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Tips for Finding the Best Auto Insurance for Teens

The first thing parents will notice about insurance for teenagers is that it can be expensive. The lack of driving experience makes insurance companies terrified – and it reflects in the price. However, there are a few different ways to find the best auto insurance for teenagers, and we’ll discuss them below.

The first thing you need to do is compare insurance rates with several local car insurance companies. You can do this through companies like Progressive, or through sites like Since auto insurance is a competitive industry (even for teenage auto insurance) the different companies are continuously trying to lower their rates or offer incentives so that you’ll choose them over their competitor. Comparing companies will lead you to the best deal. Make sure you are comparing to apples to apples; feel free to go line-by-line down a quote from their competitors, or email to them to verify their quote is equal coverage.

The next thing you need to do is learn what makes auto insurance for teenagers so expensive. There are a few different things that influence the price, including:

  1. The type of car they’ll be driving.
  2. What gender they are.
  3. Their driving record.
  4. Where you live.

Typically, the safer a vehicle, the cheaper the insurance – so look for cars with airbags, anti-lock brakes, etc. If you give this information to the insurance company, it can lower your rates. Also, insurance for girls is cheaper than insurance for boys because statistically, girls are less likely to get into a wreck. If you’re searching for auto insurance for your girl, you’re in luck; but if you’re searching for your son, you’re just going to have to bite the bullet.

If they already have a wreck on their driving record, chances are, the insurance is going to be more expensive. Of course the rate will go up or down as well, depending upon where you live. Trying to minimize the risk factors can help keep the rates for auto insurance for teens down!

Posted on 11.16.2009 by zippy