Best car insurance for teens 2026

Teens deficiency acquisition and maturity down the wheel, making them a higher hazard for having car accidents. This elevated hazard drives up car security premiums for teen drivers. That’s wherefore it’s important to unafraid an security argumentation with beardown sum that protects your teen arsenic good arsenic your family’s finances astatine an affordable price.

To assistance families find the champion car security for teen drivers, Yahoo Finance compared 20 large car insurers. Our investigation focused connected cardinal factors, including the mean outgo for teen drivers, disposable teen-driver discounts, sum options, claims handling, and the integer experience. After reviewing in-depth data, our editors identified immoderate of the champion car security providers that tin assistance teen drivers and their families get the sum they request astatine a outgo that won’t overwhelm their budget.

The Hartford’s budget-friendly teen-driver pricing, teen-focused discounts, adjuvant sum offerings, and terrific integer acquisition marque it our apical prime for teen drivers. Parents volition spot further savings if they’re AARP members. The Hartford’s nationalist scope and online quoting marque it casual to store and compare.

The Hartford pros and cons

Pros

• Cheapest rates for teenage drivers among the insurers we analyzed

• Offers discounts for driver’s education, bully students, and students distant astatine school

• Offers roadside assistance, mishap forgiveness, and a disappearing deductible

• The Hartford’s mobile app received a 4.7 (out of 5) mean standing by users

Cons

• Its UBI program, TrueLane, tin summation rates for risky driving behavior

• Doesn’t connection a pay-per-mile program oregon OEM parts coverage

• Average outgo for teen driver: $236 per period (lowest successful our analysis)

• Availability: 50 states and D.C.

• Crash Network people for claims handling: C+

• Coverage offerings: 13 options

• Available discounts: 11 types (three circumstantial to teens oregon young drivers)

• Digital acquisition score: 4.7 (out of 5)

Learn more: The Hartford car security review

American Family is simply a beardown contender for families with a teen operator owed to its coagulated sum options, teen-tailored discounts, and second-lowest rates for teen drivers among the 20 car insurers we analyzed. We besides recovered it a apical prime for drivers aft an mishap oregon ticket, some situations that whitethorn hap arsenic a teen operator gains acquisition down the wheel. If the teen buys their ain policy, a generational discount is disposable if a genitor is already an American Family customer.

American Family pros and cons

Pros

• Second-lowest rates for teen drivers successful our analysis

• Offers roadside assistance, mishap forgiveness, and diminishing deductible

• Youth discounts see bully student, pupil away, and young volunteer

Cons

• Its mobile app’s mean people of 3.95 (out of 5) is little than astir competitors

• Limited availability successful the U.S.

• Its UBI program, DriveMyWay, tin rise rates connected riskier drivers

• Average outgo for teen drivers: $239 per period (second-cheapest)

• Availability: 19 states (mostly located successful the Midwest and the West)

• Crash Network people for claims handling: C+

• Coverage offerings: 11 options

• Available discounts: 17 types (four circumstantial for teens oregon young drivers)

• Digital acquisition score: 3.95 (out of 5)

Learn more: American Family car security review

Farmers offers tenable teen-driver pricing and teen-focused discounts to assistance families prevention adjacent much connected car security costs. Notable discounts see a youthful operator discount for those nether 25 who are the kid (or grandchild) of a policyholder who has been with Farmers for astatine slightest a year, and a shared household car discount for drivers 20 oregon younger successful a household that has much drivers than vehicles. Farmers besides offers a wide assortment of sum options truthful you tin customize your argumentation to acceptable the family’s needs.

Farmers pros and cons

Pros

• Teen prices are little than average

• Good pupil and distant pupil discounts are available

• Offers mishap forgiveness, diminishing deductible, and roadside assistance

• Average mobile app people of 4.75 (out of 5)

Cons

• Doesn’t connection a discount for a teen operator acquisition course

• Their claims handling people is lone average

• Riskier drivers tin spot higher rates with its UBI program, Signal

• Average outgo for teen drivers: $284 per month

• Availability: 50 states and D.C.

• Crash Network people for claims handling: C-

• Coverage offerings: 17 options

• Available discounts: 19 types (four circumstantial to teens oregon young adults)

• Digital acquisition score: 4.75 (out of 5)

Learn more: Farmers car security review

Safeco whitethorn not person the lowest prices, but its discounts tin assistance bring down the outgo of car security for teens. Beyond the accustomed discounts for young drivers, Safeco offers a discount conscionable for caller teen drivers if their parents person had a Safeco argumentation for astatine slightest a year. It besides offers a decent scope of coverage, including adjuvant options to novice drivers, specified arsenic mishap forgiveness, diminishing deductible, and roadside assistance. As portion of their loyalty program, you get tiny assertion forgiveness for claims nether $750.

Safeco pros and cons

Pros

• Safeco’s mobile app earned a precocious people of 4.75 (out of 5)

• Offers mishap forgiveness, diminishing deductible, and roadside assistance

• Good student, driver’s education, distant student, positive caller teen operator discounts are available

• Has a claims-free currency backmost programme astatine each renewal

Cons

• Low people of D+ for its claims handling

• Teen operator prices are somewhat supra average

• If recovered to beryllium a risky driver, its UBI program, RightTrack, tin rise your rates

• Average outgo for teen drivers: $315 per month

• Availability: Licensed successful each states and D.C.

• Crash Network people for claims handling: D+

• Coverage offerings: 13 options

• Available discounts: 6 types (four circumstantial for teens oregon young adults)

• Digital acquisition score: 4.75 (out of 5)

Learn more: Safeco car security review

Travelers is simply a coagulated enactment for families seeking a competitory lineup of discounts and customizable coverage. Its teen rates are a fewer dollars supra average, but Travelers offers discounts to students with bully grades, teens who person completed a operator acquisition course, and students distant astatine schoolhouse much than 100 miles from location without a car. Travelers offers a Premier Responsible Driver Plan that includes mishap forgiveness, insignificant usurpation forgiveness, a decreasing deductible, and a full nonaccomplishment deductible waiver.

Travelers pros and cons

Pros

• Offers mishap forgiveness, insignificant usurpation forgiveness, and a decreasing deductible

• Offers pupil away, bully student, and operator grooming discounts

• Roadside assistance and travel interruption coverage

• Average mobile app people of 4.65 (out of 5)

Cons

• Teen operator ratings are a small supra average

• Received lone an mean people (C) for its claims handling

• Risky drivers whitethorn spot a complaint hike, alternatively of a discount, with Travelers’ UBI program, IntelliDrive

• Average outgo for teen drivers: $299 per month

• Availability: 50 states

• Crash Network people for claims handling: C

• Coverage offerings: 14 options

• Available discounts: 14 types (three circumstantial to teens oregon young adults)

• Digital acquisition score: 4.65 (out of 5)

Learn more: Travelers car security review

We evaluated 20 large security companies to find which were champion for teen drivers. The apical spot went to The Hartford, which earned 5 stars (out of 5). The runner-up was American Family (4.9 stars), which besides ranked arsenic the apical institution connected our wide champion car security list.

See the prima ratings for each the insurers we analyzed for our champion car security for teens rankings.

Car security companies connection a assortment of discounts to assistance you little your wide premium. Families with teen drivers tin person discounts tailored to young drivers. The specifics of the discount alteration by insurer, but present are the basics for the 3 main teen-centered discounts:

• Driver education/training discount: Teens who implicit an approved operator grooming people whitethorn suffice for a discount. This discount encourages novice drivers to hone their skills, reducing their hazard of accidents.

• Good pupil discount: For full-time students nether 25 who support bully grades. Insurers typically necessitate a B mean oregon higher. Academic occurrence is seen arsenic a motion of responsibility, which insurers correlate with safer driving.

• Student distant discount: For families with a pupil who lives 100 miles oregon much distant from location and doesn’t person regular entree to the household vehicles. With the pupil having constricted entree to household vehicles, their wide hazard to insurers is lower.

Some car insurers connection different discounts for teens oregon their families. Here are immoderate we person found, though availability tin alteration by state:

• AAA: New young operator discount for erstwhile a operator nether 20 is added to an existing policy.

• Allstate: Discount for completing the teenSMART operator information program.

• American Family: Young unpaid discount for drivers nether 25 who implicit 40 hours of unpaid enactment per year. Generational discount for young adults starting their ain policy, and a genitor is an American Family policyholder.

• Farm Bureau: Drivers nether 25 who implicit a Farm Bureau Young Driver Safety programme are eligible for a discount.

• Farmers: Youthful operator discount for adding a operator nether 25 who lives successful the household and is the kid oregon grandchild of a Farmers policyholder. Also, a shared household car discount is disposable for a operator aged 20 oregon younger erstwhile determination are much drivers than vehicles successful the household.

• Liberty Mutual: Their caller teen operator discount is disposable erstwhile you adhd a teen operator to your policy.

• Progressive: Teen operator discount for adding a operator 18 oregon younger to a Progressive argumentation that has been progressive for astatine slightest a year.

• Safeco: New teen discount for Safeco policyholders of astatine slightest 1 twelvemonth who adhd a teen operator to their policy.

• State Farm: Teens whitethorn gain a discount by completing State Farm’s Steer Clear operator grooming program.

Learn more: Car security discounts: 17 ways to save

Teen car security costs alteration by insurer, making examination buying indispensable to find the lowest rates. For insurers successful our evaluation, the mean monthly premium for a afloat sum argumentation with a teen operator is $296, according to information from the car security marketplace Savvy Insurance Solutions.

Learn more: Cheapest car security for teens

There are communal standing factors that car security companies usage to find rates for teenagers. Costs alteration among insurers due to the fact that each institution weighs these risks differently.

Here are the communal factors car security providers usage erstwhile calculating rates:

• Age

• Coverage choices

• Deductibles selected

• Credit score

• Driving record

• Gender

• Vehicle type

• Vehicle usage and yearly mileage

• ZIP code

Learn more: Car security rates are climbing. Here are 4 reasons wherefore and 11 ways to save.

When you person teen drivers connected your policy, it’s not the clip to skimp connected sum and limits. Drivers ages 16 to 19 person an mishap complaint astir 4 times that of drivers property 20 oregon older, according to the Insurance Institute for Highway Safety. Because teen drivers are astatine precocious hazard of being successful an accident, it’s recommended that you transportation a afloat sum car security argumentation with higher liability limits.

A full-coverage argumentation includes state-required coverages, specified arsenic liability insurance, arsenic good arsenic broad and collision coverage.

Liability security pays for bodily wounded oregon spot harm you origin others successful an accident, up to your limits. States person minimum liability limits, but it’s omniscient to take higher limits that are little apt to beryllium exceeded. Limits of 100/300/100, which stands for $100,000 of bodily wounded liability per person, $300,000 of bodily wounded liability per accident, and $100,000 of spot harm liability per accident, are considered decent.

Liability security doesn’t screen your car; for that, you request collision and broad coverage. Collision sum pays for repairs oregon replacement of your conveyance aft an car accident. Comprehensive sum pays for harm caused by terrible weather, fire, vandalism, theft, hitting an animal, oregon falling objects. Collision and broad sum travel with a deductible, an magnitude that is deducted from a assertion payout.

States whitethorn necessitate different coverages that screen aesculapian expenses if you are injured successful an accident, specified arsenic idiosyncratic wounded protection, aesculapian payments, oregon uninsured motorist coverage.

You tin besides adhd connected different sum types to tailor your car argumentation to your circumstantial needs. Here are 3 sum types that whitethorn beryllium particularly adjuvant if you person a teen driver:

• Accident forgiveness: Forgives 1 accident, meaning your rates won’t summation aft your archetypal mishap claim.

• Diminishing deductible: Lowers your collision deductible magnitude implicit clip for harmless driving. For instance, an insurer volition little your deductible by $100 for each twelvemonth you support a cleanable driving record. For example, a $1,000 deductible could beryllium reduced to $500 aft 5 years.

• Roadside assistance: This add-on typically includes services similar towing a disabled vehicle, changing a level tire, jump-starting a dormant battery, and lockout assistance.

Learn more: Most communal types of car security explained

Here are tips for uncovering the champion teen car insurance.

Having a teen connected your argumentation means the likelihood of them having an mishap are high, truthful it’s astute to take higher liability limits. Include collision and broad sum if you privation extortion for your car. And, see add-on sum options that could assistance you prevention successful the agelong run, specified arsenic mishap forgiveness.

Once you cognize what sum and limits you want, store astir with astatine slightest 3 companies to spot who is offering the sum you privation astatine a terms you tin afford. Comparing car security quotes is the champion mode to find the lowest rates.

Some discounts are automatically applied arsenic you capable retired a punctuation form, but others you person to inquire about. For example, you usually person to talk to an cause to get a bully pupil discount oregon pupil distant discount. Asking an cause if you’re eligible for discounts not already applied tin assistance you find much ways to trim your car security premium.

Take clip astatine slightest erstwhile a twelvemonth to measure your car security needs and marque definite your policy’s coverages and limits inactive acceptable them. If you marque changes during the year, specified arsenic buying a car, marque definite to set your argumentation accordingly. You whitethorn besides privation to store astir again and power car security companies if it makes consciousness for your finances.

Learn more: Does buying car security online prevention you money?

The Hartford received 5 stars and was ranked the champion car security institution for teens successful Yahoo Finance’s investigation of 20 car insurers. American Family was a adjacent second, earning 4.9 stars. To find which institution is champion for your situation, place your needs and examination store with aggregate car insurers.

The Hartford offers the cheapest security for teen drivers with a outgo of $236 per month, according to Yahoo Finance’s analysis. American Family came successful 2nd astatine $239 per month. To find the cheapest car security for your teen driver, you’ll privation to store astir since rates alteration based connected your family’s circumstantial information, specified arsenic location, vehicle, and sum choices.

The astir communal discounts offered to teen drivers see a bully pupil discount (for maintaining a B mean oregon better), a operator acquisition discount (for completing an approved course), and a pupil distant discount (for full-time students acold distant from location without a car). Ask your cause if these oregon different discounts are disposable to assistance little the outgo of adding a teen to your policy.

Tim Manni edited this article.

To place the champion car security companies for teen drivers, Yahoo Finance evaluated 20 insurers crossed price, teen-specific discounts, claims performance, integer experience, and protective add-ons. Each institution was scored utilizing a standardized rubric designed to bespeak what matters astir to families adding a young operator to a policy.

All factors were converted to a standardized constituent standard and combined into a composite people for each insurer. Rates and teen-specific discounts carried the astir weight, followed by claims performance, app experience, and protective add-on coverage.

1. Teen rates: 40% of score. The mean complaint estimates are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for location and car insurance, positive an bureau licensed successful each 50 states. Estimates are generated utilizing Savvy’s in-house instrumentality learning models based connected implicit 3 cardinal information points, and see much than 15 of the largest security companies successful Savvy’s nationwide information set. Savvy creates estimates by moving models against aggregate inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder property input into the pricing exemplary portion keeping each different variables dependable from the baseline for “full coverage.” Full sum car security includes liability insurance, immoderate different authorities required coverage, positive collision and broad coverage.

2. Teen-focused discounts: 35% of score. Insurers were evaluated connected the availability and prime of discounts astir applicable to young drivers. Points were awarded for each of the following: bully pupil discount, driver’s acquisition discount, student-away-from-home discount, and usage-based security (UBI) programs. For UBI programs, we differentiated betwixt programs that could rise a teen’s premium based connected the UBI information versus those that did not. Additional points were awarded for different teen-oriented discounts, specified arsenic household multi-car discounts, safe-driving rewards, and new-driver grooming incentives.

3. Protective, teen-focused add-on coverage: 15% of score. We awarded further recognition to insurers that connection sum features that tin trim fiscal hazard for families with teen drivers: mishap forgiveness, roadside assistance, and diminishing deductibles. Each disposable add-on contributed incremental points to the insurer’s total.

4. Claims handling performance: 5% of score. We incorporated grades from the 2025 CRASH Network Insurer Report Cards, which bespeak feedback from collision-repair professionals astir however insurers grip real-world claims. Companies with higher CRASH scores – indicating fairer repair processes and amended enactment for policyholders – received much points.

5. Digital experience: 5% of score. Managing a policy, tracking discounts, and filing a assertion often happens done a mobile app. We averaged Apple App Store and Google Play ratings to make an app-experience score. Insurers with highly rated, easy-to-use apps earned much points.

Unless stated otherwise, the estimates supra are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for location and car insurance, positive an bureau licensed successful each 50 states. Estimates are generated utilizing Savvy’s in-house instrumentality learning models based connected implicit 3 cardinal information points, and see much than 15 of the largest security companies successful Savvy’s nationwide information set. This includes information from much than 2 cardinal security accounts connected done Trellis Connect, an in-house exertion allowing consumers to “link” their security accounts earlier searching for insurance, and tens of thousands of policies bound by Savvy’s ain agents. It takes into relationship a myriad of factors to make predictions, specified as:

• Policyholder age

• Number of vehicles

• ZIP code

• Vehicle age

• Insurer

• … and more

Savvy creates estimates by moving models against aggregate inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder property input into the pricing exemplary portion keeping each different variables dependable from the baseline for “full coverage.” The models alteration hyper-personalized estimates that instrumentality into relationship a plethora of idiosyncratic property permutations (e.g., teen drivers successful circumstantial states, teen drivers with caller vehicles, teen drivers successful circumstantial states with caller vehicles) to supply individuals with a unsocial and tailored experience. The charts supra are a subset of the kinds of personalization Savvy tin do.

The pursuing are definitions utilized by Savvy erstwhile providing its complaint estimates for assorted types of coverage.

Full sum car insurance: A argumentation with comprehensive, collision, and liability coverage.

Average policyholder: A 48-year-old operator who owns a 13-year-old conveyance and lives successful an average-income ZIP code.

Senior driver: A 70-year-old policyholder with afloat sum car insurance.

Good driver: Drivers crossed each sum types, conveyance types, and locations who person nary tickets, accidents oregon DUIs.