As a young driver who doesn’t have much experience in driving, you will need to be protected by insurance. Car insurance for young drivers can be expensive, however, you can still find cheap car insurance for young drivers.
We have highlighted the cheapest car insurance for young drivers. Moreso, it’s adding a teen driver to an adult’s auto insurance policy is usually cheaper compared to purchasing a separate policy.
List of Cars With Cheap Insurance For Young Drivers
Young drivers often bear the impact of high motoring costs as age and inexperience are big factors in determining how much of a risk you are in. So to help new drivers get on the road, we have made a list of the cheapest cars to insure for drivers from the ages of 17-25.
- Austin Mini
- Rover Mini
- KIA Stonic
- Renault Kadjar
- SEAT Arona
- Mazda CX-5
- Volkswagen T-Cross
- Volkswagen up!
- SEAT Mii
- Škoda Citigo
Let’s take a quick look at this list in more detail, to find out more about the cheapest cars to insure as a young driver
#1. Austin MINI-average annual premium: £344.20
Associated with 1960s-era Britain, the Austin is something of a collector’s item these days, despite having a long manufacturing cycle (1959-2000). The Austin is very cheap to run and easy to drive.
It’s not a car for modern motorways but its relatively slow speed means you can enjoy the cheapest car insurance as a young driver.
#2. Rover MINI- average annual premium:£446.43
The rover mini is very similar to its older Austin sibling, but it comes with a few key differences. But this car is quite faster than the Austin, with its running costs being roughly the same.
Reported top speeds vary depending on the manufacturing year, but on average, a Rover can achieve a top speed of 90mph, achieving 0-60 in 12.2 seconds. You get all the added benefits of driving a MINI in a quicker package, including easy parking.
#3. KIA Stonic- average annual premium:£ 472.90
The South Korean car maker is getting together a reputation for manufacturing affordable, easy-to-run small SUVs. The stonic is no different, with competitive fuel efficiency, two engine types, and four trim levels.
The car is somewhere between a crossover and a hatchback, and it’s reflected in its excellent handling. The model is quite a good choice if it’s your first time driving an SUV-like car, especially if you’re a not runaway driver.
Good thing is that the stonic isn’t just easy to drive; it’s also cheap to run and it helps that the insurance is affordable.
#4. Renault KADJAR-average annual premium:£476.35
This car isn’t necessarily the market leader in many areas, but for the money, it feels good to drive a budget SUV.
Quick and comfy, the KADJAR mixes a powerful, entertaining drive with some of the cheapest costs around for young drivers.
#5. SEAT Arona- average annual premium: £483.33
The Arona is essentially a bigger version of the popular SEAT Ibiza, complete with a competitive price and low running costs.
Drivers can choose from five engine types, between 44.8-53mpg. Alongside its low running costs and insurance, its engine achieves decent power, with its entry-level 1.0-liter petrol returning 94bhp.
The Arona is easy to handle too, so it works well if it’s your first SUV. Low cost, cheap to run, and easy to drive, the Arona ticks all the boxes for young drivers
#6. Mazda CX-5- average annual premium: £483.97
Continuing with the SUV theme is the Mazda CX-5, which has similar advantages to the other smaller SUVs we have mentioned.
Much like its competitors, the CX-5 boasts low running costs, fuss-free handling, and a roomy interior, but what makes it different? Well, the model is usually marketed for its practicality, with 5 seats and precise handling.
The car has four engine types including diesel and petrol, with a claimed mpg between 35.5 and 50.4. It’s an attractive model for young drivers who want a practical, easy small SUV.
#7. Volkswagen T-Cross- average annual premium: £484.89
One sentence sums up the Volkswagen t-cross: roomy with a big boot space and lots of legroom, it’s a comfortable car to drive and be a passenger in.
The model has between 385 and 455 liters of space, making it the go choice if you are an outdoor type who needs space for equipment. The engine is quite decent too, with a claimed mpg of 49.6 and achieving a 0.62mph speed in 10 seconds for the entry-level 94bhp version.
Similar to other SUVs in this list the low insurance cost comes from the car’s safety, moderate speed, and also easy handling.
#8. Volkswagen up!-average annual premium: £509.96
This vehicle has been on sale since 2012 and it’s still going strong, the up! City car was developed alongside the very similar SEAT Mii and Škoda Citigo(below).
The classiest of the trio, the up! Is one of the most engaging small cars on the market to drive. With the good build quality and low running costs, it’s powered by an eager little 1.0-liter engine, there’s more space inside than you might think and it’s an affordable second-hand to buy.
#9. SEAT Mii- average annual premium: £510.15
It may be a budget alternative to the almost identical Volkswagen up! (see below), but the Mii is just as practical as the joy to drive.
It’s very good for city motorists because it’s easy to maneuver and it’s ideal for nipping in and out of traffic. It has been on sale since 2012, but now it is available only as an EV- the Mii Electric- which has a range of up to 160 miles.
#10. Škoda Citigo – average annual premium: £512.18
This city car is now a familiar sight on our roads, just like its Volkswagen group cousin, the SEAT Mii, and the VW up! The Škoda Citigo is cute, fun to drive, and surprisingly spacious.
But now this car is no longer available as a new vehicle, it makes a wise second-hand choice and there are plenty of low mileage examples available in good condition.
What are the Best Cheapest Car Insurance For Young Drivers
Adding a young driver to your insurance policy can skyrocket the rate by thousands of dollars per year. To save money, you should take your time to find the best car insurance.
Whenever you want to shop for car insurance, we would suggest you get quotes from multiple providers so you can compare coverage and rates. Some of examples include;
- Liberty Mutual Auto Insurance
- State Farm Car Insurance
- USAA Car Insurance
- Geico Car Insurance
- Progressive Car Insurance
- AAA Car Insurance
a. Liberty Mutual Auto Insurance:
Liberty Mutual ranks top in our list of best cheapest Car Insurance For Young Drivers. The company has a positive reputation among industry experts. It has an A+ rating from the Better Business Bureau (BBB) with accreditation and an A financial strength rating from AM Best. If you’re interested, we recommend getting a quote and discussing your discount and savings options with the agent.
b. State Farm Car Insurance
State Farm is a leading provider of auto insurance, as well as insurance for motorcycles, boats, ATVs, and more. It offers affordable Car Insurance For Young Drivers- thanks to its great programs for students and young drivers.
c. USAA Car Insurance
USAA earned the highest ratings overall in our industry review for all drivers, and young drivers can get great rates too. If you are currently enlisted or part of a military family, it makes sense to use this provider for your young drivers’ insurance needs.
d. Geico Auto Insurance
Geico is known for being more than just an adorable gecko spokesperson. It is one of the top insurance providers in the country, it maintains an A+ BBB rating and also fared well in the same 2021 J.D. Power study. Consider Geico, if you’re seeking good Car Insurance For Young Drivers.
e. Progressive Car Insurance
Progressive is one of the largest insurance providers in the nation and has been in business since 1937. It currently sits in 74th place on the fortune 500 lists.
Not only does this provider have a strong reputation, but it also offers several discounts to help you save even more.
f. AAA Car Insurance
AAA is known for more than just roadside assistance and car rental discounts. With your membership, you can receive low insurance premiums- even when a young driver is included in the policy.
Cheap Car Insurance For Young Female Drivers
Women pay a lot more for car insurance than men do- about 0.68% more or $4.50 per six-month policy, although gender is not a major rating factor car insurance companies see it as a way to predict and price for risk.
Using our methodology, we have discovered that USAA is the cheapest insurance company for women.
At $485, USAA is $271 cheaper than the group average. If you do not qualify for USAA, as you have to be a military or family member, GEICO is the next cheapest option, settling female drivers back an average of $606 per six months or $101 per month.
Check out the Best 20 Farm Grants For Female you can apply to
Cheapest Car Insurance For 18 Years Olds
These car insurance companies have discounts for good grades, offer family bundling to spread out the cost, give discounts for a student away at school, and provide auto insurance rates with good reliability to 18-year-old drivers. The insurance companies are listed below with their monthly quote;
| Insurance companies | Monthly quote |
|---|---|
| Farmers | $96 |
| Travelers | $186 |
| Kemper | $195 |
| Elephant | $252 |
| Clearcover | $253 |
| Amigo USA | $271 |
| National General | $310 |
See Top $15 hr Jobs No Experience you can do as a Teen
Conclusion
It’s a serious challenge but it’s not impossible to find cheap car insurance for young drivers. A simple few adjustments like taking the time to compare car insurance quotes around the industry can make a huge difference in your car insurance rates.
FAQs on Cheapest Car Insurance For Young Drivers
Cheap car insurance for young drivers are hard to find but not impossible and that’s because young drivers between 20 and 25 are less experienced and considered as a risk by insurers.
The cheapest car insurance for young drivers are;
State farm
Progressive
GEICO
Allstate
Liberty mutual
Technically, yes there are the best car insurance for drivers under 25; Allstate, Progressive, GEICO, and Safeco.
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