Best Auto Insurance for Teens in 2025 (Top 10 Providers Ranked)
Progressive, State Farm, and Allstate are the top picks for the best auto insurance for teens, offering rates at $32 per month. These companies offer comprehensive coverage and customized discounts, ensuring cost-effective and reliable insurance solutions that cater specifically to the needs of teen drivers.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Dec 22, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Teens
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Teens
A.M. Best Rating
Complaint Level
Pros & Cons
The top picks for the best auto insurance for teens are Progressive, State Farm, and Allstate, renowned for offering affordable and comprehensive coverage that caters specifically to young drivers.
This article delves into essential information and advice on choosing the right auto insurance for teens, including detailed reviews of top providers and tips for securing lower rates.
Our Top 10 Company Picks: Best Auto Insurance for Teens
Company | Rank | Good Student Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 10% | A+ | Bundle Discounts | Progressive | |
#2 | 25% | A++ | Customizable Policies | State Farm | |
#3 | 20% | A+ | Comprehensive Coverage | Allstate | |
#4 | 15% | A+ | Local Agents | Nationwide | |
#5 | 10% | A | Policy Options | Liberty Mutual | |
#6 | 15% | A | Online Convenience | Farmers | |
#7 | 10% | A | 24/7 Support | AAA | |
#8 | 8% | A++ | Vanishing Deductible | Travelers | |
#9 | 10% | A+ | Safe-Driving Discounts | Esurance | |
#10 | 12% | A+ | Multi-Policy Discounts | National General |
Whether you’re adding a teen to your existing policy or starting fresh, our guide ensures you make an informed decision to best support the young driver in your family.
Comparing quotes is integral to finding the best rates possible. Enter your ZIP code above into our free tool today to see what quotes might look like for you.
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#1 – Progressive: Top Overall Pick
Pros
- Bundle Discounts: Progressive offers enticing bundle discounts, allowing teens and their families to save on multiple policies.
- Good Student Discount: With a good student discount of up to 10%, Progressive encourages academic excellence while reducing insurance costs.
- Comprehensive Coverage: In this Progressive auto insurance review, it’s highlighted that the company offers extensive coverage options, particularly beneficial for safeguarding teen drivers while driving.
Cons
- Limited Local Agents: Progressive may have limitations in terms of local agents, potentially affecting personalized and localized service.
- Varied Customer Service: While some customers praise Progressive’s service, others report varied experiences, indicating potential inconsistencies.
#2 – State Farm: Best for Customizable Policies
Pros
- Customizable Policies: State Farm stands out for its customizable policies, allowing families to tailor coverage according to their specific needs.
- High Good Student Discount: State Farm auto insurance review highlights up to 25% savings for good students, promoting academic excellence and offering significant discounts.
- Local Agents: State Farm’s extensive network of local agents ensures personalized service and quick assistance.
Cons
- Potentially Higher Rates: Some customers report comparatively higher rates with State Farm, which could be a consideration for budget-conscious families.
- Complex Claims Process: State Farm’s claims process may be perceived as complex by some customers, leading to potential frustrations.
#3 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Allstate is recognized for its comprehensive coverage options, providing a wide range of protection for teen drivers.
- Good Student Discount: Offering a good student discount of up to 20%, Allstate promotes academic achievement while reducing insurance costs.
- Multi-Policy Discounts: Allstate auto insurance review highlights that families can secure savings through multi-policy discounts when they bundle various insurance policies together.
Cons
- Potentially Higher Premiums: Some customers note that Allstate’s premiums might be on the higher side, requiring careful consideration of budget constraints.
- Mixed Customer Service Reviews: While many customers praise Allstate’s customer service, there are mixed reviews, indicating potential variability in service quality.
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#4 – Nationwide: Best for Local Agents
Pros
- Local Agents: Nationwide auto insurance review highlights the focus on local agents, providing personalized service with experts easily accessible for help.
- Good Student Discount: Offering up to 15% in good student discounts, Nationwide encourages academic achievement while providing substantial savings.
- Variety of Policy Options: Nationwide provides a range of policy options, allowing families to choose coverage that suits their specific needs.
Cons
- Mixed Customer Reviews: Nationwide receives mixed customer reviews, with some expressing satisfaction and others reporting issues, indicating potential inconsistencies.
- Limited Online Convenience: While Nationwide focuses on local agents, its online convenience may be comparatively limited, which could be a drawback for tech-savvy users.
#5 – Liberty Mutual: Best for Policy Options
Pros
- Policy Options: Liberty Mutual stands out for offering diverse policy options, ensuring that families can find coverage tailored to their preferences.
- Good Student Discount: The Liberty Mutual auto insurance review highlights the company’s endorsement of academic success with up to a 10% discount for good students.
- Online Convenience: Liberty Mutual provides online convenience, allowing users to manage their policies and claims conveniently over the internet.
Cons
- Limited Good Student Discount: While Liberty Mutual offers a good student discount, it may be comparatively lower than some competitors, potentially impacting savings.
- Mixed Customer Service Reviews: Customer reviews for Liberty Mutual’s customer service are mixed, with some experiencing positive interactions and others expressing dissatisfaction.
#6 – Farmers: Best for Online Convenience
Pros
- Online Convenience: Farmers auto insurance review highlights the company’s proficiency in providing an online platform that is user-friendly and convenient for handling policies and claims.
- Good Student Discount: Providing up to 15% in good student discounts, Farmers encourages academic achievement while delivering significant cost savings.
- Variety of Coverage Options: Farmers offers a variety of coverage options, ensuring families can tailor their policies to specific needs.
Cons
- Mixed Customer Reviews: Farmers receives mixed customer reviews, with some praising the service and others expressing dissatisfaction, indicating potential variations in customer experience.
- Potentially Higher Premiums: Some customers report that Farmers’ premiums might be on the higher side, requiring careful consideration of budget constraints.
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#7 – AAA: Best for 24/7 Support
Pros
- 24/7 Support: AAA auto insurance review highlights the availability of round-the-clock support, providing customers with assistance whenever needed.
- Good Student Discount: Offering up to 10% in good student discounts, AAA supports academic excellence while providing substantial savings.
- Variety of Policy Options: AAA provides a range of policy options, allowing families to choose coverage that suits their specific needs.
Cons
- Membership Requirements: To access AAA’s auto insurance, customers need to be AAA members, which might limit availability for non-members.
- Regional Availability: AAA’s availability may be limited to certain regions, potentially excluding customers in areas without AAA coverage.
#8 – Travelers: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Travelers offers a vanishing deductible, rewarding safe driving behavior and providing an incentive for responsible habits.
- Good Student Discount: With a good student discount of up to 8%, Travelers encourages academic excellence while delivering cost savings.
- Variety of Policy Options: Travelers auto insurance review highlights the company’s diverse range of policy choices, allowing families to select insurance that fits their unique requirements.
Cons
- Limited Good Student Discount: The good student discount offered by Travelers may be comparatively lower than some competitors, potentially impacting savings.
- Mixed Customer Reviews: Travelers receives mixed customer reviews, with some expressing satisfaction and others reporting issues, indicating potential variations in customer experience.
#9 – Esurance: Best for Safe-driving Discounts
Pros
- Safe-Driving Discounts: Esurance emphasizes safe-driving discounts, providing incentives for responsible behavior on the road.
- Good Student Discount: Offering up to 15% in good student discounts, Esurance supports academic achievement while delivering substantial cost savings.
- User-Friendly Online Platform: The Esurance auto insurance review highlights the convenience of its digital interface, which simplifies policy management and claim handling for users.
Cons
- Mixed Customer Reviews: Esurance receives mixed customer reviews, with some praising the service and others expressing dissatisfaction, indicating potential variations in customer experience.
- Limited Availability: Esurance’s availability may be limited to certain regions, potentially excluding customers in areas without Esurance coverage.
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#10 – National General: Best for Multi-Policy Discounts
Pros
- Multi-Policy Discounts: National General stands out with multi-policy discounts, encouraging customers to bundle their insurance needs for additional savings.
- Good Student Discount: The National auto insurance review highlights that National General rewards academic success with up to 12% discounts for good students, offering substantial savings.
- Variety of Coverage Options: National General offers a variety of coverage options, allowing families to tailor their policies to specific needs.
Cons
- Mixed Customer Reviews: National General receives mixed customer reviews, with some expressing satisfaction and others reporting issues, indicating potential variations in customer experience.
- Limited Online Convenience: While National General offers coverage variety, its online convenience may be comparatively limited, potentially impacting tech-savvy users.
Navigating Teen Auto Insurance: Affordable Options and Top Providers
Embarking on teen auto insurance can be daunting due to many options. Progressive offers an affordable choice with liability coverage at $105 per month and full coverage at $39, providing both value and extensive protection. To gain further insights, consult our comprehensive guide titled “Top Liability Insurance Coverage: What You Need to Know.”
Auto Insurance Monthly Rates for Teens by Coverage Level & Provider
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
AAA | $32 | $86 |
Allstate | $61 | $160 |
Esurance | $49 | $114 |
Farmers | $44 | $139 |
Liberty Mutual | $68 | $174 |
National General | $61 | $161 |
Nationwide | $44 | $115 |
Progressive | $39 | $105 |
State Farm | $33 | $86 |
Travelers | $37 | $99 |
State Farm follows closely, presenting teens with a monthly liability rate of $86 and full coverage at $33, emphasizing customization to meet specific needs and providing a sense of financial security on the road. As teens navigate the roadways, finding the right balance between budget considerations and robust coverage is key in making well-informed insurance decisions.
It features a range of leading insurance companies such as AAA, Allstate, Esurance, Farmers, Liberty Mutual, National General, Nationwide, Progressive, State Farm, and Travelers. For minimum coverage, the rates start as low as $32 and go up to $68, while full coverage rates range from $33 to $174.
This breakdown helps teens and their parents assess the most affordable and suitable insurance options based on their specific coverage requirements and financial constraints.
Understanding High Teen Auto Insurance Costs: A Comprehensive Guide to Finding Affordable Rate
Teen auto insurance quotes are notably higher due to their inexperience and higher likelihood of engaging in distracted driving. Insurers consider these factors as increased risks, leading to more expensive policies for teens.
Progressive stands out as a top-tier auto insurance provider for teens, offering a compelling blend of affordability and comprehensive protection.Zach Fagiano Licensed Insurance Broker
In general, the teenage auto insurance average cost per month is over $500 for full coverage and around $220 for minimum coverage. You’ll see higher rates if you have speeding tickets or drive a newer vehicle, so shop around and compare quotes from multiple companies before you buy.
Car insurance for a 16-year-old driver is typically the most expensive of any age group, with premiums being particularly high for 16-year-old males. This increased cost can be attributed to several factors.
Full Coverage Auto Insurance Monthly Rates for 16-Year-Old Drivers by Age & Provider
Insurance Company | 16-Year-Old Male | 16-Year-Old Female |
---|---|---|
Allstate | $638 | $608 |
American Family | $480 | $390 |
Farmers | $742 | $778 |
Geico | $312 | $298 |
Liberty Mutual | $778 | $716 |
Nationwide | $476 | $410 |
Progressive | $814 | $801 |
State Farm | $349 | $311 |
Travelers | $896 | $709 |
U.S. Average | $610 | $558 |
First, 16-year-olds are the youngest drivers on the road with the least driving experience, which statistically links them to a higher rate of accidents compared to more seasoned drivers. Insurers see this lack of experience as a significant risk. Rates with State Farm, Nationwide, Erie, and Geico teenage driver insurance are all cheaper than the national average.
Teens can generally expect a noticeable reduction in their auto insurance rates once they graduate from high school. As teens turn 18, they typically gain more driving experience, which insurers view as a decrease in risk.
This accumulated experience tends to result in fewer accidents compared to their earlier teenage years, which is a critical consideration for insurance providers.
Full Coverage Auto Insurance Monthly Rates for 18-Year-Old Drivers by Age & Provider
Insurance Company | 18-Year-Old Female | 18-Year-Old Male |
---|---|---|
Allstate | $448 | $519 |
Farmers | $597 | $629 |
Geico | $220 | $254 |
Liberty Mutual | $522 | $626 |
Nationwide | $303 | $387 |
Progressive | $591 | $662 |
State Farm | $229 | $284 |
Travelers | $530 | $740 |
USAA | $180 | $203 |
U.S. Average | $416 | $501 |
Again, Geico, State Farm, and Erie offer the lowest rates. However, 18-year-old drivers who are still students or starting college may be eligible for discounts and lower rates with other companies.
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High Costs of Youth on the Road: Understanding Auto Insurance Rates for Young Drivers
According to the National Highway Traffic Safety Administration (NHTSA), young drivers under 35 are more likely to cause and die in auto accidents than any other age group. Teen drivers are especially at-risk due to their inexperience behind the wheel, which can lead to speeding, slow reaction times, and distracted driving.
Because of these statistics, insurance providers consider teens high-risk. Providers believe teen drivers and those with teens on their policies are more likely to get into accidents and file a claim, which leads to higher-than-average rates.
Auto Insurance Monthly Rates by State & Coverage Level
State | Minimum Coverage | Full Coverage |
---|---|---|
Alabama | $37 | $79 |
Alaska | $47 | $90 |
Arizona | $48 | $89 |
Arkansas | $36 | $82 |
California | $45 | $88 |
Colorado | $49 | $91 |
Connecticut | $59 | $102 |
Delaware | $69 | $107 |
Florida | $76 | $113 |
Georgia | $55 | $98 |
Hawaii | $39 | $75 |
Idaho | $32 | $62 |
Illinois | $40 | $77 |
Indiana | $34 | $67 |
Iowa | $27 | $62 |
Kansas | $32 | $76 |
Kentucky | $47 | $83 |
Louisiana | $73 | $128 |
Maine | $30 | $62 |
Maryland | $55 | $100 |
Massachusetts | $52 | $98 |
Michigan | $72 | $121 |
Minnesota | $39 | $76 |
Mississippi | $41 | $88 |
Missouri | $38 | $79 |
Montana | $34 | $77 |
Nebraska | $33 | $74 |
Nevada | $64 | $100 |
New Hampshire | $35 | $70 |
New Jersey | $76 | $119 |
New Mexico | $44 | $84 |
New York | $71 | $120 |
North Carolina | $31 | $67 |
North Dakota | $25 | $67 |
Ohio | $35 | $69 |
Oklahoma | $40 | $88 |
Oregon | $53 | $81 |
Pennsylvania | $43 | $85 |
Rhode Island | $68 | $116 |
South Carolina | $50 | $89 |
South Dakota | $26 | $69 |
Tennessee | $37 | $77 |
Texas | $49 | $101 |
Utah | $45 | $78 |
Vermont | $30 | $68 |
Virginia | $38 | $74 |
Washington | $53 | $86 |
Washington, D.C. | $58 | $118 |
West Virginia | $43 | $88 |
Wisconsin | $33 | $65 |
Wyoming | $29 | $75 |
U.S. Average | $48 | $90 |
Other variables can also explain why your auto insurance is so high with a teen driver. For example, traffic congestion and auto theft rates in your state will impact how much you pay for auto insurance.
Your rates will vary based on your driving record and the vehicle you drive, but these averages will give you an idea of how much teen drivers are paying for insurance in your neighborhood.
Savings Strategies for Teen Auto Insurance: Discounts and Tips for Lowering Costs
Teens will pay higher insurance rates, but you can still save money on your auto insurance policy. Teen drivers often qualify for the most auto insurance discounts. Consider more discount opportunities below when looking for the best auto insurance for teens:
- Keep Your Grades up: Maintaining a 3.0 GPA or B average can save you between 5% and 20% on auto insurance.
- Increase Your Deductible: Auto insurance deductibles are the amount you pay out of pocket for a claim. You’ll have lower monthly rates if you can afford to pay $500-$1,000 upfront for repairs.
- Drive an Inexpensive Vehicle: Sports cars and luxury vehicles have higher insurance rates, so assign your teen driver to the older or less expensive vehicle to lower your monthly costs.
- Limit Your Mileage: Teens who drive less than 10,000 miles per year can get discounted rates with auto insurance companies for people who don’t drive often.
- Monitor Your Driving: State Farm Steer Clear and other telematics programs can monitor teen driving habits through a mobile app. Safe driving earns discounts, but poor driving habits could raise your rates.
- Take a Defensive Driving Class: Defensive driving discounts can save an average of 10% on monthly auto insurance rates.
Safe drivers always pay the lowest rates, and teens are eligible for safe driving discounts and more if they remain claim and accident-free.
Most auto insurance providers reserve defensive driving discounts for teen and senior drivers, so take advantage of these savings opportunities when possible to get the best rates.
Navigating Teen Auto Insurance: When It’s Time for Their Own Policy
Teens should get their own auto insurance policy if they own their vehicle — rates will be significantly higher when adding a new vehicle and a new driver to an existing policy. Shop around for teen auto insurance quotes to find a provider that fits your budget.
18-year-old drivers who aren’t enrolled in school, are members of the military, or otherwise live on their own should also have their own policies. Teens can also consider non-owner auto insurance if they don’t own a car but borrow vehicles often.
Be aware that state laws determine who is liable for an accident when teen drivers are involved. For example, even if a teen has their own insurance policy, some states will still hold the parents liable if the driver is a minor.
If the minor isn’t listed on the parent’s or guardian’s policy, the guardian may be liable for damages out of pocket. In these cases, adding a teen to your policy is best to ensure you have the proper coverage limits in case of an accident. For additional details, explore our comprehensive resource titled “Does Auto Insurance cover damage from a hit and run?“
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Case Studies: A Comparative Analysis of Best Auto Insurance for Teen Drivers
Navigating auto insurance for teen drivers can be daunting, as teens are statistically more prone to accidents. This analysis examines case studies from leading insurance providers, focusing on their strategies, coverage options, and pricing tailored for teen drivers. To learn more, explore our comprehensive resource titled “Top Auto Insurance Coverage: What You Need to Know.”
- Case Study #1 – Comprehensive Coverage Tailored for Young Drivers: Insurance Agency offers customizable auto insurance policies tailored to teen drivers. This study shows how personalized coverage plans provide essential protection and flexibility, adapting to changes as teens gain driving experience and assume varied driving responsibilities.
- Case Study #2 – Prioritizing Education and Prevention: DEF Auto Insurance integrates driver education programs into their insurance offerings. This case study explores the effects of educating teens on safe driving, examining how DEF’s strategy helps reduce risk, decrease insurance costs, and encourage long-term safe driving habits among young drivers.
- Case Study #3 – Addressing High Costs with Innovative Solutions: PQR Insurance Group is known for making teen auto insurance more affordable with innovative pricing strategies and discounts. This case study examines the effectiveness of these measures in real-world scenarios, aiding families in managing the high costs of insuring teen drivers.
- Case Study #4 – Transitioning to Independence: MNO Mutual Insurance specializes in guiding teen drivers as they transition from their parents’ policies to their own. This case study reviews the processes and considerations, focusing on how MNO supports young drivers in becoming independent and ensuring they are adequately protected.
This analysis offers a comprehensive overview of auto insurance options for teen drivers. Each provider presents unique advantages and programs that balance cost with coverage.
Progressive leads the pack for teen auto insurance with unmatched affordability and comprehensive coverage, setting the standard for value and security.Ty Stewart Licensed Life Insurance Agent
This guide assists families in making an informed decision that ensures safety, affordability, and peace of mind, emphasizing the importance of choosing the right insurance to protect young drivers on the road.
The Bottom Line: Affordable Auto Insurance for Teen Drivers
The guide highlights Progressive, State Farm, and Allstate as top auto insurance providers for teen drivers, offering affordable and comprehensive coverage. Teen drivers face higher insurance rates due to their inexperience and greater risk of accidents.
To reduce costs, it is recommended that teens and their parents compare insurance quotes, take advantage of safe driving discounts, and enroll in driver’s education courses. Parents should carefully evaluate these options to ensure they select a policy that provides adequate coverage and value for their teen.
See which companies have the cheapest rates for you by entering your ZIP code in our free comparison tool below.
Frequently Asked Questions
What is the best auto insurance for teenage drivers?
The best auto insurance for teenage drivers typically includes comprehensive coverage that balances affordability with adequate protection. Providers like State Farm, Allstate, and Geico offer plans that cater to young drivers with options for discounts and educational programs to help reduce premiums.
How can I find affordable auto insurance for teens?
To find affordable auto insurance for teens, consider comparing quotes from multiple providers such as State Farm, Allstate, and Geico. Look for discounts like good student discounts, defensive driving course discounts, and telematics-based programs that reward safe driving.
Start saving on your auto insurance by entering your ZIP code below and comparing quotes.
How much is insurance for a 16-year-old with State Farm?
The cost of insurance for a 16-year-old at State Farm varies depending on factors like the teenager’s driving record, the type of vehicle, and the coverage selected. State Farm also offers young driver discounts that can help lower premiums.
Check out our ranking of the top providers: Best Auto Insurance for a Vehicle in Storage
What discounts are available for teenage drivers through Allstate?
Allstate offers a teen driver discount which can be applied if the teenage driver meets certain criteria such as maintaining a good school record or completing a driver’s education course. Check with Allstate for specific eligibility requirements.
What are the benefits of the State Farm teenage driver program?
State Farm’s teenage driver program includes educational materials aimed at promoting safe driving habits, as well as potential discounts for completion of approved driver education courses. This program can help reduce the overall cost of insuring a teenage driver.
Which auto insurance providers offer the cheapest teen auto insurance?
The cheapest teen auto insurance can vary based on location and individual circumstances, but providers like Geico, State Farm, and USAA are known for offering competitive rates for teenagers.
Take a look at our list of the best providers: Cheap Auto Insurance
How do I compare teen auto insurance?
To compare teen auto insurance, gather quotes from several insurance companies such as Geico, State Farm, and Allstate. Consider factors such as the extent of coverage, deductible amounts, customer service, and availability of teen-specific discounts.
Are there any specific discounts for teenage drivers with USAA?
USAA offers discounts for teenage drivers who maintain good grades, complete an approved driver’s education course, or are away at school without a vehicle. These discounts are designed to make auto insurance more affordable for families with teen drivers.
What is included in Geico’s teenage car insurance policy?
Geico’s teenage car insurance policies generally include standard coverages such as liability, collision, and comprehensive. Geico also offers various discounts for teens who maintain good grades or complete a driver’s education course.
For a thorough understanding, refer to our detailed analysis titled “Top Collision Auto Insurance Coverage: What You Need to Know.”
How can I get an auto insurance quote for a teenager?
To get an auto insurance quote for a teenager, you can visit the websites of major providers like State Farm, Allstate, or Geico. You will typically need to provide information about the teenager’s driving history, the vehicle they will be driving, and the desired coverage.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.