Compare Car Insurance Rates for Inexperienced Drivers [2023]
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Insurance companies charge higher premiums for drivers under the age of 25
- IPDE is a process taught in some driving schools to help drivers prepare for any situation
- As you age and gain driving experience, you can expect your rates to decrease
When you’re under 25, car insurance is very expensive. Although it may feel like you’re being penalized for being young, you are really just paying the price for the risk that goes along with being an inexperienced driver.
That means that if you’re under 25, car insurance is expensive; but there are ways to reduce your overall costs.
Compare online car insurance quotes with just your ZIP code right now!
Accidents can occur at any time, to anyone, and anywhere. However, there are some accidents that can be avoided by experienced drivers.
Driving can be taught, but experience is the best teacher, which means the more you drive, the more skillful you will become.
An inexperienced driver may have a gut reaction to slam on the brakes in order to avoid an accident while an experienced driver may see the potential accident coming up a couple seconds sooner and have a difference reaction.
How Defensive Driving Education Teaches Experience to Reduce Car Insurance Premiums
The IPDE process is a four-stage method of defensive driving that is taught in some schools for new drivers. Whether you learn the IPDE process or another means of defensive driving, the basic concept is the same.
It is about being aware and being able to react quickly and appropriately.
IPDE stands for Identify, Predict, Decide, and Execute:
- Identify potential incidents
- Predict what is going to happen
- Decide the best course of action to avoid problems
- Execute your decision
While this sounds like common sense, the difficulty is in the overall timeframe you have to act. When it comes to driving a car, IPDE must take place within a matter of seconds.
If you are driving down a road surrounded by forest preserves, you should be aware of the dangers of wild animals crossing the street. This means you need to be extra attentive to your driving patterns, such as your speed, and you should be aware of your surroundings.
However, when a deer actually jumps out onto the road in front of your oncoming car, you now only have seconds to deliver IPDE.
As soon as you identify the deer has jumped in front of you, predict that it will freeze in its path instead, decide that you must steer clear of it, and execute that decision by checking your blind spots for clearance and maneuvering your car accordingly.
Any driver, whether inexperienced or not, may have a slow reaction time, not think the process through clearly, slam on the brakes without checking for other cars in the rearview mirror, or just panic and make a less-than-desirable decision.
However, an experienced driver is more likely that a young driver to react better automatically simply based on previous driving experience.
Taking a defensive driving course that teaches you about IPDE or other methods can help you reduce your car insurance premiums.
Even if driver’s education is not required in your state if you are under 25, car insurance rates may be lower if you successfully complete a course in it.
Be sure to check out the various car insurance rates available no matter what your age.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Other Ways to Save on Car Insurance if You’re Under 25
You can also save money if you are in school and maintain good grades. Statistics show that if you are a good student then you are most likely a responsible person and that responsibility will carry over into others aspects of your life such as driving.
Therefore, car insurance companies consider you to be less of a risk and are willing to reduce your premium accordingly.
Whether you live at home or not, if you’re under 25 car insurance is going to be expensive. You may be able to get a better rate, however, if you are added to someone else’s insurance policy, such as your parents.
If you are married and under 25, car insurance may be cheaper also because statistics show that if you are married you are more likely to be responsible and therefore a lesser risk.
Going From Under 25 to Over 25 with Your Car Insurance
Twenty-five is not a magic number by any means when it comes to driving and car insurance. It is just a standard that is used by the majority of car insurance companies in determining an appropriate age cut-off for various types of coverage.
For example, most car insurance companies will automatically cover all drivers who are over 25 but exclude coverage for anyone under 25 unless they are directly added to your car insurance policy.
However, some car insurance policies may cite an age of 27, so you need to read your policy carefully to make sure your car insurance coverage is appropriate.
Once you age past the insurance company’s inexperienced age consideration, be sure to request a new quote from your insurance company.
While there are many ways to save money, make sure you evaluate your car insurance. You may not know that you are paying too much and you could save a significant amount of money.
Whether you are over 25 or under, car insurance companies will offer you different rates, so shop around for multiple car insurance quotes now by entering your ZIP code in the box below.
Frequently Asked Questions
Why is car insurance more expensive for inexperienced drivers?
Car insurance rates for inexperienced drivers are higher because they lack the driving history and experience that insurers consider when assessing risk. Inexperienced drivers are more likely to be involved in accidents, leading to increased insurance premiums.
How can I reduce my car insurance costs as an inexperienced driver?
There are several ways to lower car insurance costs as an inexperienced driver. Consider taking a defensive driving course to demonstrate your commitment to safe driving. Maintaining good grades if you’re a student can also lead to discounts. Additionally, being added to someone else’s insurance policy, such as your parents’, or getting married may result in lower premiums.
Is there a specific age when car insurance rates decrease for inexperienced drivers?
While 25 is commonly used as a standard age for lower car insurance rates, it varies among insurance companies. Some may consider 27 as the age threshold. Check your policy carefully to understand the age requirements for better rates. Once you reach the age threshold, it’s recommended to request a new quote to potentially reduce your insurance costs.
How can I compare car insurance quotes to find the best rates?
To compare car insurance quotes and find the best rates, use our free quote tool by entering your ZIP code. By comparing quotes from multiple insurance companies, you increase your chances of finding affordable coverage. Remember, the more quotes you compare, the more likely you are to save on your car insurance.
Can completing a defensive driving course help me save on car insurance?
Yes, completing a defensive driving course can help reduce your car insurance premiums. Even if it’s not required in your state, insurers often offer discounts for successfully completing such courses. Defensive driving education teaches you important skills, such as the IPDE (Identify, Predict, Decide, Execute) process, which enhances your ability to react quickly and appropriately on the road.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.