Best Cheap Car Insurance for Teens: Here’s What You Need to Know
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Do you have a new adolescent driver in the family ? Get ready for some serious dagger shock .
Our analysis of 93 cable car policy companies across the United States found an average monetary value of $ 2,072 per year to add a adolescent driver to a car indemnity policy. even in states known for humble cable car indemnity rates, you can expect your premiums to double when adding a adolescent driver.
Relax, none of this means you can ’ t find better prices. To uncover the best brassy car indemnity for teens, we evaluated large insurance companies based on price, customer atonement and engineering fundamentals like virtual car policy claims and digital ID cards .
Related: Compare Rates On Car Insurance With EverQuote
Nationwide
Why we picked it: Nationwide earned the circus tent descry on our ranking of the best cheap car insurance for teens thanks to excellent prices and a hard repute for good customer service. The company besides offers ace technical school fundamentals, like usage-based policy and pay-per-mile policy .
Potential drawbacks: We found none .
USAA
Why we picked it: USAA offers very good prices and is known for highly senior high school claims atonement. You ’ ll besides find good technical school fundamentals .
Potential drawbacks: USAA is only available to active members of the military, veterans and eligible syndicate members .
American Family
Why we picked it: good rates and commodity customer service makes American Family an attractive option for parents of adolescent drivers. The american Family Teen Safe Driver Program besides includes a mobile app that keeps track of your adolescent ’ s bad drive habits .
Potential drawbacks: Claims gratification was good, but it was lower than some early crown competitors .
Geico
Why we picked it: Geico offers identical good rates for adolescent drivers and excellent technical school fundamentals. In summation to the DriveEasy platform that rewards safe drivers, teens might enjoy the augment reality feature in the fluid app, which helps you find gas stations or locate your car in a crowded parking lot .
Potential drawbacks: Geico doesn ’ thyroxine have any noteworthy drawbacks, but parents of adolescent drivers may be able to find estimable rates among top competitors.
Read more: The Best Car Insurance Companies for 2022
Related: Compare Rates On Car Insurance With EverQuote
How to Add a Teen Driver to Your Car Insurance
A great way to cope with the sinking touch that comes with adolescent car insurance costs is to add your raw driver to your existing policy, quite than buying a distinguish policy for them .
Another way to cut costs is to wait until your adolescent gets their driver ’ s license to add them to your policy. In certain cases, however, a kid with a learner ’ second permit who isn ’ metric ton fully licensed however can be added to your policy at no cost .
here are six more tips for getting bum car policy for teens :
1. Compare Insurance Prices
To ease the fiscal hit of insuring a adolescent driver, compare quotes from several insurers. The annual bounty for two parents and a adolescent on the lapp car indemnity policy might be a few thousand dollars lower at one insurance company than another .
2. Explore Car Insurance Discounts
You might be able to score discounts if a adolescent driver is on your car policy policy. For example, your adolescent driver might qualify for a estimable scholar discount rate ( typically if they earn average grades in the A and B ranges ). besides, you might secure a discount rate if your adolescent driver successfully passes a prepare platform for adolescent drivers .
And if you ’ re not already doing indeed, you might consider bundling policies to earn a dismiss. An insurance company might offer discounts if, say, you insure your cable car and home with them ; this is known as pack .
3. Choose the Right Vehicle
Factors such as the age and model of a car can affect how much you pay for coverage. Your bank explanation might thank you if your adolescent winds up driving a 5-year-old compact SUV rather than a brand-new sports sedan .
4. Delay the Driver’s License
If your adolescent puts off getting a driver ’ mho license until age 17, rather than obtaining one at senesce 16, the car indemnity agio might be lower. The younger a driver is, the higher the premium much can be .
5. Bump Up the Deductible
Raising the deductible for the collision or comprehensive assign of your car policy policy—from $ 500 to $ 1,000, say—might reduce your premiums. It ’ second deserving noting that if you increase the deductible, you ’ ll end up paying more out of pocket when you file a claim after a crash.
6. Install an App
Some insurers offer apps that track driving behavior. If data collected by one of these apps shows that you and your adolescent are safe drivers, then the insurance company could reward you with a lower premium .
Related: Compare Rates On Car Insurance With EverQuote
Methodology
We rated the best cable car insurance companies for adolescent drivers based on :
- Auto insurance rates (75% of score). Average rates were based on a policy with 100/300/100 coverage ($100,000 bodily injury liability per person, $300,000 bodily injury liability coverage per accident, $100,000 for property damage liability), plus collision and comprehensive coverage. Source: Quadrant Information Services.
- Customer happiness (12.5% of score). Based on complaints filed with state departments of insurance and satisfaction ratings among customers who have made claims. Sources: Clearsurance and the National Association of Insurance Commissioners.
- Tech fundamentals (12.5% of score). This technology score encompasses mobile apps for digital insurance ID cards, the availability of pay-per-mile and usage-based insurance programs, and the availability of virtual auto insurance claims.