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Can a minor buy car insurance?

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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The lowdown...
  • People under the age of 18, often called minors, can purchase car insurance of their own
  • Although this can an exciting step on the journey towards adulthood, considering what comes with buying your insurance is important
  • Being a minor, you will encounter challenges that older, more experienced drivers will not face
  • These challenges can include high premium costs, being labeled a high-risk driver, or overcoming your lack of experience
  • Even as a minor, you may have a driving record or insurance history that classifies you as high-risk, meaning your choices may be limited by this

Drivers under the age of 18 are often considered minors; even car insurance providers may consider you a minor in this instance.

As a minor, you are still able to purchase your car insurance policy, but this means there are several things to take into consideration before you do.

Your insurance purchase now will affect you in the present and into the future, so making a smart choice is crucial. Get the best price possible on premiums. Compare quotes side-by-side today.

Purchasing Car Insurance As A Minor

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When you become licensed to operate a motor vehicle, having an active car insurance policy is something you will be required to have.

This requirement is called a compulsory auto insurance law, which means that you will face legal repercussions if you fail to maintain an active policy.

This may be checked by your state through different means, such as random insurance policy audits.

Buying you car insurance policy may be your first step towards being an adult, but just because you can purchase coverage does not mean that you should.

There are times where purchasing coverage may be your only option, but there are situations where considering an alternative solution may be the best thing to meet your needs.

Purchasing insurance coverage at a young age can give you some real world experience when it comes to working with big companies, such as an insurance carrier.

This will often include getting coverage quotes and creating a budget to meet your needs.

One potential downfall that you can face is your age; being such a young driver means you will not have years of experience or good driving records to offset your risk factors.

When any potential insurance carrier quotes your policy and determines your premium costs, they take your risk factors into the equation.

A high number of risk factors can lead to very high premiums or an inability to acquire coverage.

While you can purchase coverage at such a young age, you may want to consider joining the insurance policy of someone with more experience and more history; this is usually a:

  • parent
  • guardian
  • trusted adult

They may have years of safe driving and a good driving record, both of which can help reduce insurance costs and risk factors.

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Your Lack Of Experience May Come At a Cost

As a minor looking to purchase a car insurance policy, you may find that high premiums are a consistent outcome at any insurance provider you pursue.

This is due to statistical data insurance companies have that shows younger drivers are often inexperienced and involved in accidents.

While this is not necessarily true for each driver under the age of 18, insurance providers look at generalized data about an age group to determine their overall risk.

If you are a safe driver, even as a minor, you will usually encounter high premium costs for several years; in most instances, this drops off as you reach certain age milestones, such as 21 or 25.

Even in situations when you remain on a policy with an older, more experienced driver, you will likely see premium increases due to your age.

This premium increase helps to offset the amount of risk a minor can add to a policy.

As you continue to grow older and gain more experience on the road, your insurance providers are going to be more inclined to reward you for good behavior.

These behaviors include:

  • responsible driving
  • avoiding accidents
  • growing older

Being an older driver often equates to more experience behind the wheel, which means lower risk exposure.

If you are curious about ways to lower your premium costs, speak to your current or potential insurance carrier about steps you can take. They may be able to make suggestions that can help lower your costs or reduce your risk exposure.

Influencing Factors When It Comes To Your Coverage

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There are factors that can influence your ability to obtain coverage, which can include your driving record and your insurance history.

Red flags include:

  • previous claims
  • previous violations
  • previous citations

This can influence how much you are charged for your coverage or the coverage options you can choose from.

Being involved in an accident or filing a claim is one of the more common ways that your coverage may be affected.

When filing a claim with an insurance carrier, this information often remains on your insurance history for many years following the incident; this can lead to premium increases or problems obtaining coverage in the present and the future.

Another way that your options can be affected is by receiving a traffic citation or moving violation from a member of law enforcement.

These types of events are listed on your driving record for years after the event, meaning your driving record can be a big influence on your premium costs and your policy options.

Remember that being a minor is already considered a high-risk factor, so any claim-related situation or violation that falls on your driving record can make it even harder to obtain coverage.

If possible, take steps to avoid any incident that could qualify you as high-risk or an irresponsible driver.

If this has already occurred, you may need to pursue alternative insurance solutions, such as private insurance providers or state assigned risk pools.

These options often come with high premium costs, so if this will not work to meet your needs, you may want to look at joining someone else’s policy; a parent or guardian may be willing to help you obtain coverage.

Conclusion

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If you choose to purchase car insurance as a minor, or if you find yourself needing to purchase it due to other reasons, remember that it is no small task.

Deciding on which coverage options to select can be a difficult decision, especially when it’s your first time purchasing coverage.

Make sure that you look at your risks completely and discuss your concerns with your potential insurance provider.

It’s important to remember that younger drivers, including minors, often face higher premium costs due to their lack of experience behind the wheel.

Your lack of experience will disappear as you age and as you drive responsibly, but until that occurs, most insurance carriers will increase your premiums to offset any potential losses.

Your driving record and previous insurance history can be another factor that any insurance carrier looks at; these can be red flags that indicate high-risk drivers.

Even at your young age, you may have been involved in accidents or traffic violations that could increase your risk factors.

Any potential insurance carrier will look at these risk factors when deciding if they should provide you with coverage or not.

Remember that every insurance carrier looks at potential policyholders in a different way; this means that one carrier may not offer you what another carrier will.

It’s important to look at multiple carriers to find one that meets your needs. If you are unable to find satisfaction with one provider, you always have the option to look at other carriers for a policy quote.

Compare quotes today using our free rate tool below.

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