120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on December 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
New drivers often pay more for car insurance due to their inexperience on the road. But premiums vary by insurer, so it’s a good idea to shop around to find a rate that works for you. The best options for inexperienced drivers include Allstate, GEICO, and State Farm, to name a few.
Across all insurers, the average rate for new drivers is $193 per month for liability coverage. But new drivers may be able to save on car insurance rates by following a few key strategies.
Insurance companies may view new drivers as high risk.
Discounts may be available for safe driving, students, and more.
You’ll need three to six years of driving experience for insurers to no longer consider you as newly licensed.
A number of factors can affect the cost of your insurance premium, including how long you’ve been behind the wheel. Due to a lack of experience and high accident risk, car insurance premiums are higher for newly licensed drivers — especially teens.[?]
But if you just got your license and need to find a car insurance policy, comparing quotes from different insurance companies can help you save. Here’s a closer look at some of the best car insurance companies for new drivers, along with their average monthly liability quotes.
Insurance Company  | Cost to Insure a New Driver | 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. |
|---|---|---|
| Allstate | $158 | 8.9 |
| GEICO | $164 | 9.2 |
| State Farm | $114 | 9.3 |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
While no official definition exists for what insurance companies consider a “new” driver, it generally includes first-time drivers, like teens, recent immigrants, and drivers with long lapses in auto insurance coverage. Essentially, anyone with little to no recent history driving on U.S. roads can be considered a new driver.
Your age is one of the most important factors in setting your car insurance rates. Generally speaking, more mature drivers — drivers likely to have more experience on the road — have fewer accidents and receive lower premiums. Teenage and young adult drivers — drivers younger than 25 — usually get higher premiums.[?]
Insurance companies often charge young, newly licensed drivers more for car insurance due to their inexperience on the road and a higher likelihood of getting into an accident (and subsequently filing a claim).
Teenagers have nearly four times the chance of a car crash compared to drivers 20 and older, according to the Insurance Institute for Highway Safety and Highway Loss Data Institute.[?]
The following table shows the cheapest car insurance for teen drivers, according to Insurify data.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| COUNTRY Financial | $97 | $54 |
| Auto-Owners | $164 | $94 |
| USAA | $185 | $97 |
| State Farm | $222 | $114 |
| NJM | $226 | $151 |
| Erie | $229 | $152 |
| CSAA | $247 | $198 |
| GEICO | $250 | $164 |
| Root | $252 | $150 |
| Mile Auto | $252 | $156 |
| Anchor | $279 | $185 |
| Elephant | $283 | $194 |
| American Family | $288 | $154 |
| Allstate | $296 | $158 |
| The General | $299 | $156 |
| Clearcover | $306 | $223 |
| Mercury | $310 | $181 |
| Safeco | $310 | $192 |
| Direct Auto | $342 | $200 |
| Bristol West | $363 | $177 |
| Liberty Mutual | $374 | $276 |
| Nationwide | $375 | $200 |
| Commonwealth Casualty | $388 | $160 |
| National General | $395 | $212 |
| Dairyland | $408 | $136 |
| GAINSCO | $420 | $199 |
| 21st Century | $422 | $237 |
| Travelers | $422 | $225 |
| Farmers | $447 | $231 |
| Shelter | $502 | $325 |
| Chubb | $507 | $281 |
| AssuranceAmerica | $525 | $280 |
| The Hartford | $660 | $437 |
| State Auto | $772 | $452 |
| Amica | $828 | $550 |
Liability rates for teen drivers start at $54 per month
If you’re a new driver, you may be able to reduce your auto insurance premium in many ways. The exact strategy will depend on what type of new driver you are.
Here’s a closer look at how different types of new drivers can save.
If you’re a young driver, you have many ways to reduce your premium, including:
Have your parents add you to their policy. You can get on your parent or guardian’s auto insurance policy rather than getting your own separate auto policy. This will generally qualify you for a lower rate than your own.
Ask about discounts. You can also look for discounts, like good student discounts or pay-in-full discounts, or enroll in a safe driving program. These allow a mobile app to monitor your driving habits. If you drive safely for a certain period of time, it can lead to reduced premiums.
Take a defensive driving course. You may also be able to get lower premiums as a teen driver by taking a defensive driving course, driving a new car, installing anti-theft devices on your car, and shopping around for your car insurer. Premiums can vary quite a bit from one company to the next.[?]
Immigrants often have no experience driving in the U.S. Taking a defensive driving course can be a smart way to become a safer driver while also reducing your premiums, as many insurers offer discounts for completing these programs.
You can also increase your deductible, take advantage of discounts, and comparison shop among several companies. If you already have an existing insurance policy, such as home or renters insurance, you may be able to save by bundling. Most insurance companies have discounts for multi-policyholders.
If you have a lapse in insurance coverage or just driving in general, consider enrolling in a defensive driving or driver’s education course. This will help you brush up on your driving skills and potentially qualify you for a lower premium.
Choosing a new car with a high safety rating is also a good idea. You can further your savings if the car has certain safety features, like anti-lock brakes and airbags. You can also improve your credit score (this often plays a role in premiums) or choose a higher-deductible policy, if you have enough savings on hand to cover it.
Car insurance is a type of protection for both you and your vehicle. Every state except New Hampshire requires some amount of liability coverage.
If you get in a car accident, your vehicle is stolen, or you injure yourself in the car, your insurance policy will pay for some or all of the damages involved. Car insurance covers the costs to repair your car, go to the doctor for treatment, and even replace your car if it’s totaled. It also covers damage to other cars, drivers, and passengers.
When you get into an accident or another covered event occurs, you’ll need to file a claim. Then, your insurance company will investigate the insurance claim, send an adjuster to assess the damage to your car, and offer you a claim settlement. Once you pay your deductible — the portion of the claim you’re responsible for before insurance kicks in — your insurer will send you a check.[?]
Insurance companies generally consider you a new driver until you have at least three to six years of experience on the road. Once you reach this point in your driving history, your insurance premiums could start to drop.
To speed up the process and prove your safe habits on the road, taking a defensive driving or driver’s education course may help. Enrolling in your insurer’s safe driving program (if it has one) may be an option, too.
Getting your first car insurance policy can be overwhelming. To ensure you get the lowest rates possible, it’s a good idea to:
Shop around for your insurance company. Premiums can vary quite a bit among insurers, so compare a few options before deciding which one to go with. Be sure to ask about available discounts when comparing companies.
Know how much coverage you need. Most states require certain minimum amounts of liability insurance coverage. Sticking to these minimums can help reduce your premiums (though you may owe more if you get into a wreck later on).
Consider bundling policies. If you can get your car insurance policy from the same company that holds your home or renters insurance policy, you might get a discount. Insurers often refer to this as “bundling.”
Brush up your credit first. Your credit history and score will likely play a role in your car insurance costs. Coming in with a high credit score will give you the best chances at lower rates.
Check with your employer. Some companies offer group plans or discounts for their employees. Ask your work’s HR department if any insurance benefits exist for your company.
Talking to an independent insurance agent or financial advisor may also help you save. They can give you more information about your options, shop around on your behalf, and help you choose the best insurer and policy for your budget.
When considering car insurance as a new driver, this additional information may help as you research your coverage options.
Compared to experienced drivers, new drivers pay more for auto insurance because they pose a greater risk on the road. But you can still find affordable rates as a new driver if you compare quotes, lock in discounts, and drive safely.
On average, new drivers in the U.S. pay $193 per month for a liability policy and $342 for a full-coverage policy, according to Insurify data.
The best car insurance for new drivers comes with affordable rates and discounts from insurers with a great reputation and excellent industry ratings. You might want to consider an auto policy from Allstate, GEICO, or State Farm.
Their monthly liability rates for teens average $158, $164, and $114, respectively.
In almost every state, all drivers, including new drivers, must purchase car insurance. States generally require liability coverage, but if you lease or finance your car, the leasing company or lender will mandate full coverage.
If you do choose liability-only car insurance, note that it may not provide all the protection you need. It may be worth the extra cost to spend a bit more on a full-coverage policy.
It depends. Adding your teen to your car insurance policy can help teen drivers get lower rates. But it’s important to keep in mind that if your teen gets into an accident, it could affect your insurance, especially if it’s serious.
You can find the cheapest liability rates for new drivers from COUNTRY Financial, Auto-Owners, and USAA. They have monthly rates starting at $54, $94, and $97.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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