Which is the best type of policy for young people?

There’s no one best policy for young people. When researching your options, look for insurance companies that write policies in your state and offer affordable rates and discounts.You may decide to buy a liability-only policy if you’re trying to save money and you don’t need collision and comprehensive coverage. But a full-coverage policy is more likely to benefit a younger person, who may get into an accident, need roadside assistance, keep their car parked on a college campus, or drive a newer car.

Why is car insurance more expensive for young adults?

Young drivers pay more for car insurance because they lack the experience many older drivers have. They’re more likely to display risky behaviors such as texting and driving, violate traffic laws, and get into fatal car accidents. Car insurance companies often raise rates for this age group to compensate for increased risk.

Is car insurance cheaper over the age of 25?

Yes. Car insurance is generally cheaper for drivers older than 25. Teen drivers tend to pay the most for car insurance, but rates decrease each year as they gain experience, according to Insurify data.

Which is the best auto insurance company for young adults?

State Farm is the best auto insurance company for young adults. The company offers low rates, discounts to help young drivers save money, and high customer satisfaction ratings. It’s also the largest car insurance company in the U.S., commanding more than 16% of the market share and employing nearly 19,000 agents to help policyholders with account management to claim payouts. But you should always shop around for car insurance and compare quotes with multiple insurers to find the one that best suits your needs.

Which is the cheapest car insurance company for young drivers?

Auto-Owners offers the cheapest car insurance for young drivers, according to Insurify data. A liability-only policy for someone in this age group costs $123 per month on average, and a full-coverage policy costs just $180.

Best Cheap Car Insurance for Young Adults (2023)

Best companies
Insurance cost
Find cheap insurance
How to save
FAQs

Best companies
Insurance cost
Find cheap insurance
How to save
FAQs

Car insurance is notoriously expensive for young drivers, who tend to have less experience behind the wheel, exhibit risky driving behavior, and have a higher fatal crash rate than any other age group.^[1] To compensate for the increased risk, car insurance companies charge higher rates for drivers ages 16 to 25.

But every company has a different way of pricing policies — some insurers offer discounts and more affordable rates to people in this age group.

The top car insurance companies for young drivers include State Farm, USAA, and American Family Insurance. These insurers all offer low rates, discounts geared toward young drivers, top marks for customer service, and the financial strength to pay out claims. If you’re looking for car insurance for a young driver, here’s where to start.

Quick Facts

The best car insurance company for young drivers offers discounts specific to their age group.
Car insurance rates for young drivers can vary between $100 and $476 a month, on average.
Insurify rated insurers based on affordability, customer service, and more to determine top insurers for teens and new drivers.

Best auto insurance companies for young adults

Insurify researched some of the most popular insurers and checked out details like rates, discounts, and customer service ratings to find out which is best for young drivers. Erie and Travelers are a couple of the cheapest car insurance companies for drivers in this age group, with average full-coverage quotes of $199 and $180 a month, respectively. By comparison, many of the other companies Insurify considered have average full-coverage premiums of more than $200 a month.

These insurers made Insurify’s list of best auto insurance companies for young adults.

The below rates are estimated rates current as of: Sunday, October 1 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
USAA	53	115
Auto-Owners	53	105
GEICO	60	130
State Farm	62	132
Allstate	72	155
Erie	73	106
American Family	74	166
Progressive	91	166
Nationwide	97	212
Travelers	100	221

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	842
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.	$108/mo

Overview

Founded in 1922, State Farm is the largest auto insurance company in the U.S. by market share.^[2]

Young drivers can get discounts from State Farm by earning good grades, completing State Farm’s Steer Clear program, staying accident-free, and driving a newer car with safety features.

State Farm earned an above-average score of 882 out of 1,000 points in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study.^[3] It also received a superior financial strength rating of A++ from A.M. Best, a leading insurance industry analysis group.

Pros and cons

Pros

High customer satisfaction ratings for claims
Policies available in all 50 states
Offers discounts geared toward young drivers

Cons

Steer Clear safe driver program not available in every state
Higher average premiums compared to other insurers
Relatively limited add-on coverage options

Reviews

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023

Verified

Premiums jump every six months

Kenneth - January 31, 2023

Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023

Verified

Read our State Farm review

USAA

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
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.	$45/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.	$98/mo

Overview

United Services Automobile Association, known as USAA, is a group of financial service companies that provides financial services to military members and their families. The company started in 1922 and is the fifth-largest auto insurance provider in the U.S. by market share.^[2]

Young drivers may qualify for a 10% family discount and may save even more when they complete a basic driver training course, enroll in a usage-based telematics program, or earn good grades.

The company received a score of 890 in J.D. Power’s claims satisfaction study and a superior A++ rating from A.M. Best.^[3]

Pros and cons

Pros

High customer satisfaction ratings
Strong financial stability rating
Offers discounts geared toward young drivers

Cons

Restricts membership to current and former military members and their families
Gap coverage not available
Limited branch locations for in-person service

Reviews

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

They Serve The Veteran.

Jack - September 7, 2023

Verified

Raised rates nearly 43%.

Jan - June 19, 2023

Verified

Read our USAA review

American Family Insurance

American Family

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.2
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	840
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.	$76/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.	$171/mo

Overview

This insurer got started as Farmers Mutual Automobile Insurance Co. in 1927 and eventually evolved into American Family Mutual Insurance Co. in 1963. Now a private mutual company and one of the largest insurers in the U.S. by market share, American Family offers policies in 19 states.^[2]

Young drivers pay an average of $365 per month for a full-coverage policy, but American Family offers ways to save. Parents can enroll their teen drivers in a usage-based telematics program and monitor their driving. When teens complete at least 3,000 miles or one year in the program, they receive a 10% discount.

American Family received a score of 874 in J.D. Power’s 2022 claims satisfaction study and a financial strength rating of A (excellent) from A.M. Best.^[3]

Pros and cons

Pros

High customer satisfaction ratings for claims
Offers discounts geared toward young drivers
Digital account management available

Cons

Policies not available in every state
Average full-coverage premiums are higher than other insurers
Lower A.M. Best rating than other top companies

Reviews

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023

Verified

Too expensive with terrible customer service

Urga - January 21, 2023

Verified

They have treated me really well.

Craig - January 7, 2023

Verified

Read our American Family review

Erie

Erie Insurance

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	870
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.	$60/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.	$87/mo

Overview

Erie Insurance started in 1925 and has earned a reputation for affordability and excellent customer service.

Young drivers pay an average of $199 per month for full-coverage policies. They may also qualify for a youthful drivers discount, which is available to unmarried drivers younger than 21 who live with their parents. Other ways to save include a loyalty discount and a discount for completing an accredited driver training course.

Erie earned the third-highest score of any company — an 893 — in J.D. Power’s customer claims satisfaction study.^[3] It also received an A+ rating from A.M. Best.

Pros and cons

Pros

Low rates
High customer satisfaction ratings in claims
Offers discounts geared toward young drivers

Cons

Lack of online tools
Policies available only in 12 states and Washington, D.C.
Doesn’t offer usage-based auto insurance

Reviews

Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.

linda - August 9, 2023

Verified

My agent was always there for me.

Dinah - December 4, 2022

Verified

They treat me well.

Jordan - October 25, 2022

Verified

Read our Erie Insurance review

GEICO

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	835
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.	$52/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.	$112/mo

Overview

Thanks in part to its quirky gecko mascot, GEICO is one of the most identifiable insurance companies in the U.S. It’s also one of the largest, commanding 13.7% of the car insurance market share and offering policies in all 50 states.^[2]

Young drivers pay $247 on average for a full-coverage policy and may receive discounts for earning good grades; driving accident-free; and joining an affiliated fraternity, sorority, honor society, or alumni association.

GEICO earned a rating of 874 in J.D. Power’s 2022 claims satisfaction study and received a superior A++ rating from A.M. Best.^[3]

Pros and cons

Pros

Available nationwide
Offers special discounts for college students
Strong financial stability rating

Cons

Gap insurance not available
Limited network of agents
Doesn’t offer rideshare insurance

Reviews

Good communication

John - February 4, 2023

Verified

They offer the best rate.

Shannon - February 1, 2023

Verified

Any time I called them, they were on top of it and gave me an answer right away.

John - January 31, 2023

Verified

Read our GEICO review

How Insurify rates car insurance companies

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represents averages across driver ages, genders, credit scores, and driver profiles for teens and young drivers.

How much is car insurance for young adults?

Different factors — such as age, driving record, and location — affect the cost of insurance for young adults.^[2] Teen drivers pay an average of $578 per month for car insurance, according to Insurify data. But because drivers gain experience and maturity with age, the risk of accidents gradually declines with the cost of coverage. By the time a driver reaches age 25, they pay an average monthly rate of $309 for car insurance.

Average Quote	Teens	18	19	20	21	22	23	24	25
	$578	$637	$538	$489	$416	$372	$343	$336	$309

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Cheapest car insurance companies for young drivers by state

Car insurance rates vary widely by location because each state sets its own minimum coverage requirements and policy limits. Other factors — like the price of car repairs, cost of medical care, and frequency of car accidents — also cause rates to vary in each state.^[2]

For example, National General is the cheapest company for young drivers in Arizona, at an average of $108 a month. However, young drivers in New York may only find the cheapest rates with Liberty Mutual, at an average of $684 a month.

The following table shows the cheapest car insurance company in most states for young adults, along with the average cost of liability-only coverage.

State	Insurance Company	Average Monthly Quote: Liability Only
Alabama	National General	$219
Arkansas	Direct Auto	$234
Arizona	GEICO	$108
California	Farmers/21st Century	$103
Colorado	Dairyland	$240
Connecticut	Liberty Mutual	$457
Florida	GEICO	$191
Georgia	USAA	$178
Idaho	Dairyland	$209
Illinois	Auto-Owners	$93
Indiana	Elephant	$124
Iowa	Bristol West	$185
Kansas	Dairyland	$252
Kentucky	Liberty Mutual	$332
Louisiana	The General	$454
Massachusetts	Liberty Mutual	$361
Maryland	Elephant	$268
Michigan	Auto-Owners	$76
Minnesota	Liberty Mutual	$197
Missouri	Liberty Mutual	$294
Mississippi	The General	$216
North Carolina	National General	$113
Nebraska	Bristol West	$257
New Jersey	GEICO	$133
Nevada	GEICO	$205
New York	Liberty Mutual	$684
Ohio	Elephant	$124
Oklahoma	State Farm	$134
Oregon	Liberty Mutual	$335
Pennsylvania	Clearcover	$161
South Carolina	USAA	$107
Tennessee	Elephant	$140
Texas	State Farm	$97
Utah	Liberty Mutual	$300
Virginia	Auto-Owners	$69
Washington	GEICO	$131
Wisconsin	The General	$177
West Virginia	Liberty Mutual	$256

Cheapest car insurance for young drivers with violations

“Your driving record is one of the key factors that affects how much you pay for vehicle insurance,” says Loretta Worters, vice president of media relations for the Insurance Information Institute. “Accidents and traffic violations are some of the main red flags your insurance company will look for.”

Drivers with a clean driving record typically pay the least for car insurance, while drivers with a history of speeding tickets, at-fault accidents, and driving under the influence (DUI) violations may pay hundreds of dollars more each month for coverage. A DUI conviction will likely increase your rates by 100%, according to Insurify data.

Here’s how car insurance rates can change based on driving record:

Insurance Company	Clean Record	Speeding Ticket	At-Fault Accident	DUI
Auto-Owners	$123	$165	$176	$245
State Auto	$130	$174	$186	$259
SafeAuto	$145	$194	$207	$289
USAA	$151	$202	$216	$300
Clearcover	$155	$208	$222	$308
GEICO	$163	$218	$233	$324
Travelers	$173	$232	$247	$344
Elephant	$182	$244	$260	$362
State Farm	$182	$244	$260	$362
National General	$207	$277	$296	$412
Kemper	$211	$283	$302	$420
Allstate	$219	$293	$313	$436
American Family Insurance	$239	$320	$342	$476
Progressive	$252	$338	$360	$501
Esurance	$255	$342	$365	$507

How to find the cheapest auto insurance for young adults

Because car insurance is generally more expensive for young adults than older drivers, younger drivers and their parents should shop around diligently for the best policy.

Here are a few ways to look for cheap car insurance:

Use online comparison tools. Online comparison tools help you compare prices by pulling customized quotes from several companies at once, based on your details, coverage options, and policy limits preferences.
Ask for recommendations. Your friends, relatives, or others in your network may have recommendations for car insurance based on their experiences. Ask trusted people which companies they bought policies from to get advice and start your search.
Do your research. After gathering rates and recommendations, make a list of insurance companies you’re considering. The best car insurance companies offer affordable rates and discounts to help you save money, but they should also have a reputation of strong customer service and the financial reserves to pay claims when needed.

How can young adults save on car insurance?

While young drivers tend to pay the highest prices for car insurance, it’s still possible to save money using the following methods:

Sign up for telematics programs. With these programs, you’ll install a device in your car or use a mobile app to track your driving habits. Your insurance company then uses the data to set your rates. Your insurer may give you discounts for completing the program or lower your premiums when you show safe driving habits.
Ask about discounts. Many insurance companies offer discounts geared toward young drivers, so you may save money by completing a safe-driver course, earning good grades, or storing your car at home while away at college.
Join a parent’s policy. If your child lives with you or stores their car at home while at college, it’ll cost less to join your insurance policy compared to buying their own plan.
Buy a safe car. Cars with high safety ratings may cost less to insure because they’re less likely to be damaged in an accident, and drivers have a lower risk of injuries or death.
Lower your coverage. You may also consider dropping comprehensive and collision coverage for older or low-value cars. However, vehicles are maintaining a higher value longer, Worters says. “Make sure you know [the car’s value] before reducing the optional coverages on your car.”

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Car insurance discounts for young adults

Many car insurance companies offer the following discounts to help young drivers save money on their premiums:

Student away discount for students attending school and storing the car at home
Good-student discount for full-time students who maintain good grades, usually defined as a minimum B average
Safe-driver course discount for completing a defensive-driving course
Usage-based programs for drivers who enroll in the program, install a tracking device in their car or use the mobile app, and show safe driving habits over time
Good driver discount for young drivers with no at-fault accidents or driving violations within the last few years

Car insurance for young adults FAQs

As you’re shopping for a car insurance policy, here’s some additional information that may help you in your search. You can also use Insurify’s guide on the best cars for teens and information on the TeenSMART driving program.

Which is the best type of policy for young people?
There’s no one best policy for young people. When researching your options, look for insurance companies that write policies in your state and offer affordable rates and discounts.
You may decide to buy a liability-only policy if you’re trying to save money and you don’t need collision and comprehensive coverage. But a full-coverage policy is more likely to benefit a younger person, who may get into an accident, need roadside assistance, keep their car parked on a college campus, or drive a newer car.
Why is car insurance more expensive for young adults?
Young drivers pay more for car insurance because they lack the experience many older drivers have. They’re more likely to display risky behaviors such as texting and driving, violate traffic laws, and get into fatal car accidents.^[1] Car insurance companies often raise rates for this age group to compensate for increased risk.
Is car insurance cheaper over the age of 25?
Yes. Car insurance is generally cheaper for drivers older than 25. Teen drivers tend to pay the most for car insurance, but rates decrease each year as they gain experience, according to Insurify data.
Which is the best auto insurance company for young adults?
State Farm is the best auto insurance company for young adults. The company offers low rates, discounts to help young drivers save money, and high customer satisfaction ratings. It’s also the largest car insurance company in the U.S., commanding more than 16% of the market share and employing nearly 19,000 agents to help policyholders with account management to claim payouts.^[3]
But you should always shop around for car insurance and compare quotes with multiple insurers to find the one that best suits your needs.
Which is the cheapest car insurance company for young drivers?
Auto-Owners offers the cheapest car insurance for young drivers, according to Insurify data. A liability-only policy for someone in this age group costs $123 per month on average, and a full-coverage policy costs just $180.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed April 18, 2023
III. "What determines the price of an auto insurance policy?." Accessed April 18, 2023
NAIC. "2022 Top 25 Groups and Companies by Countrywide Premiums." Accessed April 18, 2023

Kim Porter

Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.

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Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Reviewed byDaniel RoccatoAdvisor

Daniel RoccatoAdvisor

30+ years in financial services
Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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