Finding car indemnity as a first-time buyer can surely be overwhelming. Insurers tend to charge first-time drivers much higher rates, regardless of old age, because these drivers lack feel. In some cases, you can expect to pay $ 5,000 or more for car insurance in your beginning year .
We created a lead to help you better understand the process and help you save money when buying car indemnity for the first clock .

How to get car insurance for the first time

When buy car policy for the first time, shoppers will need to :

  • Gather personal and vehicle information.
  • Get an online quote
  • Get multiple insurance rates to compare quotes.

First-time drivers may not realize how much data is needed to get car policy quotes, and the process can be crafty to figure out for new shoppers the first time around. Below, we list all the items you ‘ll need.

once you have those materials fix, you can buy car policy on-line from most insurers on their websites or make with an insurance agent. We typically recommend getting quotes from at least three insurers to find your best rate .

What information you’ll need when you get car insurance for the first time

When you ‘re shopping for quotes, you will need some personal information on hired hand for you and anyone else listed on the policy :

  • Driver’s license
  • Date of birth
  • Address
  • Occupation
  • Marital status
  • Education level
  • Driving history
  • Insurance history

Some of this data — driving history and localization, most notably — will affect the cost of policy for first-time drivers. You will besides need data for your vehicle, including the vehicle designation number ( VIN ), date of purchase and person registered to the vehicle .
Having the class, make and model of your car ready is besides crucial, as it will help provide you with the best and most accurate policy for your newly car indemnity .

Why first-time drivers pay more for car insurance than experienced drivers

many factors affect cable car policy costs, including location, demographic profile, driving history and experience. Driving experience is the most important factor when it comes to setting cable car indemnity rates. Experienced drivers will pay far less than new drivers because policy companies consider them lower risks for getting into an accident or filing a claim .

How much more new drivers will pay for car insurance

First-time drivers pose a higher risk to policy companies and will pay more for coverage. On average, our sample data shows first-time drivers are paying about $ 4,529 per year for car policy, whereas have drivers are entirely paying $ 1,427 per year .
This graph shows the cost difference of a driver with no experience versus 15 years' experience

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These car policy rates are for a 35-year-old California resident and shows the deviation in cost between a new driver and an experienced driver.

The policy quotes for new drivers are well higher. Geico is the most expensive, charging our sample distribution driver with no experience $ 6,339 per year. Geico will charge a newfangled driver $ 5,101 more for insurance than the like driver with 15 years ‘ have. basically, inexperienced and first-time drivers will be charged more, careless of age .

How first-time drivers can find cheap car insurance

Drivers can find brassy car insurance if they :

  • Shop around and compare insurance rates.
  • Get the right amount of coverage.
  • Improve outside factors that may affect insurance rates, such as credit scores.

Shop around and compare insurance rates

You should get respective quotes from multiple car policy companies to determine which company will offer you the cheapest policy quotes for first-time drivers. It ‘s easy to compare free insurance quotes online. however, speaking to an independent insurance agentive role may provide you with multiple quotes to find the cheapest indemnity for first-time car buyers .
While first-time drivers may have higher car policy quotes than more have drivers, you may silent save by comparing insurers. unlike companies use unlike factors when calculating your rates, and some of the more long-familiar indemnity companies may not necessarily offer the lowest possible rate .

Get the right amount of coverage

If you buy more car indemnity coverage than you need, you ‘ll be paying extra for protection you ‘ll never use. That means one way to save money on car indemnity is to alone buy deoxyadenosine monophosphate much as is necessity for your position. however, car insurance has many different types of coverages ; below, we ‘ve provided a brief cheat on sheet to guide you on how much of each type of indemnity to buy .

Type of coverage

Is it required?

Do I need this coverage?

Bodily injury liability Yes, except in Florida Accident limits based on net worth
Property damage liability Yes, in every state Accident limits based on net worth
Collision and comprehensive No, unless you lease or finance a vehicle Needed if your car is worth more than $2,000
Uninsured and underinsured motorist Yes, but only in 22 states Accident limits based on net worth if you don’t have personal injury protection or collision insurance
Personal injury protection (PIP) Yes, but only in 14 states Not needed unless your health coverage does not include auto-related injuries

As a first-time driver, you want to get car indemnity that protects your net worth. You can surely get more coverage for extra protective covering, but this will raise your insurance costs. To determine your web worth, add up your assets and subtract your debts. If your web worth is less than the minimum requirements for your detail submit, and you ‘re looking for the bum policy potential, you should lone consider purchasing the minimum liability coverage .
While new drivers can compare cable car insurance on-line, an insurance company will typically suggest certain levels of coverage .
It ‘s authoritative to understand the different types of coverage, requirements and how much car insurance you actually need. Otherwise, you ‘re paying out of pouch for unnecessary expenses .

Improve factors that affect insurance rates for first-time drivers

many factors affect car indemnity rates for first-time drivers. Some of them ca n’t be controlled, such as senesce and localization. But there are crucial factors, such as credit scores, that drivers can take steps to improve over the long term and get lower indemnity rates .
If you have a low credit rating score, insurers think you are more probable to file higher claims, and insurers will thus charge you higher premiums. In the farseeing run, gaining driving experience and being a safe driver will result in insurance companies charging you less.

ultimately, you should apply for every car indemnity deduction available within your demographic and localization when looking for brassy first-time cable car indemnity. sometimes you can see these discounts through a company ‘s on-line quotation mark cock, but you may be eligible for even more discounts if you talk to an indemnity agent before finalizing your quotation mark .


We analyzed car insurance quotes from Allstate, State Farm, Progressive and Geico. Our sample distribution driver was a individual 35-year-old male who drives a 2015 Honda Civic EX. This driver had $ 15,000 of indebtedness coverage per person injured and $ 30,000 of coverage for all hurt persons. This sample distribution driver besides has $ 5,000 in place wrong liability coverage. The only parameter that changed was years of driving experience, which was either zero or 15 years ‘ know drive .
ValuePenguin ‘s analysis used indemnity rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only — your own quotes may be unlike .

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