Not too long ago, Esurance was bought by Allstate. The insurance company, long known for offering low quotes online is now backed by one of the most-known players in the insurance business. It’s easy to get a quote online, or reach the 24/7 toll-free customer service line. Esurance also makes it easy to manage your auto insurance policy and your claims online.
Typically, adding a teen driver to their parents' policy will be a cheaper alternative to getting a teen a car insurance policy on their own. The person most affected in this case is the parent, who is taking on a significant risk by adding a new, teen driver to their policy. As a result, insurance companies will increase their yearly payments. Nonetheless, the increase is still far less than the yearly price of getting a teen their own insurance.

Recently, Honda Civic designers have focused on safety, adding a reverse camera to all vehicles. In addition, the Civic features electronic stability control, anti-lock brakes, daytime running lights, side airbags, front and rear head curtain airbags and front seat-mounted torso airbags. Winning top marks in all IIHS safety categories since 2006, the latest models incorporate hands-free Bluetooth phone connection and digital dashboard control, which is sure to appeal to teens seeking a modern feel. Only hybrid versions have front crash prevention.


In western states, Grange Insurance Association (not to be confused with Grange Insurance) typically offered some of the cheapest car insurance policies to young drivers. Grange operates in California, Idaho, Wyoming, Colorado, Washington and Oregon. In Oregon, young driver rates from Grange were about 75% less expensive than the state average. For those looking for car insurance in California, GEICO is also another cheap alternative.

Liberty mutual $3,266/year ($272/month) To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.
Car insurance for college students can be pricey for sure, but you can capitalize on certain discounts. One that can reap up to 20 percent off is the “Student Away” discount. Typically, you qualify if you are listed on your parent’s policy and drive one of their cars they keep at home but attend college 100 or miles away. Some insurers may also require that you are under age 26 and unmarried to receive the discount.
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
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.

Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
In western states, Grange Insurance Association (not to be confused with Grange Insurance) typically offered some of the cheapest car insurance policies to young drivers. Grange operates in California, Idaho, Wyoming, Colorado, Washington and Oregon. In Oregon, young driver rates from Grange were about 75% less expensive than the state average. For those looking for car insurance in California, GEICO is also another cheap alternative.
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:
Adding a 17-year-old male driver to an existing policy will add $2,593 more in auto insurance costs per year—increasing the average annual rate from $1,259 to $3,852. This saves $5,096 per year—a 66% reduction in auto insurance costs—compared to the cost of the same 17-year-old getting their own policy. Additionally, if parents happen to insure their car with GEICO, their teen will have access to GEICO family pricing. This is a program where a teen can—when they get their own policy—get a discounted rate due to the family being a part of GEICO.

As the parent or guardian of a young driver, you know it's essential to have good car insurance to protect them. Whether you're paying for it or they're working hard to foot the bill, it's a new expense for your family. Fortunately, you can find cheap car insurance for teens without breaking the bank. Here are the six ways to lower the cost of a young driver on your policy:


We acquired quotes from over 103 companies in 200 cities across the U.S. for a sample 17-year-old male driver who drives a 2011 Toyota Camry. We specified that he previously did not have insurance and was opting for full coverage (see limits below). We included the top 15 cheapest companies that were also available in at least 15 cities nationwide. For adding onto a parent's policy, we assumed the parent was a 45-year-old male, married, with no previous accidents or incidents in his driving record.
According to insurance experts, one way for parents to keep their costs down is to buy cars that rank high in safety tests, such as minivans and family sedans. These cars get into fewer crashes than the expensive, high-horsepower cars that appeal to younger drivers, according to the Highway Loss Data Institute, a nonprofit research organization that publishes insurance loss statistics on most vehicles.
Liberty mutual $3,266/year ($272/month) To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.
In the small SUV category, the Outlander boasts safety features such as a rollover sensor, driver knee airbag, electronic stability control and airbags on the front and sides. With seven-passenger seating, front dual-zone climate control, a rearview camera and a 6-inch touchscreen display, the Outlander is built for young drivers who want to sit higher than in a sedan but still want a sleek ride.
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.
Endsleigh Insurance Services Limited (Company no: 856706), Endsleigh Insurances (Brokers) Limited (Company no: 1379864) and Woodstock Insurance Brokers Limited (Company no: 04288957) are all authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register. All are registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.
Federal research shows people are driving more --  the average miles driven per year is on the rise --  and more motorists on the road means more accidents. The cost to repair newer model cars with high-tech safety devices and sensor technology is also increasing, as are medical costs for injuries. And don’t forget about the hurricane and hail damage from recent severe weather storms. Insurers are passing on some of these higher expenses to you in the form of higher car insurance rates to recoup their losses.
Endsleigh Insurance Services Limited (Company no: 856706), Endsleigh Insurances (Brokers) Limited (Company no: 1379864) and Woodstock Insurance Brokers Limited (Company no: 04288957) are all authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register. All are registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.
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:
×