Why is my car insurance so expensive as a teen with a clean record?

I'm an 18-year-old driver with no tickets or accidents. I recently wanted to purchase a sports car, but I was quoted $600 per month for insurance. Why is car insurance so expensive for a teen with a clean record?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Teen drivers are charged the highest insurance rates—no matter their driving record—because their inexperience makes them statistically the most likely to get into an accident.
Even so, it’s great that you’ve maintained a clean driving record thus far! If you continue to do so, you’ll see your car insurance premium get even less expensive as the years go by.
For the time being, here are some ways you could save on
car insurance costs
  • Get added to a parent’s policy instead of having your own policy: This will help build your insurance history, and the rate will be somewhat cheaper.
  • Assess your current coverage: While you don’t want to leave yourself underinsured, adjusting your coverage limits or forgoing full coverage on an old vehicle can lower your rate.
  • Take advantage of discounts: Taking an approved driving course or earning good grades as a full-time student are just a couple of ways young drivers can save.
  • Shop around for new quotes: You can sign up with
    to compare car insurance quotes from dozens of top insurers in one place. By doing so, you may find a more affordable policy.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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