Top 3 carriers for this situation
Estimated national full-coverage premiums with this situation applied, cheapest first. Directional model estimates — enter your ZIP below for your real local ranking.
| # | Carrier | Est. national | Why |
|---|---|---|---|
| 1 | Root Insurance | $1,028/yr | Telematics-only pricing · based on how you drive |
| 2 | Progressive | $1,318/yr | Rates vary widely by driver profile |
| 3 | State Farm | $1,460/yr | Large local agent network |
Often the most expensive for this situation: Liberty Mutual · Allstate · Safeco If you're with one of these, you're probably overpaying — it takes two minutes to check.
Why this raises your rate
Drivers under 25 are statistically the highest-risk group insurers write, so every carrier surcharges them — but by wildly different amounts. The cheapest carriers for a teen or 20-something pair a low base rate with a smaller young-driver penalty and strong good-student or telematics discounts.
How to pay less
- Stay on a parent's policy as long as possible — it's almost always cheaper than a standalone policy.
- Take the good-student discount (usually a B average) — it can cut 10–25%.
- Opt into a telematics/usage-based program; for safe young drivers it's the single biggest lever.
- Choose a cheap-to-insure car (older, high safety rating, modest horsepower).
Rankings are directional estimates from the BoringRate model, not quotes — your real rate depends on your ZIP, vehicle, and history. Related: Young Driver Insurance Guide →
Frequently asked questions
Who is cheapest for this situation?
Root Insurance, Progressive, and State Farm rank cheapest in the model. Enter ZIP to see the order for your area.
Will my rate stay high forever?
Drivers under 25 are statistically the highest-risk group insurers write, so every carrier surcharges them — but by wildly different amounts. The cheapest carriers for a teen or 20-something pair a low base rate with a smaller young-driver penalty and strong good-student or telematics discounts.