Best Car Insurance Companies for Teenagers (2026)

Car insurance for teen drivers costs more than coverage for any other age group. Nationally, teen car insurance averages $347 per month for full coverage and $182 monthly for liability-only insurance, Insurify data shows. By comparison, the national monthly averages for drivers of all ages are $187 and $98, respectively.

Insurers charge more to cover teenagers because young drivers have a greater risk of getting into an accident.^[1] But teen drivers can lower their rates by taking approved driver safety courses, choosing a lower-value car with safety features, and staying on their parents’ insurance policy. It’s also important for teen drivers and their parents to compare car insurance rates from multiple auto insurance companies.

Cheapest car insurance for teenagers

Overall, Auto-Owners offers the cheapest rates for teen drivers, with full-coverage rates as low as $196 per month and $59 per month for minimum-coverage policies. But the insurer offers auto coverage in just 19 states, so it won’t work for everyone. National insurers Auto-Owners and GEICO offer the best combination of wide availability and the cheapest rates for teens.

The following table illustrates average monthly rates from top insurers for teen drivers buying their own insurance policies.

The below national rates are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
Country Financial	$127	$59
USAA	$194	$96
Auto-Owners	$196	$102
State Farm	$224	$110
Erie	$236	$129
Root	$261	$151
GEICO	$266	$144
Elephant	$301	$187
Mercury	$304	$168
Safeco	$306	$189
Mile Auto	$307	$171
Clearcover	$313	$182
American Family	$316	$158
Allstate	$317	$154
Commonwealth Casualty	$344	$157
Direct Auto	$345	$188
Liberty Mutual	$350	$220
Bristol West	$359	$179
GAINSCO	$372	$170
National General	$376	$190
The General	$377	$151
Plymouth Rock	$388	$255
Nationwide	$393	$194
Dairyland	$399	$157
Anchor	$445	$226
CSAA	$449	$293
21st Century	$451	$232
Travelers	$455	$226
AssuranceAmerica	$464	$261
Farmers	$469	$230
Chubb	$516	$267
Shelter	$523	$285
The Hartford	$682	$373
Amica	$845	$462
State Auto	$884	$451

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance companies for teenagers

To determine which car insurance companies are the best for teens, Insurify’s data team considered three main factors: cost, safety, and availability. To start, we looked at which insurance companies charge the least for teen drivers. All these insurers offer discounts for teens or young adult drivers, and many discounts encourage good grades and driving behavior.

We also included auto insurance companies that provide resources to help teens develop better driving habits and offer discounts to teens who pursue driving education. Finally, we considered the number of states an insurer operates in. Regional insurers typically offer the same coverages and discounts as national companies and may have lower rates. But their limited availability means they won’t be a good fit for every family.

Here’s a closer look at some of the best car insurance companies for teenagers and what parents need to know about each option.

Insurance Company	Best for	Average Quote: Full Coverage	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
GEICO	Low rates, national coverage	$266	9.2
COUNTRY Financial	Lowest rates overall	$127	N/A
Hugo	On-demand coverage	N/A	6.3
USAA	Military families	$194	9.1
Metromile	Low-mileage teens	$183	7.0
State Farm	Building better driving skills	$224	9.3

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

GEICO: Best for low rates and national availability

Low Rates

Compare Quotes

User Reviews	4.0 18,174 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$80/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$148/mo

Details

Driver Reviews

4.0

Best choiceBased on 18,174 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

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Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing recent national reviewsSee all 7,738 GEICO reviews

Carl

Verified Review

Geico Reality Check

Reviewed in Pennsylvania on May 17, 2026

Love everything about Geico except the price. I have a stellar driving record with no recent accidents or traffic violations, but it's too expensive.

Kristine

Verified Review

Way too much!

Reviewed in Texas on May 17, 2026

They raise rates without explanation, and it’s expensive for what you get. I can’t afford it!

Glenn

Verified Review

Price of my insurance is too high

Reviewed in New York on May 17, 2026

My biggest concern with my current insurance is that every time I renew it, it goes up $100 or more.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Among the nationally available companies Insurify reviewed, GEICO offers the lowest rates for teen drivers.

If you’re not able to find lower rates from a regional insurer in your area, GEICO is a solid choice for its low rates, strong AM Best financial strength rating, and lower-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index. Owned by Berkshire Hathaway, GEICO is the third-largest U.S. auto insurer by market share.^[2]

Pros

• National availability and competitive rates for teens

• Good student and good driver discounts

• Robust mobile app

Cons

• Gap insurance not available

• Few local agents

• Rates can be high for drivers with traffic violations

COUNTRY Financial: Best for lowest rates overall

Lowest rates overall

Compare Quotes

User Reviews	4.0 67 reviews
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$42/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$90/mo

Details

Driver Reviews

4.0

Best choiceBased on 67 verified driver reviews and ratings

	Country Financial's score	Industry average
Coverage options	3.9	3.2
Customer service	3.4	3.6
Discounts	3.5	2.9
Policy transparency	3.8	3.1
Value	3.2	2.9

How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

Based on analysis of verified reviews collected by Insurify

---

Best For

Cheap rates

Good claims process

High customer satisfaction

Showing recent national reviewsSee all 35 Country Financial reviews

Luke

Verified Review

Country Financial

Reviewed in Colorado on February 23, 2026

For years, they were the best we could find, then the rates skyrocketed from $800/month to $1800/month. Typical greedy insurance.

Tracy

Verified Review

Insurance Experience

Reviewed in Nevada on October 28, 2025

It's good insurance, but I'm over 55, own my vehicle, and have been with them for many years, yet my policy has never gone down. It just steadily rises. I even drive less than 20 miles a day. It seems like you pay and pay and pay, and I never get anything out of it. Like with most insurance companies, you may never use it, and you've paid all this money. It's frustrating paying for something you don't get anything out of.

Teresa

Verified Review

Getting too pricey

Reviewed in Illinois on October 25, 2025

The experience has been good; the exception is the constant percentage increases. They are pricing me out of their services because I can purchase comparable coverage for less (and we are “bundled” with autos, home, and liability). I believe I will be changing my auto insurance as I find comparable coverage for $230/6 months for less.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.44

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

COUNTRY Financial consistently offers some of the lowest rates for all types of drivers, including teenagers. It’s a good option if you live in one of the 19 states where it sells auto coverage: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin. COUNTRY Financial has an A+ financial strength rating from AM Best, indicating it’s well-positioned to pay claims. And it scored 894 (out of 1,000) for overall customer satisfaction in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study.

Pros

• Lowest overall rates for teen drivers

• High customer satisfaction

Cons

• Available in only 19 states

• No gap insurance available

Hugo: Best for on-demand coverage

On-Demand Coverage

Compare Quotes

User Reviews	4.6 222 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$188/mo

Details

Driver Reviews

4.6

Best choiceBased on 222 verified driver reviews and ratings

	Hugo's score	Industry average
Coverage options	3.7	3.2
Customer service	3.2	3.6
Discounts	3.8	2.9
Policy transparency	3.9	3.1
Value	3.8	2.9

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

Based on analysis of verified reviews collected by Insurify

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Best For

Micropayments

No down payments

Fast coverage

Showing recent national reviewsSee all 70 Hugo reviews

Khriste

Verified Purchase

Quick and Affordable

Reviewed in Texas on May 16, 2026

Great and quick service!

Chandra

Verified Purchase

Amazing

Reviewed in Kentucky on May 4, 2026

Wonderful, best decision I ever made.

Robert

Verified Purchase

Money Saver with Peace of Mind

Reviewed in Alabama on April 24, 2026

It's the thought of knowing you are covered and still saving your wallet.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

Not rated

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

If your teen doesn’t drive often, and your insurance situation is flexible, Hugo may be an option. Hugo sells car insurance in increments as short as three days up to six full months. To secure coverage, you'll need to open an account and deposit funds, then select your policy term. Keep in mind, though, that Hugo only sells liability coverage policies at state-minimum levels, so you can't use it if you need full coverage or want higher liability limits.

Pros

• Short-term policies available for most drivers

• No down payment required

• Micro-payments available

Cons

• Available in only 13 states

• Only offers state-minimum liability policies

• No available discounts

USAA: Best for military families

Military Families

Compare Quotes

User Reviews	4.9 3,624 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$51/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$103/mo

Details

Driver Reviews

4.9

Best choiceBased on 3,624 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

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Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,572 USAA reviews

Brittany

Verified Review

Too expensive for shaky service

Reviewed in Texas on May 14, 2026

The rates are too high. They are astronomically ridiculous regardless of whether or not I've had a collision.

Dirk

Verified Review

Good but expensive

Reviewed in Texas on May 11, 2026

Pretty good, but still way too expensive.

Melissa

Verified Review

High Costs...little return

Reviewed in Colorado on May 11, 2026

For the most part, the insurance has been fine. It is difficult at times if you need to speak with a customer service rep, as the company relies on AI to try and resolve issues. Claims are hit or miss, and it seems that not all representatives provide the same quality of service. Rates have consistently increased regardless of any claims against your own account. There are very few discounts for customers that have been with them for years. Rates are 4-5 times higher than other insurance companies.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Teen drivers with one or both parents in the military may find low rates, good customer service, and teen-friendly discounts with USAA. In addition to savings for being a good student discount and covering multiple cars, USAA offers the MyUSAA legacy discount for first-time policy buyers whose parents also have a policy with USAA.^[3]

Pros

• Highly rated for customer service

• Competitive rates

• Teen-friendly discounts

Cons

• Only available to active-duty military members, veterans, and their immediate family

• No 24/7 customer phone support

• Gap coverage not available

Metromile: Best for low-mileage teen drivers

Low-Mileage Teen Drivers

Compare Quotes

User Reviews	4.1 95 reviews

Details

Driver Reviews

4.1

Best choiceBased on 95 verified driver reviews and ratings

	Metromile's score	Industry average
Coverage options	3.9	3.2
Customer service	2.6	3.6
Discounts	3.5	2.9
Policy transparency	3.7	3.1
Value	3.6	2.9

How drivers feel about Metromile

Drivers value the pay-per-mile concept, find the service user-friendly, and appreciate the initial low cost. But they dislike the frequent rate increases and difficult communication.

Based on analysis of verified reviews collected by Insurify

---

Best For

Low-mileage drivers

Pay-as-you go car insurance

Robust mobile app

Showing recent national reviewsSee all 58 Metromile reviews

Michael

Verified Review

Good Company

Reviewed in California on May 8, 2026

Basic price is good, but they get you on your mileage.

Donald

Verified Review

Good

Reviewed in Washington on October 8, 2025

Price-wise, it is unbeatable.

Arionna

Verified Review

Consider Alternatives to Lemonade Insurance

Reviewed in Washington on August 6, 2025

Don't do it. The prices may look good, but if you do a lot of driving, you end up paying more in one month than you would in a year with another company.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

6.75

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Metromile’s pay-per-mile car insurance uses a telematics device to track actual miles driven and base premiums on monthly mileage. Low-mileage drivers can realize significant savings by only paying for the miles they actually drive each month.

Just like standard insurance companies, Metromile offers liability-only coverage, full coverage, and optional coverages like roadside assistance and glass repair.

Pros

• Pay-per-mile cost could help low-mileage drivers save

• Robust mobile app for tracking insurance costs

• Pet injury protection included in most full-coverage policies

Cons

• Available in only eight states

• Much higher-than-average number of complaints with the NAIC

• Trustpilot rating of just 1.7 stars (out of 5)

State Farm: Best for building better driving skills

Building Driving Skills

Compare Quotes

User Reviews	4.0 18,059 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$108/mo

Details

Driver Reviews

4.0

Best choiceBased on 18,059 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.3	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

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Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing recent national reviewsSee all 7,549 State Farm reviews

Paul

Verified Review

Way too high, like $100 too high

Reviewed in Louisiana on May 17, 2026

It is too high. I pay $166 a month, and I should not be paying more than $66 a month.

John

Verified Review

Pass the Vaseline

Reviewed in Missouri on May 17, 2026

They keep trying to raise my rate. If I wasn't keeping an eye on what they take from my bank, I would be paying hundreds a month instead of $130, and that's still too much for a 14-year-old car with liability only. But they won't budge off what they charge, and I know there are better deals. There have to be better options than what I'm paying. That's why I'm looking for something else to compare it to or change over to.

Debra

Verified Review

State Farm may not be cheap but you certainly can depend on them

Reviewed in Washington on May 17, 2026

Awesome.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Teen drivers using State Farm’s Drive Safe & Save mobile app can potentially save up to 30% while learning how to drive more safely. If those good driving habits stick, drivers younger than 25 who haven’t been involved in any at-fault accidents or incurred any moving violations within the past three years can save as much as 15% with State Farm’s Steer Clear program.^[2]

Another convenient and cost-saving feature State Farm offers drivers is a student-away-at-school discount. If your child is away at college and only drives their car during school vacations and holidays, you can save on your policy.

Pros

• High customer satisfaction rates

• Potential rewards for good driving

• Competitive rates with national availability

Cons

• Gap insurance not available

• Can’t buy a policy online — must go through a local agent

• Mixed online customer reviews

Find Cheap Car Insurance for Teen Drivers

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Excellent

4.7 out of 5 based on 14,416 reviews

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How much coverage do teen drivers need?

All states except New Hampshire require drivers to have a minimum amount of liability car insurance — so you’ll definitely need to buy at least that much. Liability car insurance pays for injuries and property damage to other parties in an accident you cause.

You can check with an insurance agent or your state’s motor vehicles department to find out your state’s minimum requirements.

If you lease or finance your vehicle, you’ll also need to buy full-coverage car insurance, which includes liability, comprehensive coverage, and collision coverage. Lenders and leasing companies require full coverage because it protects their investment in your vehicle. For example, if you cause an accident that totals your car, your insurance company will pay your lender the actual cash value of your vehicle.

And, because the actual cash value of your vehicle might be less than what you still owe on your auto loan, gap insurance can be a good idea. Gap insurance can pay any difference between what your auto insurer pays and your loan or lease balance.

Adding a teen to a parent’s policy vs. their own policy

Most teens start out driving on their parents’ car insurance policies. It’s illegal for anyone younger than 18 to buy an insurance policy without the written consent of a parent or guardian, so it’s typically easier to add a teen to an existing policy. And it’s generally cheaper for a teenager to stay on a parent’s policy than to buy their own.

Adding a teen to an adult’s policy will increase the premium, but not as much as the teen would pay for a policy of their own. Teen drivers on their parents’ policies can benefit from the adults’ good driving history, good credit, and lower risk profile.

The following table illustrates the cost differences for teen drivers on their own policy vs. being added to a parent’s policy. Adults with no teen on their policy pay the least in the table, and their rates increase when they add a teen. But the difference between their policy costs with a teen driver and without one is just $139 — $45 less per month than the teen would pay for their own, independent policy.

Drivers	Liability Only	Full Coverage
Two parents + a teen driver	$296	$599
Two parents	$157	$316
Teen driver on their own policy	$184	$372

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How to get cheaper car insurance for teenagers

Teen drivers and their parents can take steps to reduce their car insurance costs, including:

• Compare rates from multiple insurers. Insurance rates can vary between companies. Comparing multiple quotes is the best way to find the coverage you need at a price you can afford.

• Learn to drive safely. Many insurers offer discounts for teen (and adult) drivers who complete approved driver-safety courses.

• Lean into discounts. Most insurance companies offer multiple discounts that can help families with teen drivers save, such as good student discounts, multi-vehicle discounts, bundling (home and auto) discounts, and more.

• Choose the right vehicle. The year, make, model, and safety features of your vehicle affect car insurance rates. Pick a lower-value, reliable, and safe vehicle for your teen driver. Be sure your insurer assigns your teen to the least expensive car on your policy.

• Consider adjusting your deductibles. If you have full-coverage car insurance, raising your collision and comprehensive deductibles will reduce your monthly premium. Just be sure you can afford to cover the deductible amount out of pocket in case of an at-fault accident.

Car insurance discounts for teenagers

Many different auto insurance discounts are available for teenagers and their families. The following table shows some examples of discounts popular auto insurers offer.

Discount	How to Be Eligible	Savings	Companies That Offer It
Good student	Earn a certain GPA or meet other academic standards	20%–25%	SafeAuto, USAA, Auto-Owners
Multi-vehicle	Insure multiple vehicles on one policy	7%–25%	USAA, State Farm, COUNTRY Financial
New-car	Drive a vehicle no more than 3 years old	10%–15%	GEICO, USAA, Allstate
Defensive driving course	Complete an approved driver education course	5%	GEICO, State Farm, COUNTRY Financial

How age affects car insurance rates

Age is a significant factor in determining auto insurance premiums. Companies consider younger drivers riskier to insure due to their lack of experience on the road, tendency to be easily distracted, and higher accident frequency — all factors that increase their likelihood of filing a claim.

As young drivers mature and gain experience, their car insurance rates tend to fall. Rates start to climb again around age 70, when age-related issues like vision and mobility challenges can put drivers at higher risk of accidents.

Car insurance for teens FAQs