Luis Pazos 
When you’re a teenager or young adult, getting car insurance is neither enjoyable nor cheap. This is especially true when adding coverage to a parent’s plan, and it’s even more challenging for young adults buying their own insurance.
However, the best car insurance for young drivers offers good protection for the whole family without costing a fortune. To find the best affordable insurance, you’ll need to compare various policies and see which discounts you can get. In the meantime, figure out what types of coverage you really need.
We evaluated over 20 top insurance companies to help you find the best car insurance for young drivers in 2024. If you’re ready to start, here are our top picks:
- Nationwide: Best for Teen Drivers
- American Family: Best for Usage-Based Discounts
- Allstate: Best for Good Students
- State Farm: Best for Safe Vehicle Discounts
- Geico: Best Discounts Overall
- USAA: Best for Military
Nationwide provides a variety of coverage options like liability-only, collision, and comprehensive coverage, plus rental car reimbursement. They also offer accident forgiveness so your premiums won’t spike after your first fault accident. Discounts include Good Student, Employer-Sponsored Plan, Multi-Policy, and SmartRide, which uses a plug-in device to monitor your driving for discounts.
American Family Insurance offers all the basic coverages plus roadside assistance via the MyAmFam app. Their Safe Driver Discount Program for Teens uses an app to monitor driving, rewarding families with a 10% discount after 3,000 miles. Discounts include Away at School, Good Student, Multi-Product, and Young Volunteer.
Allstate’s Accident Forgiveness prevents premium increases after your first accident. The Safe Driving Bonus program sends you a check every six months if you remain accident-free. Discounts include Drivewise, Multi-Policy, Responsible Payer, and Smart Student.
State Farm’s Steer Clear program for drivers under 25 helps you save up to 20% on premiums through safe driving habits tracked by an app. They offer discounts for passive restraints, anti-theft devices, and good students. Programs include Drive Safe & Save and Defensive Driving Course discounts.
Geico offers competitive pricing and discounts. Their Accident Forgiveness Program keeps premiums steady after one at-fault accident. Discounts include Good Driver, Government Employee, Military, and Good Student.
USAA offers car insurance to military members and their families, featuring programs like SafePilot, which saves you up to 30% for safe driving. Discounts include Driver Training, Safe Driving, Good Student, and Family discounts.
Understanding different types of insurance and average costs is key before choosing a policy. Young drivers often pay more due to higher accident rates. Rates decrease with age and through maintaining a safe driving record.
To lower insurance costs, avoid accidents, take driving courses, and look for discounts. Staying on a parent’s plan also helps. Always check for all eligible discounts.
Finding the right company involves looking at financial strength ratings, mobile apps, and programs for young drivers. The best companies have ‘A’ ratings from financial institutions and the Better Business Bureau.
Summary of the Best Car Insurance for Younger Drivers in June 2024:
- Nationwide: Best for Teen Drivers
- American Family: Best for Usage-Based Discounts
- Allstate: Best for Good Students
- State Farm: Best for Safe Vehicle Discounts
- Geico: Best Discounts Overall
- USAA: Best for Military
