As a young driver, I can tell you it’s a big and exciting step to own a car and drive around.
Contents
Best Car Insurance for Young Drivers in U.K. & U.S.
After the exciting part of buying a brand-new vehicle comes the expensive and necessary part; auto insurance. Here’s everything you should know as a young driver in both U.S. and U.K., along with the best insurers.
The average car insurance cost for young drivers in the U.S.
The average premiums young drivers should pay depends heavily on their age, so we prepared a chart.
Age Average annual rate
- 16 $9,759
- 17 $8,841
- 18 $7,396
- 19 $6,182
- 20 $5,517
- 21 $4,611
- 22 $4,304
- 23 $4,021
- 24 $3,765
- 25 $3,348
We advise you to run your own quote because this is presented to give you an idea of how much you will pay for insurance.
The average car insurance cost for young drivers in the U.K.
For young drivers between the ages of 17-20, the average annual insurance premium is approximately £1,800. For those between 21-25 years old, vehicle insurance costs more than £1,000, on average.
What else affects insurance rates in U.S. and U.K.
Besides age, the factors listed below significantly impact young drivers’ insurance costs.
-
Location:
Usually, rural places have higher insurance premiums than the countryside.
-
Gender:
Young female drivers tend to get into fewer severe accidents than young male drivers, so they pay less for car insurance.
-
Vehicle:
Your car’s make, model, age affects your auto insurance.
-
Driving Record:
Regardless of age, a history of claims and accidents makes premiums more expensive.
-
Mileage:
Your annual mileage is one of the other factors that insurers look at when pricing out your car insurance costs.
-
Insurance Company:
The insurance company you choose to purchase vehicle insurance from heavily affects your insurance expenses. Some insurers charge you more because of their excellent services.
-
The coverages you have on your policy:
The number of coverages you add to your policy affects your rates. Some coverages like comprehensive are more expensive.
Best car insurance companies for young drivers in the U.S.
-
Erie Insurance
https://www.erieinsurance.com/
Erie Insurance Company is available in 12 states and the District of Columbia, including New York, Kentucky, Indiana, North Carolina, Ohio, Tennessee, Pennsylvania, Illinois, Maryland, Virginia, West Virginia, and Wisconsin.
Erie was founded in 1925 and is headquartered in Pennsylvania, the U.S. With 96 years of service, J.D. Power 2020 U.S. Auto Claims Satisfaction Study Erie was ranked 7th. Overall, it is the best option for new drivers.
The only negative points about Erie insurance are:
- Erie is available in some states.
- Erie has no online claim filing.
-
Allstate
http://www.allstate.com/
Allstate Insurance is an American-based insurance company founded in 1931. Its headquarters is located in Northfield Township, Illinois, near Northbrook. J.D. Power Auto Insurance Study showed that Allstate has the highest customer satisfaction. Allstate is the best insurer for college students.
You should know one thing before you purchase insurance from this company:
- Allstate has higher than average rates.
Want to know more about Allstate and the discounts it offers to students? Check out Allstate car insurance reviews
-
State Farm
http://www.statefarm.com/
State Farm is the largest auto insurance provider in the United States with 99 years of A++ (financial strength rating) service. It was founded in 1922, and its headquarters is located in Bloomington, Illinois.
This insurance provider is the best choice for students because the program Steer Clear is for drivers under 25. The program includes courses, mentoring, and practice driving hours to help students who drive discounts on their premiums.
State Farm offers the best student discounts in the U.S.
Like every other company State Farm have a disadvantage you should know about:
- Average customer satisfaction and claims processing.
-
Progressive Insurance
http://www.progressive.com/
The Progressive Corporation is an American insurance company founded on March 10, 1937. It is headquartered in Mayfield Village, Ohio.
With about 84 services, Progressive insurance provides insurance with reasonable prices and a combination of unique programs and discounts that can get you the most affordable policy, and it is the best for good drivers.
Progressive’s disadvantages are:
- Progressive rates are pretty high.
- The claims handling process is poor.
Want to know more about Progressive Insurance? Check out progressive auto insurance reviews
-
Nationwide
http://www.nationwide.com/
Nationwide Mutual Insurance Company was founded in 1926, and it is a group of large U.S. insurance and financial services companies based in Columbus, OH.
Nationwide offers one of the best accident forgiveness programs in the globe, which is why we say Nationwide is an excellent choice for young and inexperienced drivers.
The negative points you should pay attention to when you decide you want to purchase insurance from Nationwide is:
- Accident forgiveness is not available in all states.
- Ironically, Nationwide isn’t available across the nation.
Best car insurance companies for young drivers in the U.K.
-
Direct Line
www.directline.com
Direct Line is a U.K.-based auto insurance company founded in 1985 by Martin Long and headquartered in Bromley, England, UK.
Direct Line has a DrivePlus Insurance designed for young drivers, which gives them discounts on their renewal for their excellent driving behaviors.
Want to know more about Direct Line and DrivePlus? Check out Direct Line car insurance reviews
-
Admiral
http://www.admiral.com/
Admiral Group plc is a British financial services company founded in 1991 by Henry Engelhardt. Admiral is headquartered in Cardiff, Wales, U.K. Admiral offers LittleBox Insurance which is great for young drivers.
LittleBox or Black Box provides benefits such as free theft-tracking and no curfews for youthful drivers that are under Admiral’s protection.
Want to know more about Admiral and LittleBox insurance? Check out Admiral car insurance reviews
-
Hastings Direct
https://www.hastingsdirect.com/
Hastings Insurance Services Ltd is a personal insurance broker providing customers with their services via their mobile app, online, and by phone. Hastings Direct was founded in 1997 and headquartered in Bexhill-on-Sea, East Sussex, United Kingdom.
This insurer offers SmartMiles Insurance. For this insurance, you must allow the installation of a black box, which is included in the price, and it is featured with a theft tracking technology so your car can be easily located if it got stolen.
Your black box, like many others, will record any data about your driving style and scores it from 1 to 100. Your policy includes comprehensive coverage when you purchase a SmartMiles insurance policy.
Other features of Hasting Direct’s black box insurance are:
- Vandalism and uninsured driver coverage exist on your policy, allowing you to keep your no claims discount.
- Bills of windscreen repair and replacement are covered.
- If you are involved in an accident, and your car is being fixed at a garage, a courtesy car is given to you until yours is being replaced.
-
Co-op
www.coop.co.uk
Co-operative Insurance Company Limited was founded in 1867 and headquartered in CIS Tower, Manchester, United Kingdom. This insurance provider offers young customers the Young Driver Insurance, which has no curfews for youngsters who love driving at night.
However, your safe driving score may be affected if you drive between 11 pm and 5 am. Co-op may offer you no black box car insurance as soon as you renew your policy for the second time with them, but it still depends on your driving score.
Just like every other program mentioned, you can earn discounts by being a safe driver so keep your driving score high. If you did get one of their black boxes, you can take advantage of its theft tracking, and rest assured that if your car was stolen, you could quickly locate it.
-
Churchill
http://www.churchill.com/
Churchill insurance is U.K. based company founded in 1989 and headquartered in Bromley, England, and founded 32 years ago by Martin Long, yes, the same Martin Long that founded the famous British insurance company, Direct Line.
Churchill offers DriveSure Insurance includes telematics was designed to help young drivers get on the road.
The DriveSure app works in the background to record details on your trips by car. You just have to take your phone with you wherever you go to gain discounts at renewal on your excellent driving habits.
On top of that, DriveSure Insurance has a discount included for the first year you purchase this auto insurance as a sort of reward for passing your driving test.
Besides optional coverages that you can choose to add to your policy, a No Curfews is available for you, but it doesn’t count if you drive at night often.
Want to know more about Churchill? Check out Churchill car insurance reviews
