Added: Shamere Boyland - Date: 02.10.2021 16:50 - Views: 45299 - Clicks: 3490
Younger drivers are considered higher-risk and pay more for auto insurance than older drivers. For shoppers looking for the most affordable option, we found the cheapest car insurance for year-olds is offered by Erie Insurance. However, Erie is only available in 13 states nationwide. The average cost of car insurance for male drivers tends to be pricier than that of female drivers. Insurers tend to find men riskier drivers compared to women, especially at younger ages. This trend does not hold across all states, however.
California, Hawaii, Massachusetts, parts of Michigan, Montana, North Carolina and Pennsylvania have banned the use of gender as a variable in setting rates, meaning male and female drivers will pay the same price for auto insurance, all else being equal.
Auto insurance costs generally decline with age for young drivers, and just a few years can make a huge difference in premiums. As you get older, your rates will continue to decrease drastically as you gain more driving experience. One exception is if you do not keep a clean driving record.
The chart below shows the cheapest insurance companies for a year-old driver in nine of the most populous states in the country. USAA was excluded, as policies are only available for current or former military members and their families. Without its exclusion, it offers the cheapest car insurance for year-olds in Georgia, Michigan, New York and Texas.
We compared auto insurance premiums for some of the most populous states in the country — as costs by state vary greatly — and ranked the states by insurance cost. North Carolina is the cheapest state for year-old car insurance in our sample, with an annual premium almost two-thirds cheaper than our overall average. Michigan is an outlier and by far the priciest state, with annual insurance costs for year-olds almost three times as expensive as our overall average.
The single most important strategy to find cheap insurance as a year-old — or at any age — is to shop around. Insurers price customers on a variety of factors, and the cheapest insurance company for you may be completely different from that of your high school friend or college roommate. While shopping around, young drivers can also save by staying on their parents' policies or seeking to take advantage of all available discounts.
Whether they're looking for insurance for a sports car or a van, year-olds should shop for quotes across multiple insurers to see if they can find competitive car insurance rates. Younger drivers are charged more by insurance companies, but the costs vary by company, and certain insurers impose less severe rate hikes for young drivers. If you still live at home, you can remain on your parents' auto insurance policy. This makes the policy more expensive for your parents, but the higher rate is generally cheaper than the combined price of having two separate policies. A year-old driver can take many steps to prove they're safer candidates for auto insurance coverage and discount the high rates charged by insurance companies.
These include being a good student, taking defensive driving courses, maintaining a clean driving record and building a strong credit score. We collected quotes for full coverage in thousands of ZIP codes across nine of the most populous states in the country.
Our sample drivers were single year-old male and female drivers who drove a Honda Civic EX with a clean driving record. Coverage levels were slightly more than what's required for any state's minimum coverage:. We included 29 insurance companies in this analysis, though insurer rates were only included in our list of average prices and recommendations if their policies were available in at least three of the nine states. Seeking 18 or 19yo black females analysis used insurance rate data from Quadrant Information Services.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. To get an insurance quote over the phone, call: Agents available 24 hours a day, 7 days a week! Currently insured?
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State Farm. Georgia Farm Bureau. New York. North Carolina. Fred Loya. Average cost of car insurance. Property damage liability. Comprehensive and collision. Personal injury protection. Minimum when required by state.Seeking 18 or 19yo black females
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