Liberty Mutual $2,238/year ($187/month) Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.
Now it is time to ask yourself if saving a little money per month by dropping your auto insurance is worth the risk. I suppose it’s also time to bring back the parachute analogy. Driving without insurance in Texas is a bit like jumping from a plane without a chute. If you do it, you are bound to crash. Proper coverage is an inexpensive way to protect yourself in case of unforeseen accidents.

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.
Another significant way to reduce costs is by omitting coverages that may be unnecessary and expensive for teen drivers—such as collision insurance. Collision insurance is costly for teen drivers. This is because these demographics are statistically more likely to get into an accident and file an insurance claim than more experienced drivers. If your car is worth less than a few thousand dollars, getting collision coverage will not be worth the increase in premiums, and we recommend opting for basic coverage instead.
Car insurance rates have continued to climb in recent years, and 2019 will see the continuation of that trend. If you’re in the market for car insurance for new drivers, say teens, or car insurance for college students, that isn’t good news, as rates are super high for inexperienced motorists. But you’re in the right place to learn how to lower car insurance costs, even though finding cheap car insurance for young drivers is challenging, it’s not impossible.
The Rogue is another great pick for teens seeking a safe but eye-catching SUV. The model features head curtain airbags for all three rows of seats, front seat-mounted torso airbags, a rollover sensor and electronic stability control. If your teen is planning on driving long distances to activities or to college in a few years, the "Zero Gravity" front seats are designed to improve blood flow and minimize fatigue during long drives.
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.
Another significant way to reduce costs is by omitting coverages that may be unnecessary and expensive for teen drivers—such as collision insurance. Collision insurance is costly for teen drivers. This is because these demographics are statistically more likely to get into an accident and file an insurance claim than more experienced drivers. If your car is worth less than a few thousand dollars, getting collision coverage will not be worth the increase in premiums, and we recommend opting for basic coverage instead.

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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.

Safe Auto Group Agency, Inc and/or its affiliates (“Safe Auto”) is located and operated exclusively in the United States of America. Safe Auto does not offer goods and/or services in any language of an European county, does not deal in any European currencies, and does not underwrite risks for or issue policies to individuals or companies located in the European Union.


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.
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.
The Rogue is another great pick for teens seeking a safe but eye-catching SUV. The model features head curtain airbags for all three rows of seats, front seat-mounted torso airbags, a rollover sensor and electronic stability control. If your teen is planning on driving long distances to activities or to college in a few years, the "Zero Gravity" front seats are designed to improve blood flow and minimize fatigue during long drives.
Reduce your mileage: One of the things insurers will look at is how many miles you estimate you’ll be covering over the course of the year. The less you are out on the road, the less of a perceived risk you are. Therefore, being accurate with your estimate mileage will avoid overpaying for miles you won’t use. And if you can reduce this by using public transport or getting involved in a car share you may save money on your premium.

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.
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