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.
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.
The first time you get caught driving without valid insurance in Texas, you will probably get off pretty lightly, at least compared with other states. That is, of course, if you consider the following getting off lightly. First-time offenders will, by law, be cited and fined between $175 and $350. Additionally, a surcharge of $250 will be added to your annual driver’s license fee for each of the next three years. Added up, getting caught driving without insurance in Texas the first time will end up costing you between $925 and $1100.
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.
The Outback features a rollover sensor, electronic stability control, daytime running lights and side airbags. The IIHS gave it a top ranking for front crash protection. The new EyeSight Driver Assist system uses two cameras mounted near the rearview mirror to monitor traffic and alert you if it senses a collision. The system even warns a driver when if the vehicle swerves outside of the lane and automatically taps on the brakes.
We know you are busy and the last thing you want to do is spend your precious time getting a car insurance quote. That is why we have made getting an affordable car insurance quote quick and simple. In as little as 3 minutes, you can get a car insurance quote from SafeAuto with coverages that are right for you - for the right price. We offer Bodily Injury and Property Damage for liability only insurance shoppers, as well as optional coverages such as Comprehensive, Collision, Medical Payments and much more. We offer 24/7 customer and sales support for all our potential and current customers so we are there when you need us. Another perk of SafeAuto insurance – our convenient payment options can make your monthly price more affordable and your car insurance can be even cheaper with SafeAuto discounts such as Multi-car and Senior Driver Improvement Course discounts.
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.
Travelers $1,056/year ($88/month) We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.
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).
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.
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.
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. 

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.

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.
The Accord resembles the Civic in safety and reliability but is a bit more luxurious. An Accord includes a rearview camera, anti-lock brakes, electronic stability control, daytime running lights, a rollover sensor, side airbags, front and rear head curtain airbags and front seat-mounted torso airbags. The newest models also feature LaneWatch, which activates a camera on the passenger-side mirror when you use the right turn signal. LaneWatch allows drivers to see almost four times what the passenger-side mirror alone would show, helping teens avoid blind spots.
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.
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.
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).
×