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.
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.
Eco-friendly and affordable, the Prius is a hybrid electric mid-size hatchback with electronic stability control, anti-lock brakes, side airbags and a driver knee airbag that helps to minimize knee injuries in frontal crashes. For an eco-conscious teen, the Prius offers three drive modes that improve fuel economy by adjusting the throttle and climate control.
We fooled you, as chances are you thought we’d list the “good student discount,” which usually gives up to 15 percent off for those who maintain a “B” average, but most folks are aware of that. While it’s a bonus that’s good to get, and one we recommend you look into, you can likely save way more by simply doing a car insurance comparison to see who offers the lowest rates. Here’s why: Rates for the exact same coverage vary by hundreds of dollars, depending on which insurer you choose. That’s because each insurance company assesses risk differently and uses its own formula when deciding how much you pay. If you don’t shop around, you won’t save. You can see how much you can save by using our average car insurance rates tool, which shows rates by ZIP code for six age groups and three coverage levels, as well as the highest and  lowest rates fielded from up to six major insurers.
Eco-friendly and affordable, the Prius is a hybrid electric mid-size hatchback with electronic stability control, anti-lock brakes, side airbags and a driver knee airbag that helps to minimize knee injuries in frontal crashes. For an eco-conscious teen, the Prius offers three drive modes that improve fuel economy by adjusting the throttle and climate control.
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.
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.

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Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.
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.
Even the most careful car owner will find that things go wrong from time to time. From unexpected breakdowns to cracked windscreens, mishaps can (and do) happen. It pays to be prepared so that you know exactly what to do in the event of a vehicle-related problem. That’s why we like to make it easy for our customers to find cheap car insurance. Endsleigh is the only insurance provider recommended by National Union of Students (NUS) and we’ve been in the student insurance business for nearly 50 years.
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