No matter what, car insurance is compulsory and you legally have to be covered. The government cracked down on uninsured drivers with the introduction of Continuous Insurance Enforcement (CIE) which states that every car, whether on or off the road, has to be covered. The only exception is if the car is declared off the road with a Statutory Off-Road Notification (SORN).

Geico includes discounts for the vehicle equipment you have (air bags, anti-lock brakes, anti-theft, and daytime running lights) as well as for your driving history and habits. You receive a discount for five years being accident-free, as well as for taking driver’s education and defensive driving courses. Teen drivers, college students and young adults can receive a discount for good grades as well, and Geico offers discounts for military service and for federal employees, on top of the standard coverage discounts for multiple policies and vehicles. You can also check Geico’s list of more than 500 membership and employee groups that can result in discounts.
Teen drivers are faced with some of the most expensive car insurance rates of any demographic. Because of these high auto insurance costs, finding the cheapest car insurance can save you hundreds and, in some cases, thousands of dollars a year. Overall, we found that Erie Insurance offered the cheapest insurance to teenage drivers, though the most affordable insurer varied by region and state. Below, you can find the best auto insurance companies for young drivers in your area or you can enter your ZIP code above to begin comparing insurance rates immediately.
Nationwide's insurance professionals can quickly design a car insurance quote that meets your precise needs, even for those on a budget. Rather than going with the cheapest car insurance quote, make sure the company you choose provides flexible coverage and billing options. For instance, Nationwide allows members to pay monthly, quarterly or semi-annually online, through the mail or over the phone. It’s important to keep long-term flexibility in mind when deciding on an insurance carrier, not just go with the cheapest car insurance option.
With Nationwide, there are lots of ways to protect your teen while staying within your budget. For example, a higher auto insurance deductible may lower the rate, but could mean more out-of-pocket expenses after an accident. If the vehicle is older or has very high mileage, liability coverage may be a better option than collision or comprehensive – though it will not cover damages to the car after an at-fault accident. Getting the right coverage that best fits your needs is important for saving money on your teen auto policy. Learn more about Nationwide’s auto insurance coverage types today.

Teen drivers are faced with some of the most expensive car insurance rates of any demographic. Because of these high auto insurance costs, finding the cheapest car insurance can save you hundreds and, in some cases, thousands of dollars a year. Overall, we found that Erie Insurance offered the cheapest insurance to teenage drivers, though the most affordable insurer varied by region and state. Below, you can find the best auto insurance companies for young drivers in your area or you can enter your ZIP code above to begin comparing insurance rates immediately.


You’ve probably seen the commercials featuring the Geico Gecko. The company created on the online insurance quote model, and markets its ability to save you 15 percent or more on your car insurance. However, not only can you get a quote online, but in recent years Geico has added “real world” agents that you can visit offline, and you can also call or email. Geico also touts its ability to provide customer service via Twitter.
State Farm is one of the most recognizable brands in insurance. It’s fairly easy to get a quote from the web site, or by calling an agent. I don’t have State Farm insurance, by I was recently hit by a driver who was covered by the company. After some initial hiccups, State Farm took care of everything, from the repairs on my car to the rental car. The company was even responsive when the initial time period for the rental car ended before repairs were completed and I requested more time.
Named drivers: If you add a named driver to your policy who is older and/or more experienced, the car insurance provider will likely offer cheaper premiums because they will assume that driving responsibilities will be shared and hence the riskier motorist will be spending less time behind the wheel. This often results in cheaper premiums. You can read more about this on guide to named driver car insurance – but make sure you don’t break the law by ‘fronting’ your policy and pretending someone else drives your car if they don’t!
This is the auto insurance company I use, but it’s not available in all states. American National allows you to get a quote online, in person, or over the phone. I’ve had a good experience with this company, and the standard discounts are offered, from multi-car to good student to multi-policy. I also have a discount for maintaining a good credit score and signing up for automatic withdrawal.
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2019 Nationwide Mutual Insurance Company.
With Nationwide, there are lots of ways to protect your teen while staying within your budget. For example, a higher auto insurance deductible may lower the rate, but could mean more out-of-pocket expenses after an accident. If the vehicle is older or has very high mileage, liability coverage may be a better option than collision or comprehensive – though it will not cover damages to the car after an at-fault accident. Getting the right coverage that best fits your needs is important for saving money on your teen auto policy. Learn more about Nationwide’s auto insurance coverage types today.
Liberty Mutual has some of the best agents and customer service in the industry and was voted 2nd for customer satisfaction in a 2012 study by J.D. Powers. Although agents typically parter with community organizations and employers to sell policies, anybody can get a quote and a policy from Liberty Mutual. Two features in particular make them a company to put at the top of your list for consideration:
There are several ways that young drivers can save money on car insurance. The first is by qualifying for discounts, as most major insurers offer discounts targeted toward young drivers. These include discounts for being a good student and for taking a driver's education course. Additionally—if a teen is on their parent's policy—most large insurance companies will reduce car insurance premiums if the teen is away at school and has limited access to a vehicle.
This larger family sedan isn't just for parents. Mazda touts the vehicle as a "sports sedan" with excellent safety and reliability ratings, including anti-lock brakes, electronic stability control, daytime running lights and multiple airbags on the front and side. New features include blind spot monitoring and a rear cross-traffic alert system to notify drivers about objects and people behind the vehicle.
Texas, like other states, requires all drivers to carry a stated minimum of liability coverage ($25,000 for property damage, $30,000 per person/$60,000 per accident for personal injury). And although most drivers in Texas comply with the law and carry at least these legal minimums, many do not. Some estimates put the percentage of uninsured drivers in Texas at between 20 and 25 percent. Here is what will happen if you are caught as a member of that group:
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