Cheap Car Insurance for Young Drivers

The following are ways that young drivers can get cheap car insurance:

Get Bare Minimum Coverage

Car insurance costs vary according to the amount of coverage provided in the policy. For instance, there are cheap car insurance policies that barely meet state minimum requirements. Also, there are more expensive car insurance policies where the coverage is more comprehensive. The minimal coverage car insurance policies cost much less than the comprehensive policies. Thus, if you want to save money, purchasing the minimal coverage policy is one way to do this. There are risks associated with this. However, it is an option.

Keep a Good Driving Record

Any time that you have a car collision, there is a possibility that there will be an increase in the amount that you have to pay for your car insurance. Anytime you have a problem, when the car insurance company finds out about the problem, their risk analysis leads them to believe that you are more likely to have additional problems. If you have additional problems, it is more likely that the car insurance company will have to pay a claim. Thus, in order to compensate for this, the car insurance company most likely will decide to raise your car insurance rates if you have any problems.

Have Good Grades

Some car insurance companies have special rates for students who make good grades. Of note, these rates may be significantly lower than regular car insurance rates. How much lower are the good student rates? How are good students defined? What specific grade point average is required? It depends on the car insurance company. It would be useful to do some comparisons of various car insurance companies to find out specifics.


Remember that it is possible for young drivers to find cheap car insurance. It may be necessary to search for awhile. However, if you are a young person who is very persistent, you will eventually find a satisfactory car insurance policy.