Top Car Insurance For Young Drivers 2021 : Customized Offers, Cheap Rates

Check out our guide for the best car insurance deals for young drivers below. Find an offer that helps you to save money on your car insurance!

As a new driver, you have entered into a world of possibilities and also responsibilities. Placing yourself behind the wheel of a car can be exhilarating especially if you’ve got great wheels.

Driving, like every other skill, requires practice. Do not expect to be perfect on your first day. Theoretical knowledge of driving will prove to be useful but you can only learn so much.

You should also bear in mind that you will be driving alongside more experienced drivers. Be patient with yourself. With time and practice, driving will become as easy as a reflex action.

Before you get your car on the road, there are a few things you should know.

Becoming a Driver in the US – Guideline

The US has specific requirements you have to meet to become recognized as a legal driver. This section tells you all you need to know about driving in the US.

General Requirements and Policies for New Drivers

To drive in the US, you need your driver’s license. The processes, age, and requirements to get your license vary according to state law. One requirement that is common across all states is that you will need one form of documentation. Visit your local Registry of Motor Vehicles (RMV) to get your driver’s license.

For New Drivers under 18 Years Old

If you’re a new driver under the age of 18, you will get a learner’s permit. This is the document you receive before you get your driver’s license. With this permit, you can practice driving only under the supervision of an adult who is 21 years old or older.

The application age for this permit varies from 14-16 years old, depending on the state. To apply, these are the documents required by all states:

• Certified US birth certificate

• Graduation certificate or proof of school enrollment

• Social security card or proof of social security number

Some states need more documents from you. Generally, you are also expected to provide cash payment for the license exam you are to take which may be practical, visual, or written.

The process to get this license differs between states. You may be required to write one type of exam or more than one. Also, you have to practice for about 30 hours or take an approved driving course. This practice is called Driver’s Ed and can be done by private companies or some public high schools.

Most states give you the unrestricted license only when you have held your learner’s license for up to 6 months. With an unrestricted license, you can drive without supervision and when you’re 18 years old, you can drive without a curfew.

For New Drivers above 18 Years Old

For this category, Driver’s Ed is not compulsory but it is highly recommended. It is the same across most states. The generally required documents are:

• Social security card or proof of social security number

• Identity card

• State of residency or proof of address

Some RMV’s will give you a form to fill when you get there or you can download and print it from the internet. You may be required to take a written exam depending on the state you live in. You will also be required to pay some kind of fee.

International DriversIf you are not a US citizen but intend to drive here for a short period, you can do so with a valid driver’s license from your country. Some states require that you get an additional international driving permit (IDP). This permit is applied for in your home country and is valid for a year. Once you gain residency, you are required to get a US driver’s license.

Finding the Best Car Insurance as a Young Person

Car insurance is essential to get once you start driving. Insurance for teens and young adults is usually expensive so it is quite the task to find one that is best suited.

To find the best insurance for you, you should consider:

• Joining your family’s car insurance policy as it is usually cheaper

• Insurance companies with specialized offers designed for young adults

• Quotes from different companies before making a decision

Some insurance providers that have specialized offers for young adults include:

American Family

American Family offers a great deal for young adults who need car insurance. For drivers between the ages of 16-25, there is a chance to qualify for the good student discount. You also get to save money if you’re a student 100 miles from home with your car parked away.

If you enroll in their teen safe driver program, it helps your policyholder qualify for a 10% discount when you drive 3000 miles or use the app for a year. Get rewarded as a young volunteer under the age of 25. To qualify, you must complete 40 hours per year of volunteer work for a non-profit.

You can also enjoy a discount on your auto policy if your parents are customers. Make sure to talk to an agent to ensure you make use of all the discounts you qualify for.

Amica

Amica is an insurance provider whose customer support you can bank on. With Amica, you can get a discount as a young driver under 21 if you complete an accredited driver’s training program.

You qualify for a legacy discount if you’re under 30 years old and your parents have had an auto policy with them for at least 5 years. You want to be careful with your choice of car as the features can qualify you for some discounts.

If you’re covered under your family’s insurance policy, you can get them a good student discount if you’re between the ages of 16-25 and are at least a B student. You can also earn your parents a discount if you’re away at school and have your car parked at home.

State Farm

State farm offers auto insurance for teen drivers and young adults. You can complete their Steer Clear program to qualify for a safe driver discount. You are rewarded for how careful and attentive you are when driving.

To qualify for the discount, you should meet the following criteria:

• Be under 25 years of age

• Have a valid driver’s license

• Have no at-fault accidents or moving violations in the past 3 years

• Complete the program within 6 months of starting.

As a good student, your good grades can help you save up to 25%. You can easily visit a state farm agent in your area or have a conversation over the phone.

Geico

Geico is the second-largest auto insurer in the US. They have great offers for different categories of people including young adults. If you’re a full-time student with good grades, you can qualify for the good student discount.

You are also rewarded for being a good driver. To qualify, it is required that you have not been involved in an accident in the past 5 years.

Belonging to particular organizations can earn you membership and organization discounts. These discounts are available in most states so be sure to talk to any of their agents about them.

Travelers

Travelers reward young drivers when they meet certain requirements. You can get the driver’s training discount when you pass an approved driver’s education course. This discount can be up to 8%.

As part of a policy, you can earn your family an 8% discount by being a good student and a 7% discount when you’re 100 miles away from home with your car parked. They also have other benefits that are not for the young adult driver alone such as the new car discount and the early quote discount.

Final Thoughts

Insurance for young drivers can be expensive but some providers have found a way to help you save. American Family offers you discounts for an independent policy and another set of discounts if you’re a part of a family policy. This gives you enough opportunities to save and reduce your cost. Based on these, we believe it’s the best choice for young drivers.