4 Best Car Insurance Companies For 18-Year-Olds In 2022
In this article :
What Is The Average Car Insurance For 18-Year-Olds?
Because 18-year-old drivers don ’ t have much experience behind the wheel, these drivers are considered bad. Teenagers tend to file more claims than older drivers, so car indemnity companies raise rates for this age group. According to The Zebra ’ s State of Auto Insurance sketch, the average car indemnity for 18-year-old drivers runs about $ 4,700 per year or about $ 400 per calendar month. The same report discusses the savings 18-year-olds can see if they stay on their parents ’ insurance policy alternatively of starting their own – it ’ sulfur about $ 2,600.
What Affects The Cost Of Car Insurance?
many factors go into calculating car policy rates for 18-year-olds, including :
Age
It ‘s an sympathize fact that the more experience on the road, the better driver you are. evening at 18, you are calm considered relatively inexperienced and more at risk on the road to car insurance companies. This is why the average car insurance for an 18-year-old is higher than person who is in their mid-twenties.
Gender
Being an 18-year-old girlfriend could mean lower car indemnity rates compared to an 18-year-old-boy. Some states have outlawed considering gender when calculating cable car insurance rates, but your sex will generally play a function. According to the Insurance Information Institute, women report fewer accidents, lower numbers of DUIs, and less dangerous accidents than men.
Location
To protect your adolescent, car policy companies take everything into explanation, including location, so you get the best quote possible. The ZIP code you live in matters when companies verify your address, so if you live in an sphere that has a low rate of accidents, larceny, and vandalism, your car insurance will normally be more low-cost.
Driving record
Establishing and maintaining a clean driving record goes a long way for an 18-year-old. The fewer claims, accidents reported, or citations you ‘ve had, the less of a hazard you are seen to the insurance party. Accidents happen, and when they do, do n’t be alarmed if you see your policy drastically go up.
Type of car
If you ‘re in the grocery store for the best car for your adolescent, you ‘re credibly thinking about two things : safety and affordability. But did you know the type of cable car your 18-year-old drives can qualify for you car insurance discounts and lower rates ? The less expensive your car, the less expensive your car indemnity will be arsenic well. If your adolescent ‘s car has safety features like anti-theft technology, anti-lock brakes, or passive restraints, you could qualify for discounts.
Credit
recognition scores matter, even at the age of 18. Most big first-time purchases require a citation score, like renting a scholar apartment and buying a car. so, it ‘s not rare for an indemnity company to ask for your adolescent ‘s credit score. Data from the Federal Trade Commission suggests that drivers with a better credit rating score file fewer claims.
Coverage limits
Considering how much you can pay out-of-pocket for your adolescent ‘s car influences the cost of your car insurance premium. The limits and deductibles you choose will determine how expensive your cable car insurance rates are, so it ‘s important to shop around for policies.
How To Save On Car Insurance For An 18-Year-Old
From discounts to usage-based savings programs, there are many ways for teens to save money on car indemnity. hera are some of the discounts offered by major providers that could help you get lower rates for car indemnity for 18-year-olds.
- Good student discount: Many auto insurance companies offer student discounts for full-time students who maintain a certain average in school, usually a B or higher.
- Driver training course: Some states require insurance companies to give customers discounted rates after completing a state-approved driver safety course.
- Distant student discount: Do you have a full-time student who goes to school more than 100 miles from home? If your student is without their car, you could qualify for lower insurance rates.
- Safe driver discount: Safe driving habits can be monitored through a plug-in device or cell phone app. If you accelerate and brake safely, you can save on car insurance.
Usage-Based Car Insurance For Teenage Drivers
Usage-based programs can help you save money on adolescent car insurance. When you consider how expensive the average car insurance for 18-year-old drivers is, taking the time to drive safely can have bang-up rewards. As always, it ‘s crucial to check the handiness of each party in your express before purchase.
| Provider | Program | Details | Google Play |
|---|---|---|---|
| Allstate | Drivewise® | Up to 10% cash back for signing up Up to 25% off every 6 months |
4.0 Stars |
| Geico | DriveEasy | Up to 20% off for signing up | 3.1 Stars |
| Progressive | Snapshot® | Average discount of $26 for signing up Average discount of $145 for completing the program |
4.2 Stars |
| Safeco | RightTrack® | Guaranteed savings between 5% and 30% | 4.0 Stars |
| State Farm | Drive Safe & Save™ | Up to 30% off | 3.6 Stars |
| USAA | SafePilot® | Save 5% for enrolling Up to 20% off at renewal |
2.2 Stars |
| Liberty Mutual | RightTrack® | Savings between 5% and 30% | 4.7 Stars |
Safeco’s Teen Safety Rewards Program
Although Safeco isn ’ metric ton vitamin a large as the other providers listed above, we included it for its extensive offerings for teens. Safeco ’ s adolescent program includes tips, rewards points, and discounts for new drivers. Some of the car insurance discounts you can get for 18-year-old drivers include :
- Good student discount for maintaining a B average or higher
- Driver training course discount for completing pre-approved courses
- Distant student discount for students who go to school over 100 miles away from home without a car
- Newly independent discount for drivers who were previously listed on their parents policies and are now opening their own
- New teen rewards for customers of over one year that are adding a teen to their policy
The Road Ahead Guide gives you general driving tips, tips on driving in hazardous weather conditions, and more. Plus, Safeco ’ s RightTrack app monitors dependable driving habits like mileage, acceleration, brake, and clock time spent driving at nox to qualify you for discounts. finally, Safeco offers a parent-teen condense that outlines clear expectations and rules for new drivers behind the rack. Read more in our fully Safeco insurance review.
State Farm’s Steer Clear® Program
In summation to Drive Safe & Save, State Farm besides offers Steer Clear – a special rebate available to drivers younger than 25. To get this discount, you must :
- Have a valid driver’s license
- Have no at-fault accidents or moving violations during the past three years
- Complete the program requirements within six months of enrolling
Customers who enroll have to complete modules about safe drive. The modules encompass the comply themes :
- Course training: Participants must complete five training modules that include a few lessons, videos, driving scenarios, and quizzes.
- Practice driving: Participants must complete five hours of driving in ten trips.
- Mentorship: Friends and family members can use the mentor login to track teen progress and give feedback.
- Program certification: Young drivers that complete the program receive a certificate of completion on the app and qualify for a discount.
Read more in our full State Farm insurance review.
Liberty Mutual’s RightTrack® Program
Liberty Mutual offers RightTrack, an easy way to save reward your 18-year-old for safe repel habits. Discounts for condom driving begin at 5 % and can be earned up to 30 %. This usage-based program is a free for Liberty Mutual members and you will receive a discount rate immediately after signing up. other discounts you can get for adolescent drivers include :
- Good student: Any full-time student with a B average or better gets rewarded.
- Student Away at School: If a child is away at school and only occasionally drives the vehicle, premiums are lower.
- Multi-car: Families with multiple vehicles earn a lower premium, allowing for even more policy savings with multiple dependents.
Read more in our broad Liberty Mutual Review.
Our Take On Car Insurance Providers For Teens
It ‘s authoritative to compare the average car policy rates for your 18-year-old to save on annual car premium costs. Whether you ‘re looking for the most cost-efficient plan, or the safest design for your adolescent, you should keep a lookout for policies from Geico and Progressive. Our research found that these providers have low-cost rates and good coverage for unseasoned drivers. The best way to know that you ’ re getting the most low-cost cable car policy is to compare quotes from multiple car insurance companies side-by-side. Enter your slide fastener code in the quote box below or call (844) 246-8209 to get started.
#1 Liberty Mutual: Best For Teens
After comparing crown car indemnity plans for 18-year-olds, Liberty Mutual is the best for adolescent drivers. It is an conventional mark that has been serving young adults and parents with dependents since 1912, which has earned it a 4.0 out of 5.0 star rat. Some of the coverage benefits that are useful for youthful drivers are :
- Accident Forgiveness: This plan will protect your premium against heightened rates after your first at-fault accident, which can be beneficial for newer drivers.
- Roadside Assistance: Liberty Mutual will cover towing, flat-tire changes, dead battery service, lockout service, and fuel delivery service when your teen’s car is disabled.
It ‘s usage-based plan, RightTrack®, is another popular way to save money on adolescent cable car insurance and rewards safe driving choices. The discount is based upon total miles drive, night drive, brake, and acceleration. If you ‘re interested, we recommend reading our review of Liberty Mutual in full and contacting an agent to get matched with the best quotes in your sphere.
#2 State Farm: Best For Students
If you ‘re looking for a hope supplier to protect your holocene high school scholar or holocene alumnus, State Farm policy is for you. Its across-the-board tilt of student-driver discounts, driving programs and usage-based programs have reassured parents of youthful drivers in about every U.S. state. With State Farm, you have access to the follow discounts for your 18-year-old scholar :
- Safe driving discounts: Your teenager can get discounts for having a clean driving record, no accidents or moving violations for three years, completing a defensive driving course, taking a driver’s education, and being a good student away at school.
- Safe vehicle discounts: With State Farm, you can get discounts for having a modern vehicle with safety features and anti-theft mechanisms. However, at a certain point, high-tech safety features may cost more to repair and can increase overall rates.
- Loyalty discounts: If you have multiple teen drivers on one policy, can get up to 20 percent off by insuring multiple vehicles and 17 percent off by bundling auto with another policy like homeowners insurance or life insurance.
To learn more, check out our State Farm revue.
#3 Geico: Best Overall
Our inquiry named Geico car indemnity the best overall. With low-cost rates, helpful coverage, and discounts, we think Geico is a capital option for adolescent car policy. With Geico, you can get standard indemnity and the watch types of coverage :
- Roadside assistance: Covers jumpstarts, tire changes, towing, and lockout services
- Rental car reimbursement: Covers rental cars from Enterprise Rent-A-Car
- Mechanical breakdown insurance: Cover repairs to mechanical parts on your car, excluding wear and tear, tune-ups, and maintenance
Plus, Geico has the usage-based condom driving program called DriveEasy in some states. Driving safely could get you reduce cable car policy for 18-year-olds. Read more in our wide recapitulation of Geico indemnity.
#4 Progressive: Best For High-Risk Drivers
Our inquiry found Progressive car indemnity is best for bad drivers, like teens and drivers with a DUI on record. We think progressive ’ sulfur accident forgiveness broadcast is impressive and could be useful to youthful, claim-free drivers. Accident forgiveness from Progressive comes in two parts :
- Small accident forgiveness: Covers claims less than $500 and starts the day you start a policy with Progressive
- Large accident forgiveness: Covers claims larger than $500 and can be purchased in addition to your basic car insurance policy
Plus, Progressive has many exclusive tools that could help you save money on your car policy, like the Name Your Price® creature that matches you with Progressive car insurance policies beginning with your price period. progressive ’ sulfur usage-based program Snapshot® monitors condom driving habits to get you discounted car indemnity rates. Read more in our full review of Progressive policy.
Methodology
In an feat to provide accurate and unbiased data to consumers, our adept review team collects data from dozens of car insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the stick to categories, a well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
Read more on auto insurance: