If you have just started driving, it is important to get car insurance. But insurance for new drivers is often very expensive – companies consider them “high-risk”. With some smart tips you can get cheaper and better insurance. Let’s understand how!
Who is the new driver?
- People getting their license for the first time (whether they are 18 or 40 years old)
- Teenagers aged 16–25 years
- People driving for the first time in the USA
- Students/immigrants who do not have a driving record in America
Why is insurance expensive?
- No experience of driving
- High risk of accidents
- No past insurance record
- Teenagers are considered careless
That’s why the premium can be from $200 – $400 per month.
6 ways to get cheap insurance:
- Compare: Compare quotes of companies like GEICO, Progressive while sitting at home (use The Zebra/NerdWallet).
- Take a cheap car: Insurance of safe and cheap cars like Honda Civic, Toyota Corolla is less.
- Safe Driving Discount: Get discount on safe driving through apps like Route/Metromile.
- Do a Driving Course: You can save up to 10–15% by doing a defensive driving course (especially in California/Texas/NY).
- Join with Parents: Age less than 25 years? It is cheaper to join the policy of your parents.
- Deductible Increase: Reduce your monthly premium by increasing your share ($500/$1000).
Affordable Insurance Companies of 2025:
, Company | Special Offer | Avg. Mahana Kharcha |
,
, GEICO | Student discount + fast service | $120 – $180 |
, State Farm Teen drivers bundle plans | $130 – $200 |
, Progressive Tracking from Snapshot app. $125 – $190 |
, Root | Insure only safe drivers. Low starting rates |
, Nationwide Real-time app discounts | $135 – $195 |
State-Wise Tips:
- California: Gender or credit score does not matter
- Texas: Policy is good with parents
- Florida: Full coverage is necessary in hurricane areas
- NY: Government help for low-income people
Common Questions (FAQs):
Q: Can we drive a car without insurance?
No! It is mandatory in every state. There can be a fine/ban on not knowing the vehicle.
Q: Which car has cheaper insurance?
Honda Civic, Toyota Corolla and Mazda 3 are the best.
Q: Can we get insurance without license?
Sometimes yes, but having a learner’s permit is a must.
Conclusion:
New driver’s insurance is definitely expensive, but you can save $50-$100 every month by comparing, showing safe driving, and finding offers.
Want to find your cheap insurance? Get a FREE quote on EasyStackLoans.com today!