Best Car Insurance for New Drivers (2026)
Country Financial, USAA, and Auto-Owners offer the most affordable rates for new drivers.
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Written byDoug Bailey
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Doug BaileySenior Content Writer
Doug Bailey is a senior content writer at Insurify. Doug is an experienced business writer having worked more than a decade as a reporter and business editor at the Boston Globe, covering financial services and the insurance industry. Most recently, Doug was a regular contributor to InsuranceNewsNet, a news and information service for the insurance and financial industry.
Doug is a native New Englander hailing from Maine and works in Insurify’s Cambridge office.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Table of contents
Car insurance for new or teen drivers is consistently more expensive than coverage for experienced motorists. Insurers consider newly licensed drivers a higher risk because they have little or no driving history. This makes it more likely they’ll get into an accident as they gain driving experience.[1]
But while starting rates are expensive, new drivers still have several ways to lower their car insurance premiums. Discounts for safe driving courses, getting good grades, using telematics programs to monitor driving behavior, and staying on a family car insurance policy can all significantly reduce costs.
This guide will show you how much car insurance costs for new drivers, which insurers offer the best rates, and how first-time drivers can reduce their rates over time.
Quick Facts
Teen drivers often pay two to three times as much for car insurance as experienced drivers.
Staying on a parent’s or family member’s policy is often cheaper than buying your own policy as a new driver.
Many insurers offer discounts of 5% to 15% for completing an approved defensive driving course.
How much does car insurance cost for new drivers?
New-driver car insurance rates are typically higher, averaging $190 per month for liability coverage and $331 per month for full coverage. These higher rates are due to the fact that insurers rely, in part, on driving history when pricing policies. People without an established driving record present an unknown and greater risk for insurers.
Teen drivers generally pay the highest premiums, but adults who obtain a license later in life can also initially face elevated rates.
Rates typically decline after three to five years of safe driving.
Below are typical estimates of new-driver insurance costs. These averages reflect drivers with clean records purchasing liability-only coverage and full coverage.
Age Range  | Average Monthly Liability-Only Quote for New Drivers | Average Monthly Full-Coverage Quote for New Drivers |
|---|---|---|
| 16–17 | $184 | $374 |
| 18–19 | $187 | $351 |
| 20–24 | $137 | $279 |
| 25–29 | $127 | $258 |
| 30+ | $116 | 203 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Why do new drivers pay more for car insurance?
Insurance companies price policies based on risk. Newly licensed drivers have limited driving history, so insurers can’t easily evaluate their driving habits or accident likelihood. They’re also statistically more likely to be involved in an accident as they gain driving experience.
This applies to all first-time drivers, not just teenage drivers. Even adults in their 30s or 40s who receive their first license typically pay higher car insurance rates until they build a safe driving history.[2]
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Cheapest car insurance for new drivers
COUNTRY Financial, USAA, Auto-Owners, State Farm, and NJM are all known for offering cheap car insurance to new drivers, especially those with clean records.
The table below shows typical monthly estimates for liability-only and full-coverage policies. These rates assume the policyholder is a newly licensed driver with no accidents or violations. Actual quotes may be lower if you qualify for car insurance discounts.
You can compare these estimates with the average cost of car insurance to see how different insurers price policies for new drivers.
The below national rates are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Liability-Only Quote for New Drivers | Average Monthly Full-Coverage Quote for New Drivers |
|---|---|---|
| COUNTRY Financial | $63 | $118 |
| USAA | $98 | $189 |
| Auto-Owners | $104 | $183 |
| State Farm | $114 | $221 |
| NJM | $133 | $217 |
| Erie | $135 | $226 |
| Dairyland | $147 | $361 |
| Root | $147 | $247 |
| GEICO | $152 | $250 |
| The General | $154 | $303 |
| Commonwealth Casualty | $154 | $356 |
| Allstate | $161 | $309 |
| Mile Auto | $161 | $277 |
| American Family | $162 | $302 |
| Bristol West | $177 | $356 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best car insurance companies for new drivers
Insurers differentiate themselves in the marketplace through a variety of offerings, including strong discounts, flexible payment options, and tools designed for young drivers and other newly licensed motorists.
Below are three companies often considered among the best car insurance companies for first-time drivers.
GEICO: Best for affordable coverage
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
4.0
Best choiceBased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Showing recent national reviews - See all 7,536 GEICO reviews
Deborah
Verified Review
Lynn
Reviewed in Georgia on March 30, 2026
I like them. I have been with them for 2 years.
Carolyn
Verified Review
Excellent
Reviewed in Georgia on March 30, 2026
It's very sufficient and helpful.
Audrey
Verified Review
Sometimes things have to change.
Reviewed in North Carolina on March 30, 2026
We've been with GEICO for over 10 years. It's a good company, but the prices keep going higher and higher. With no accidents or tickets, we are still paying too much. It's just time for a change. Better pricing, more options.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is widely known for offering cheaper car insurance for new drivers, especially those with clean driving records. The company offers multiple discounts, including good student and driver training discounts. GEICO also offers an easy online quoting process, making it simple for newly licensed drivers to purchase their first policy.
Pros
Competitive rates for first-time drivers
Strong discount selection
Easy online policy management
Cons
Limited local agents
Discounts vary by state
Telematics savings may vary
State Farm: Best for student drivers
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
4.0
Best choiceBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Showing recent national reviews - See all 7,299 State Farm reviews
Nasser
Verified Review
Fair
Reviewed in Washington D.C. on March 30, 2026
The price changes every 6 months.
Robert
Verified Review
State Farm
Reviewed in Florida on March 30, 2026
State Farm is expensive, and despite their plug-in for my car, they don’t offer any discounts. I have been with them for about 7 years, same vehicle, no tickets or accidents, and they won’t decrease my rate.
Judy
Verified Review
Help! Need lower rate!
Reviewed in Tennessee on March 30, 2026
I just wish that the price was a little lower. I'm almost seventy years old, I'm on a fixed income, and I don't drive maybe three days out of the week, and that's mainly to church or right in town. I just think the rates could be a little lower for elderly folk.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the largest auto insurers in the United States and offers several programs tailored to young drivers. Its good student discount rewards students who maintain strong grades, and the company’s Steer Clear program encourages safe driving habits for newly licensed drivers.
Pros
Strong student discounts
Extensive agent network
Safe-driver education programs
Cons
Rates can vary widely by state
Fewer digital tools than some competitors
Some discounts have limited eligibility
Progressive: Best for usage-based savings
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $157/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Showing recent national reviews - See all 8,266 Progressive reviews
Deborah
Verified Review
Fair or Unfair
Reviewed in Texas on March 30, 2026
The good thing is that they are available when you have questions. The bad thing is when one of two cars is canceled. The difference was only 1 dollar lower on just one car, which made me think having a second full coverage car only cost a dollar. I did not understand getting charged for 2 cars for 2 months when I only had 1 car and the second was canceled. There was no reimbursement for the extra, and the difference in the premium was unclear.
William
Verified Review
Progressive Insurance Review
Reviewed in Illinois on March 30, 2026
Progressive had the most economical package for me.
Darrell
Verified Review
Don't Ask!
Reviewed in Missouri on March 30, 2026
Expensive but pays on claims slowly and cheaply. I haven't had any claims myself, but two close relatives have had within the last 20 months.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive’s Snapshot telematics program allows drivers to lower their car insurance premiums by demonstrating safe driving behavior. New drivers with careful habits may see substantial savings after a few months of monitored driving.
Pros
Snapshot telematics savings
Flexible policy customization
Strong online quoting tools
Cons
Snapshot may increase rates for risky driving
Discounts vary by region
Mixed customer service ratings
How to save on car insurance as a new driver
New drivers often pay higher rates at first, but several strategies can significantly reduce insurance costs over time. Here are a few you can employ quickly.
Stay on a parent’s insurance or a family member’s policy
Adding a newly licensed driver to an existing family car insurance policy is usually cheaper than buying a separate policy for your teenager. Families benefit from shared coverage limits and multi-vehicle discounts.
But buying your own policy may make more sense if you live independently or own your vehicle outright.
Enroll in a telematics or usage-based program
Telematics programs monitor driving habits such as speed, braking, and mileage. Programs like Progressive Snapshot, State Farm Drive Safe & Save, and Nationwide SmartRide reward safe driving with lower rates.
But some programs may raise premiums if the data shows risky driving. You could also consider pay-as-you-go car insurance, which could save you money if your teen seldom drives.
Take a defensive driving or driver’s education course
Many insurers offer discounts when drivers complete approved defensive driving courses. Companies such as GEICO, State Farm, and Travelers commonly provide these discounts.
In states where driver’s education is required for licensing, new drivers may automatically qualify.
Choose an affordable, safe vehicle
Insurance companies consider your vehicle type when calculating premiums. Cars with strong safety ratings, moderate horsepower, and low theft rates are usually among the cheapest cars to insure.
Assigning a new driver to the least expensive vehicle on a multi-car policy can also reduce premiums.
Increase your deductible
Choosing a higher deductible can reduce your monthly premiums because you agree to pay more out of pocket if you file a claim. This means you’re taking on more of the up-front risk.
But make sure you can comfortably afford to pay the deductible before opting for the increase.
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Car insurance discounts available to new drivers
Many insurers offer discounts designed specifically for new drivers and young drivers. Combining multiple discounts can significantly reduce car insurance premiums.
Common options include good student discounts, driver training discounts, telematics savings, and multi-vehicle or bundling discounts. Stacking several discounts can significantly lower new-driver insurance costs, especially for students with good grades and safe driving habits.
Discount Name | Typical Savings | Eligibility | Example Insurers |
|---|---|---|---|
| Good student discount | 10%–25% | Full-time students with a B average (3.0 GPA) or higher, or in the top 20% of their class | State Farm, GEICO, Allstate |
| Driver’s education discount | 5%–15% | Completion of an approved driver’s education course | Travelers, GEICO, Progressive |
| Defensive driving course discount | 5%–10% | Completion of an approved defensive driving program | Allstate, Farmers, Nationwide |
| Telematics / usage-based discount | Up to 30% | Enroll in a program tracking driving behavior through an app or plug-in device | Progressive, State Farm, Nationwide |
| Safe driver discount | 10%–20% | No accidents or violations over a set period (often 3–5 years) | GEICO, State Farm, Travelers |
| Multi-policy bundling discount | 5%–20% | Bundle auto with homeowners, renters, or condo insurance | Nationwide, Liberty Mutual |
| Away-at-school discount | 5%–10% | Student attends school more than 100 miles away without vehicle | State Farm, Travelers |
| Low-mileage discount | 5%–15% | Driver logs fewer annual miles than average | Nationwide, Liberty Mutual |
| Vehicle safety feature discount | 3%–10% | Vehicle equipped with airbags, anti-lock brakes, or other safety features | GEICO, Progressive |
| Anti-theft device discount | 5%–15% | Car equipped with alarm system, immobilizer, or tracking system | Allstate, Travelers |
What types of coverage do new drivers need?
Most states require drivers to carry liability coverage, which pays for injuries and property damage you cause to others in an accident. Liability insurance meets legal requirements but doesn’t cover damage to your own vehicle.
Many drivers instead choose full-coverage car insurance, which typically includes higher liability limits, collision, and comprehensive coverage. Lenders often require full coverage if you finance or lease your vehicle.
Drivers with older vehicles sometimes choose liability-only car insurance to reduce costs. But doing so means paying out of pocket if your vehicle is damaged.
Drivers with auto loans should also consider gap insurance. Gap coverage helps pay the difference between the loan balance and the vehicle’s value if your car is totaled.[3]
Ultimately, the best coverage for you depends on your vehicle value, financial situation, and risk tolerance.
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New driver car insurance rates by state
Insurance rates vary widely by location. State laws, accident frequency, weather risks, and repair costs all influence premiums.
The table below shows typical estimates for new drivers with clean records broken down by state.
The below national rates are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
State | Average Liability-Only Quote for New Drivers | Average Full-Coverage Quote for New Drivers |
|---|---|---|
| New Hampshire | $94 | $139 |
| Hawaii | $104 | $214 |
| Montana | $105 | $203 |
| Iowa | $110 | $193 |
| Wyoming | $110 | $192 |
| Wisconsin | $110 | $207 |
| North Dakota | $120 | $191 |
| South Dakota | $122 | $269 |
| North Carolina | $123 | $166 |
| Alaska | $126 | $203 |
| Mississippi | $127 | $242 |
| New Mexico | $129 | $247 |
| Tennessee | $134 | $261 |
| Alabama | $137 | $259 |
| Indiana | $141 | $258 |
| Nebraska | $141 | $267 |
| Idaho | $146 | $231 |
| Kansas | $147 | $270 |
| Ohio | $147 | $247 |
| Arkansas | $148 | $274 |
| Vermont | $149 | $307 |
| Oklahoma | $149 | $290 |
| West Virginia | $162 | $276 |
| Colorado | $163 | $343 |
| Missouri | $165 | $310 |
| California | $171 | $352 |
| Pennsylvania | $171 | $270 |
| Illinois | $174 | $316 |
| Minnesota | $178 | $307 |
| Oregon | $180 | $280 |
| Utah | $182 | $268 |
| Maine | $193 | $317 |
| Louisiana | $194 | $343 |
| Arizona | $205 | $347 |
| Washington | $206 | $356 |
| Massachusetts | $206 | $289 |
| Michigan | $208 | $326 |
| Kentucky | $210 | $326 |
| Virginia | $218 | $349 |
| Texas | $231 | $410 |
| New York | $236 | $268 |
| Connecticut | $258 | $365 |
| Delaware | $261 | $360 |
| Nevada | $268 | $403 |
| Maryland | $271 | $395 |
| Georgia | $282 | $426 |
| Florida | $285 | $353 |
| New Jersey | $287 | $398 |
| South Carolina | $291 | $421 |
| Rhode Island | $297 | $406 |
| Washington D.C. | $309 | $453 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
New driver car insurance FAQs
If you’re a new driver and have questions about coverage options and costs, here are some quick answers to get you started.
How long are you considered a new driver?
Most insurers consider you a new driver for three to five years after you receive your license, but this can also depend on your driving record and claims history.
Is it cheaper to stay on a parent’s car insurance as a new driver?
Yes. Adding a new driver to a family insurance policy is usually cheaper because the risk is spread across multiple drivers and vehicles.
How much is car insurance for a new driver per month?
The cost of a new driver’s insurance policy often ranges from $150 to $500 per month, depending on their age, vehicle, coverage level, and location.
What is the cheapest car to insure as a new driver?
Vehicles with strong safety ratings and moderate value — such as compact sedans — typically carry the cheapest car insurance for new drivers.
Do new drivers have to get their own policy?
No. Many first-time drivers remain on a family policy, though drivers who own their vehicle or live independently may need their own policy.
How much does a defensive driving course lower insurance for new drivers?
Many insurers offer discounts of 5% to 15% for completing an approved defensive driving course.
At what age does car insurance go down for new drivers?
Car insurance rates for new drivers generally start to drop around age 25. They can also begin declining gradually a few years earlier if the driver maintains a clean record.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Car Insurance for New Drivers."
- NAIC. "Car Insurance for New Drivers."
- Consumer Financial Protection Bureau. "What is credit insurance for an auto loan?."
)
Doug BaileySenior Content Writer
Doug Bailey is a senior content writer at Insurify. Doug is an experienced business writer having worked more than a decade as a reporter and business editor at the Boston Globe, covering financial services and the insurance industry. Most recently, Doug was a regular contributor to InsuranceNewsNet, a news and information service for the insurance and financial industry.
Doug is a native New Englander hailing from Maine and works in Insurify’s Cambridge office.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in