. Power 692/1,000
AM Best Rating A++
Read full review
Plus Icon Collapse Icon
Best for discounts

Bankrate Score

Rating: 4.3 stars out of 5
4.3

JD Power

692/1,000

Avg annual premium

$1,775

Full coverage

Auto-Owners could be a good choice if you’re looking for a company with plenty of discount options. The company offers three dedicated savings programs for young drivers and a slew of other discounts that could help you save.

If you’re a full-time student with a “B” or better letter grade average, you may qualify for a good student discount. Students without a vehicle who are away at school over 100 miles from home are eligible for the student-away-at-school discount. Auto-Owners also offers a teen monitoring discount, which uses the vehicle’s GPS system to evaluate driving habits.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 692/1,000
AM Best Rating A++
Read full review
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Best for local agencies

Bankrate Score

Rating: 4.3 stars out of 5
4.3

JD Power

710/1,000

Avg annual premium

$3,060

Full coverage

If you like working with a local agent, State Farm might be a good choice for auto insurance for young adults. The company has a network of 19,000 agents throughout the U.S. who can help you with your auto insurance needs.

Young people often need help navigating the challenges of university life or leaving the nest to live on their own. State Farm makes life a little easier for young adults with an exceptional roadside assistance program. This covers battery jump starts, fuel delivery, locksmith service, towing and up to one hour of roadside mechanic’s labor.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 710/1,000
AM Best Rating A++
Read full review
Plus Icon Collapse Icon
Best for customized policies

Bankrate Score

Rating: 4 stars out of 5
4

JD Power

728/1,000

Avg annual premium

$1,934

Full coverage

If you are looking for an auto insurer with plenty of options for personalization, Nationwide might be a good fit. The company offers numerous coverage add-ons, like roadside assistance and gap insurance, to help create personalized car insurance for teens and young drivers.

Young adults may be able to save money on auto insurance when they enroll in Nationwide’s SmartRide program. The program uses an app to track acceleration, braking, idle time, mileage and nighttime driving. Drivers get a 10 percent discount on certain coverage types just for signing up for this telematics program and could earn up to a 40 percent discount on certain coverage types depending on their driving habits. Nationwide also offers a pay-per-mile insurance program called SmartMiles.

Scores and Ratings
Bankrate Score 4
J.D. Power 728/1,000
AM Best Rating A+
Read full review
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How much is car insurance for young drivers?

Young adults aged 20 to 25 pay between $3,031 and $4,972 per year, on average, for a standalone full-coverage auto insurance policy. For state minimum coverage, young adults pay between $830 and $1,410 per year.

While age and experience drive rates higher for young adults, other factors can influence how much you pay for coverage. Staying on a parent's policy is the easiest way to reduce the cost of car insurance for young adults. As long as your primary residence is the same as your parents' and any vehicle you drive is garaged there, you may be able to remain on the family policy.

Average annual premium for minimum coverage
$1,068
Average annual premium for full coverage
$3,705
Average annual premium for minimum coverage
$964
Average annual premium for full coverage
$3,392
Average annual premium for minimum coverage
$1,052
Average annual premium for full coverage
$3,804
Average annual premium for minimum coverage
$982
Average annual premium for full coverage
$3,574
Average annual premium for minimum coverage
$929
Average annual premium for full coverage
$3,391
Average annual premium for minimum coverage
$830
Average annual premium for full coverage
$3,031
* Rates for ages 20-21 are for the insured on their married parents’ policy and reflect the total cost of three drivers and one vehicle. Rates for ages 22-25 reflect the young drivers on their own policy, insuring one vehicle.

Average car insurance costs for young drivers by state

Location is another critical factor in determining auto insurance premiums. Every state has different insurance laws, including different minimum coverage requirements, which can impact the rates set by every auto insurance company. Additionally, the risk of getting into an accident may vary by location, including your state, city or even ZIP code.

The table below illustrates the average annual full coverage premium for young adults, analyzed by state.

20-year-old
$3,022
21-year-old
$2,895
22-year-old
$3,208
23-year-old
$3,002
24-year-old
$2,806
25-year-old
$2,651
20-year-old
$3,599
21-year-old
$3,185
22-year-old
$3,680
23-year-old
$3,442
24-year-old
$3,292
25-year-old
$2,781
20-year-old
$4,258
21-year-old
$4,017
22-year-old
$4,363
23-year-old
$4,082
24-year-old
$3,889
25-year-old
$3,427
20-year-old
$3,537
21-year-old
$3,098
22-year-old
$3,685
23-year-old
$3,444
24-year-old
$3,287
25-year-old
$3,058
20-year-old
$4,196
21-year-old
$3,837
22-year-old
$4,103
23-year-old
$3,942
24-year-old
$3,737
25-year-old
$3,518
20-year-old
$4,780
21-year-old
$4,578
22-year-old
$4,635
23-year-old
$4,344
24-year-old
$4,132
25-year-old
$3,676
20-year-old
$3,678
21-year-old
$3,573
22-year-old
$4,297
23-year-old
$4,007
24-year-old
$3,752
25-year-old
$3,442
20-year-old
$3,962
21-year-old
$3,640
22-year-old
$4,349
23-year-old
$3,931
24-year-old
$3,734
25-year-old
$3,250
20-year-old
$5,859
21-year-old
$5,505
22-year-old
$6,189
23-year-old
$5,764
24-year-old
$5,502
25-year-old
$4,990
20-year-old
$4,395
21-year-old
$4,084
22-year-old
$4,404
23-year-old
$4,102
24-year-old
$3,862
25-year-old
$3,495
20-year-old
$1,617
21-year-old
$1,602
22-year-old
$1,587
23-year-old
$1,587
24-year-old
$1,587
25-year-old
$1,587
20-year-old
$2,070
21-year-old
$1,880
22-year-old
$2,277
23-year-old
$2,101
24-year-old
$2,002
25-year-old
$1,737
20-year-old
$3,358
21-year-old
$3,046
22-year-old
$3,493
23-year-old
$3,266
24-year-old
$3,096
25-year-old
$2,705
20-year-old
$2,685
21-year-old
$2,441
22-year-old
$2,837
23-year-old
$2,754
24-year-old
$2,561
25-year-old
$2,187
20-year-old
$2,707
21-year-old
$2,581
22-year-old
$2,989
23-year-old
$2,811
24-year-old
$2,676
25-year-old
$2,340
20-year-old
$3,776
21-year-old
$3,524
22-year-old
$4,018
23-year-old
$3,762
24-year-old
$3,611
25-year-old
$3,153
20-year-old
$4,088
21-year-old
$3,615
22-year-old
$4,414
23-year-old
$4,137
24-year-old
$3,924
25-year-old
$3,414
20-year-old
$5,563
21-year-old
$5,002
22-year-old
$5,840
23-year-old
$5,544
24-year-old
$5,265
25-year-old
$4,525
20-year-old
$2,525
21-year-old
$2,180
22-year-old
$2,664
23-year-old
$2,520
24-year-old
$2,391
25-year-old
$2,021
20-year-old
$4,279
21-year-old
$3,815
22-year-old
$4,302
23-year-old
$3,926
24-year-old
$3,760
25-year-old
$3,337
20-year-old
$2,752
21-year-old
$2,750
22-year-old
$2,488
23-year-old
$2,400
24-year-old
$2,214
25-year-old
$2,150
20-year-old
$5,503
21-year-old
$4,790
22-year-old
$5,038
23-year-old
$4,618
24-year-old
$4,434
25-year-old
$3,627
20-year-old
$3,502
21-year-old
$3,185
22-year-old
$3,760
23-year-old
$3,494
24-year-old
$3,332
25-year-old
$2,931
20-year-old
$3,159
21-year-old
$3,020
22-year-old
$3,591
23-year-old
$3,425
24-year-old
$3,216
25-year-old
$2,922
20-year-old
$4,229
21-year-old
$3,810
22-year-old
$4,686
23-year-old
$4,472
24-year-old
$4,291
25-year-old
$3,826
20-year-old
$3,658
21-year-old
$3,133
22-year-old
$3,730
23-year-old
$3,456
24-year-old
$3,343
25-year-old
$2,769
20-year-old
$3,354
21-year-old
$3,137
22-year-old
$3,669
23-year-old
$3,434
24-year-old
$3,292
25-year-old
$2,858
20-year-old
$5,148
21-year-old
$4,766
22-year-old
$5,132
23-year-old
$4,677
24-year-old
$4,499
25-year-old
$3,964
20-year-old
$2,679
21-year-old
$2,343
22-year-old
$2,909
23-year-old
$2,752
24-year-old
$2,596
25-year-old
$2,247
20-year-old
$4,425
21-year-old
$3,937
22-year-old
$4,335
23-year-old
$4,007
24-year-old
$3,792
25-year-old
$3,342
20-year-old
$3,324
21-year-old
$3,172
22-year-old
$3,713
23-year-old
$3,473
24-year-old
$3,410
25-year-old
$2,869
20-year-old
$5,526
21-year-old
$5,051
22-year-old
$5,579
23-year-old
$5,220
24-year-old
$4,958
25-year-old
$4,457
20-year-old
$2,617
21-year-old
$2,483
22-year-old
$2,414
23-year-old
$2,378
24-year-old
$2,308
25-year-old
$2,246
20-year-old
$2,688
21-year-old
$2,564
22-year-old
$2,959
23-year-old
$2,705
24-year-old
$2,582
25-year-old
$2,327
20-year-old
$2,630
21-year-old
$2,401
22-year-old
$2,577
23-year-old
$2,430
24-year-old
$2,263
25-year-old
$1,939
20-year-old
$3,808
21-year-old
$3,504
22-year-old
$4,127
23-year-old
$3,875
24-year-old
$3,701
25-year-old
$3,203
20-year-old
$2,981
21-year-old
$2,864
22-year-old
$3,152
23-year-old
$2,896
24-year-old
$2,755
25-year-old
$2,464
20-year-old
$3,865
21-year-old
$3,459
22-year-old
$3,958
23-year-old
$3,733
24-year-old
$3,564
25-year-old
$3,042
20-year-old
$4,275
21-year-old
$3,726
22-year-old
$4,565
23-year-old
$4,143
24-year-old
$3,953
25-year-old
$3,371
20-year-old
$2,881
21-year-old
$2,598
22-year-old
$2,977
23-year-old
$2,775
24-year-old
$2,648
25-year-old
$2,406
20-year-old
$3,103
21-year-old
$3,046
22-year-old
$3,342
23-year-old
$3,106
24-year-old
$3,005
25-year-old
$2,705
20-year-old
$3,296
21-year-old
$3,042
22-year-old
$3,416
23-year-old
$3,204
24-year-old
$2,969
25-year-old
$2,595
20-year-old
$3,875
21-year-old
$3,488
22-year-old
$4,139
23-year-old
$3,847
24-year-old
$3,589
25-year-old
$3,225
20-year-old
$3,621
21-year-old
$3,290
22-year-old
$3,503
23-year-old
$3,262
24-year-old
$3,025
25-year-old
$2,640
20-year-old
$2,384
21-year-old
$2,010
22-year-old
$2,336
23-year-old
$2,226
24-year-old
$2,141
25-year-old
$1,758
20-year-old
$3,489
21-year-old
$2,894
22-year-old
$3,532
23-year-old
$3,289
24-year-old
$3,144
25-year-old
$2,699
20-year-old
$2,708
21-year-old
$2,406
22-year-old
$2,962
23-year-old
$2,782
24-year-old
$2,638
25-year-old
$2,274
20-year-old
$3,140
21-year-old
$2,975
22-year-old
$3,439
23-year-old
$3,253
24-year-old
$3,048
25-year-old
$2,615
20-year-old
$2,798
21-year-old
$2,619
22-year-old
$3,090
23-year-old
$2,867
24-year-old
$2,726
25-year-old
$2,373
20-year-old
$2,450
21-year-old
$2,263
22-year-old
$2,760
23-year-old
$2,566
24-year-old
$2,456
25-year-old
$1,968
20-year-old
$4,272
21-year-old
$4,027
22-year-old
$4,368
23-year-old
$4,054
24-year-old
$3,784
25-year-old
$3,299
20-year-old
$1,617
21-year-old
$1,602
22-year-old
$1,587
23-year-old
$1,587
24-year-old
$1,587
25-year-old
$1,587
20-year-old
$2,070
21-year-old
$1,880
22-year-old
$2,277
23-year-old
$2,101
24-year-old
$2,002
25-year-old
$1,737
20-year-old
$3,358
21-year-old
$3,046
22-year-old
$3,493
23-year-old
$3,266
24-year-old
$3,096
25-year-old
$2,705
20-year-old
$2,685
21-year-old
$2,441
22-year-old
$2,837
23-year-old
$2,754
24-year-old
$2,561
25-year-old
$2,187
20-year-old
$2,707
21-year-old
$2,581
22-year-old
$2,989
23-year-old
$2,811
24-year-old
$2,676
25-year-old
$2,340
20-year-old
$3,776
21-year-old
$3,524
22-year-old
$4,018
23-year-old
$3,762
24-year-old
$3,611
25-year-old
$3,153
20-year-old
$4,088
21-year-old
$3,615
22-year-old
$4,414
23-year-old
$4,137
24-year-old
$3,924
25-year-old
$3,414
20-year-old
$5,563
21-year-old
$5,002
22-year-old
$5,840
23-year-old
$5,544
24-year-old
$5,265
25-year-old
$4,525
20-year-old
$2,525
21-year-old
$2,180
22-year-old
$2,664
23-year-old
$2,520
24-year-old
$2,391
25-year-old
$2,021
20-year-old
$4,279
21-year-old
$3,815
22-year-old
$4,302
23-year-old
$3,926
24-year-old
$3,760
25-year-old
$3,337
20-year-old
$2,752
21-year-old
$2,750
22-year-old
$2,488
23-year-old
$2,400
24-year-old
$2,214
25-year-old
$2,150
20-year-old
$5,503
21-year-old
$4,790
22-year-old
$5,038
23-year-old
$4,618
24-year-old
$4,434
25-year-old
$3,627
20-year-old
$3,502
21-year-old
$3,185
22-year-old
$3,760
23-year-old
$3,494
24-year-old
$3,332
25-year-old
$2,931
20-year-old
$3,159
21-year-old
$3,020
22-year-old
$3,591
23-year-old
$3,425
24-year-old
$3,216
25-year-old
$2,922
20-year-old
$4,229
21-year-old
$3,810
22-year-old
$4,686
23-year-old
$4,472
24-year-old
$4,291
25-year-old
$3,826
20-year-old
$3,658
21-year-old
$3,133
22-year-old
$3,730
23-year-old
$3,456
24-year-old
$3,343
25-year-old
$2,769
20-year-old
$3,354
21-year-old
$3,137
22-year-old
$3,669
23-year-old
$3,434
24-year-old
$3,292
25-year-old
$2,858
20-year-old
$5,148
21-year-old
$4,766
22-year-old
$5,132
23-year-old
$4,677
24-year-old
$4,499
25-year-old
$3,964
20-year-old
$2,679
21-year-old
$2,343
22-year-old
$2,909
23-year-old
$2,752
24-year-old
$2,596
25-year-old
$2,247
20-year-old
$4,425
21-year-old
$3,937
22-year-old
$4,335
23-year-old
$4,007
24-year-old
$3,792
25-year-old
$3,342
20-year-old
$3,324
21-year-old
$3,172
22-year-old
$3,713
23-year-old
$3,473
24-year-old
$3,410
25-year-old
$2,869
20-year-old
$5,526
21-year-old
$5,051
22-year-old
$5,579
23-year-old
$5,220
24-year-old
$4,958
25-year-old
$4,457
20-year-old
$2,617
21-year-old
$2,483
22-year-old
$2,414
23-year-old
$2,378
24-year-old
$2,308
25-year-old
$2,246
20-year-old
$2,688
21-year-old
$2,564
22-year-old
$2,959
23-year-old
$2,705
24-year-old
$2,582
25-year-old
$2,327
20-year-old
$2,630
21-year-old
$2,401
22-year-old
$2,577
23-year-old
$2,430
24-year-old
$2,263
25-year-old
$1,939
20-year-old
$3,808
21-year-old
$3,504
22-year-old
$4,127
23-year-old
$3,875
24-year-old
$3,701
25-year-old
$3,203
20-year-old
$2,981
21-year-old
$2,864
22-year-old
$3,152
23-year-old
$2,896
24-year-old
$2,755
25-year-old
$2,464
20-year-old
$3,865
21-year-old
$3,459
22-year-old
$3,958
23-year-old
$3,733
24-year-old
$3,564
25-year-old
$3,042
20-year-old
$4,275
21-year-old
$3,726
22-year-old
$4,565
23-year-old
$4,143
24-year-old
$3,953
25-year-old
$3,371
20-year-old
$2,881
21-year-old
$2,598
22-year-old
$2,977
23-year-old
$2,775
24-year-old
$2,648
25-year-old
$2,406
20-year-old
$3,103
21-year-old
$3,046
22-year-old
$3,342
23-year-old
$3,106
24-year-old
$3,005
25-year-old
$2,705
20-year-old
$3,296
21-year-old
$3,042
22-year-old
$3,416
23-year-old
$3,204
24-year-old
$2,969
25-year-old
$2,595
20-year-old
$3,875
21-year-old
$3,488
22-year-old
$4,139
23-year-old
$3,847
24-year-old
$3,589
25-year-old
$3,225
20-year-old
$3,621
21-year-old
$3,290
22-year-old
$3,503
23-year-old
$3,262
24-year-old
$3,025
25-year-old
$2,640
20-year-old
$2,384
21-year-old
$2,010
22-year-old
$2,336
23-year-old
$2,226
24-year-old
$2,141
25-year-old
$1,758
20-year-old
$3,489
21-year-old
$2,894
22-year-old
$3,532
23-year-old
$3,289
24-year-old
$3,144
25-year-old
$2,699
20-year-old
$2,708
21-year-old
$2,406
22-year-old
$2,962
23-year-old
$2,782
24-year-old
$2,638
25-year-old
$2,274
20-year-old
$3,140
21-year-old
$2,975
22-year-old
$3,439
23-year-old
$3,253
24-year-old
$3,048
25-year-old
$2,615
20-year-old
$2,798
21-year-old
$2,619
22-year-old
$3,090
23-year-old
$2,867
24-year-old
$2,726
25-year-old
$2,373
20-year-old
$2,450
21-year-old
$2,263
22-year-old
$2,760
23-year-old
$2,566
24-year-old
$2,456
25-year-old
$1,968
20-year-old
$4,272
21-year-old
$4,027
22-year-old
$4,368
23-year-old
$4,054
24-year-old
$3,784
25-year-old
$3,299
*Hawaii and Massachusetts prohibit using age as a rating factor, but other factors may apply that cause rates to fluctuate. **Rates for ages 20-21 are for the insured on their married parents’ policy and reflect the total cost of three drivers and one vehicle. Rates for ages 22-25 reflect the young drivers on their own policy, insuring one vehicle.

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How are rates determined for young drivers?

Auto insurance rates for young adults are determined in the same way as they are for older drivers. Factors that influence car insurance premiums include:

  • Age: Typically, drivers who are 25 and younger pay more for car insurance because their lack of driving experience may put them at a greater risk for causing accidents than older drivers. They are also more likely to file a claim because they are typically not as established financially as older drivers. Hawaii and Massachusetts state regulations do not permit insurance companies to use age as a rating factor.
  • Vehicle make and model: Some cars are cheaper to insure than others. Before buying a vehicle, getting a quote from your insurance carrier may be a good idea to make sure you can afford the coverage.
  • Credit: Most states allow insurance carriers to use your credit-based insurance score when calculating your policy rate. People with poor credit typically pay much higher rates than consumers with good credit scores. Regulations in California, Hawaii and Massachusetts ban the use of credit as a factor in determining auto insurance rates. Car insurance companies in Michigan cannot use your actual credit score but can use factors that go into your credit rating.
  • Gender: Men usually pay higher rates than women pay for car insurance, even if they have clean driving records. Men are statistically more likely to get into accidents than women, and those accidents tend to be more severe. California, Hawaii, Massachusetts, Michigan, North Carolina and Pennsylvania ban the use of gender as a rating factor.
  • Location: If you live in an area with a high likelihood of accidents or damage caused by natural disasters, theft or vandalism, you may pay more for coverage. Additionally, every state has different insurance laws, which can affect premiums.
  • Mileage: The more you drive, the more likely you will have an accident due to being on the road more often. People who only use their cars occasionally may pay lower rates than people who are on the road more often.
  • Types and amount of coverage types: Drivers who purchase only the minimum required coverage types, such as bodily injury and property damage liability, generally pay less for auto insurance than motorists who also buy collision and comprehensive. Lenders will typically require you to buy collision and comprehensive insurance, and most insurance experts recommend purchasing more than the minimum amount of insurance required by law to better protect your finances. Your deductible for certain coverage types will also affect how much you pay.

Because these variables will change your rate from carrier to carrier, it can be helpful to get several quotes before settling on an auto insurer.

Car insurance discounts for young drivers

Almost every auto insurance company offers discounts to drivers, and some even offer discounts specifically for young drivers. Finding a company that offers the right discounts for your driving habits may be the best way to get cheap car insurance for young drivers.

  • Multi-car discounts: Most auto insurers offer a slight discount when you add multiple cars to a single policy. It does not fully offset the cost of insurance for each vehicle, but overall, the vehicles are cheaper to insure together.
  • Multi-policy discount: For drivers who rent an apartment and own a car, bundling their auto and renters insurance can be one way to make both policies more affordable.
  • Alumni association discounts: Many car insurance companies offer alumni association discounts for recent college graduates.
  • Good student discount: Most companies offer discounts for students who maintain a certain GPA or letter grade average. These student discounts are intended for full-time high school and college students and may save hundreds of dollars per year on insurance premiums.
  • Young driver safety training: Many companies offer discounts to students who have taken a driver education class or an approved driver training course. Most courses cover the rules of the road and teach young drivers to drive defensively.
  • Usage-based discounts: Usage-based rating is a relatively new way to potentially reduce your auto insurance premium. Carriers that offer these telematics programs require policyholders to use a mobile app or plugin device that monitors driving habits like acceleration, braking, speed and trip distance.
  • Distant student discount: Many auto insurers offer discounts for students who attend school away from home if they do not take a vehicle with them during the school term. You must be listed on your parents’ policy to take advantage of this discount.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 20-25 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

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Written by
R.E. Hawley
Senior writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Edited by Editor, Insurance
Reviewed by Expert Reviewer, CFA, CPA