Finding affordable car insurance is hard enough, but it can be even more difficult if you’re under 25 years old. Young drivers (read: inexperienced) are more likely to cause car accidents, and so young drivers also tend to be hit with higher premiums. But luckily this isn’t always the case.
There are several providers that can help get young drivers the coverage they need at an affordable rate. Here are some of the best cheap car insurance providers for drivers under 25.
Allstate has been around since 1931 and provides a wide range of auto insurance policies to suit every driver. They also offer several great discounts and features for younger drivers.
If you are an unmarried driver under the age of 25, you may qualify for Allstate’s Smart Student discount if you meet one of three criteria:
- You’re a full-time student that meets Allstate’s good grades requirements.
- You complete AllState’s “teenSmart” program, which is a driving training program designed to help young drivers reduce the risk of collision.
- You’re attending school 100 or more miles away from where your car is garaged.
If you want to save more, you might also look into Allstate’s Drivewise program. Just download the app to get custom driving insights and earn rewards for completing challenges. Head over to Allstate’s website to get a customized quote for the policy and services that best suit your needs.
State Farm offers plenty of different coverage options for drivers of all ages and budget requirements. They also have a number of great discount programs specifically for young drivers.
The first is State Farm’s “Steer Clear” savings program, which is available to drivers under 25. In order to qualify, you must be under the age of 25, have a valid driver’s license and have been free from at-fault accidents or moving violations in the past three years.
The program consists of things like training modules, quizzes and family member mentorship. Upon completion, you’ll be eligible to enjoy a discount of up to 15%.
You can also save up to 30% for enrolling in All State’s “Drive Safe & Save” program or up to 25% just for getting good grades.
Amica is a mutual insurance company that offers great rates on auto insurance with plenty of discount options. Many of Amica’s discounts are aimed specifically at younger drivers.
Students from ages 15 – 25 can enjoy a discount by earning at least a “B” average in school, while anyone under 30 may qualify for a “legacy” discount if their parents have held a policy for at least four years.
Additional discounts apply for drivers under 21 that complete a driver training program. You can even enjoy discounts just for driving a car with safety features such as airbags, anti-theft devices, or adaptive headlines.
Get a free quote online and be sure to check out their huge array of available discounts.
While Erie Insurance is only available in certain states, they’re definitely worth looking into if you reside within one of their service areas. Not only does Erie offer impressively affordable rates, but they also offer a Rate Lock feature. Rate Lock ensures that your rates will never go up unless you make a significant change to your policy.
Erie also offers great perks for young drivers, including the Youthful Driver Longevity Discount. Unmarried drivers under the age of 21 that live with their parents can qualify for discounts simply by being insured under their parent or guardian’s policy.
There’s also a Driving Training Discount available for drivers under 21, as well as rewards for drivers under 24 that stay accident and traffic violation free.
Erie also offers discounts for college students if living at school leaves them without access to their car. Each policy also comes with a number of free “Xtra Protection Features” that cover everything from pets to personal items if they are in your car when you have an accident.
Farmers is a company that has built a reputation based on providing great coverage for young drivers at an affordable rate. They also provide a discount for full-time high school and college students from ages 16 – 24.
In order to take advantage of the student discount, you’ll need to prove one of the following:
- That you’re in the top 20% of your class.
- That you have a GPA of “B” or better or at least a 3.0.
- That you have made the dean’s list or honor roll.
You can also save on your auto insurance by enrolling in Farmer’s “Signal” program. Just download the free smartphone app in order to get started. Signal works by monitoring things like your braking habits, speed and phone use every time you drive.
If it detects safe driving habits, then it rewards you with policy discounts. Just be aware that it also picks up on risky behavior and may actually cause your premiums to go up if you have recurring bad habits.
When you get a quote from Farmer’s, you’ll also be asked a series of questions to help you determine if you qualify for even more discounts.
How To Find the Best Auto Insurance Rates
While all of the providers we’ve listed are known for their great rates, quotes can vary depending on a number of different factors. While you always have the option of obtaining individual quotes from different companies, there are now a number of sites that make finding the best leads much easier.
Insurance rate comparison companies work by asking you to enter information about yourself, your location and your vehicle. They’ll then point you in the direction of providers in your area that offer the best rates for you. Some of the most reputable include sites like: