How to Get Cheap Car Insurance For Young Drivers

Young drivers can be added to their parents car insurance plans and can find incentives from auto insurance providers to lower their premiums.
Written by Brady Klopfer
Reviewed by Carrie Adkins
The cheapest way to insure a young driver is to add them to their parents' insurance policy.
Insuring
young drivers
isn’t the cheapest or easiest thing in the world. Young drivers are inexperienced, and at times reckless, which means that they’re the demographic most likely to be involved in an accident. Because of this, auto insurance companies charge the most to cover young drivers.
Even though young drivers can be costly to insure, you can still find a good deal. And just as importantly, you’ll want to find a good plan, one that really covers the car that will be driven. Thankfully, finding auto insurance for a young driver is an easy process, especially with the following young driver car insurance tips.
Read on to learn how to get cheap insurance for a young driver, with a little help from
car insurance
comparison shopping app
Jerry
.
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How to find good insurance for young drivers

Here's some of the best car insurance advice for young drivers.

Shop around

The best way to find any car insurance plan is to shop around. When it comes to young drivers, the way to do this is to start with the
auto insurance plan
of the parents, assuming the driver has a good relationship with them.
Adding a young driver to a family auto insurance plan is the most affordable way to find affordable coverage for the driver. It will increase prices on the overall policy, so some parents may not agree to it. However, the overall cost for the young driver will be lower.

Look for discounts

Auto insurance companies will offer
discounts
to families who have
multiple people
on one plan. If you have multiple vehicles, you can put the young driver on the insurance plan of the safest one, which lowers the rates as well.

Check for incentives

If it doesn’t make sense for a young driver to be on a family car insurance plan, then the next best thing is to check with multiple auto insurance companies and see what kinds of incentives and prices they can offer.

Take a safety course

Many auto insurance providers will give young drivers discounted rates if they take a safety course, or if they’ve never been in an accident before.
Many car insurance companies even lower their prices for young drivers who are earning
good grades
.
If you have a young driver in your life, they're more likely to be in an accident. Because of this, it’s extra critical that they get insured. The last thing you want is an inexperienced driver on the road with no financial coverage.

FAQs

Why is insurance for young drivers so expensive?

The truth is, young drivers are regarded as far more of a driving risk. They're less experienced, get into accidents at a higher rate, and are generally considered reckless — no matter how good of a driver they actually are. Insurance companies tend to take advantage of those assumptions.

How much does young driver insurance cost?

It depends! If you're working with the best insurance company, young driver insurance really doesn't have to be that expensive. However, you'll usually need a plethora of discounts and package deals for young drivers to ensure that you get the best rate. You can also shop around using the Jerry app to save!

How to get really cheap car insurance for young drivers

If you shop around, you’ll be able to find a car insurance package that is ideal for a young driver in need of auto insurance coverage. Don't settle for the first quote you get. Collect quotes from multiple car insurance companies before you decide.
If you want to speed up the process of collection quotes and dealing with paperwork, try the
Jerry
app.
Jerry is the easiest and most effective way to find a car insurance policy that is customized for you.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy! So why do all that extra work when Jerry can do it better?
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