The numbers go up quickly for subsequent convictions. If you are caught driving without insurance for an additional time, you will be fined between $350 and $1000. And you will still have to pay that additional $250 surcharge on your license for at least three years. There’s more. Repeat offenders also risk having their license revoked and their vehicle impounded. If that happens, you will face a long hard (and expensive) battle to get your license reinstated and your car back.
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.
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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.
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.

Defensive driving classes go beyond the basics taught in driver’s education by having motorists learn how to drive in hazardous conditions, anticipate dangerous situations and avoid accidents. The best part? The cost is usually only $25 to $75 and you’ll typically snag a discount of five to 15 percent for three years.  Note, however, that insurer and state law requirements for these discounts vary a great deal. For example, 21st Century Insurance offers a discount to drivers under the age of 21 who take a state approved defensive driver course but with Esurance the discount is not age-based and is available to all drivers in New York, New Jersey, North Dakota, Georgia and Oklahoma.
Terrific fuel economy might draw parents to this mid-size sedan, which has tons of safety features, including stability and traction control, integrated blind spot mirrors and optional lane departure warning. The optional MyKey feature limits top speed to 80 mph and radio volume to 45 percent, which can help parents breathe a little easier when teens gets behind the wheel.

State Farm’s discounts include those for good students, multiple automobiles, other products, and good driving habits (go at least three years without moving violations and no at-fault accidents). You can also take the Steer Clear course offered by State Farm to receive an even bigger discount. Defensive driving and less driving can also reduce your auto insurance premiums with State Farm.
As a professional auto insurance company, we can offer you the right coverage that is unique to your needs. At your convenience, we are here for you twenty-four hours a day, seven days a week. Quickly and easily submit your application for a free insurance quote using our easy to use website. As a customer, you will enjoy our suite of customer service forms all from your local agent.
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