Best Car Insurance for Teens

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Why We Chose It: GEICO is one of the largest auto insurers in the country with an outstanding customer service record and a range of additional perks and discounts.

GEICO has an outstanding client satisfaction record and offers bundling and other discounts. With its progressive approach to account management through an app, it takes our overall spot for car insurance for teens. 

You’ll find the basic car insurance policies on the GEICO website, including comprehensive, collision, and rideshare with add-ons for roadside assistance and mechanical breakdown coverage. And with the GEICO app, you can view your bills, contact GEICO, store electronic versions of your car and license documents, request roadside assistance, and even get an estimate for repairing vehicle damage. 

You can get a quote and purchase your policy online or over the phone, and make sure you have your driver's license, vehicle registration, and current insurance details when you apply since GEICO will want those details. Prices for comprehensive coverage averaging around $3,150 per year for an 18-year-old, but your price might change based on the age of your teen driver, where you live, and the car you’re insuring.

GEICO offers an expansive range of discounts, including up to 25% for insuring multiple cars and a 15% good student discount. You could also save up to 25% through the DriveEasy program, which uses a monitoring app and rewards you for driving safely.

GEICO offers 24/7 customer support, coverage in all 50 U.S. states, and has an AM Best rating of A++ (Superior).

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Why We Chose It: With a considerable 25% discount available to students doing well in their studies plus other discounts for safe driving, State Farm is our overall choice as best for good grades.

State Farm is now one of the largest insurance companies in the United States. It provides over 83 million policies through 19,000 agents nationwide. Parents of teenage drivers may find their policies particularly appealing thanks to the 25% Good Student Discount for students aged 16-25 years old who maintain good grades of B or a 3.0 GPA.

State Farm offers comprehensive collision, rental, and rideshare insurance. You’ll need your driver's license, vehicle registration, and the vehicle’s current insurance declaration page to apply for a policy. Expect to find policy premiums relatively higher than other providers, averaging around $4,400 per year for comprehensive coverage for an 18-year-old, although your cost might change based on where you live or the type of coverage you select.

State Farm offers an impressive range of discounts. Depending on your location, these may include a discount for students who only drive when they return home, up to 15% for those who attend a driver safety course, and up to 20% for young drivers with no at-fault accidents or moving violations within the past three years. And if families choose to bundle their homeowners, renters, condo, or life insurance along with vehicle insurance, they can save up to 17%.

Customer support is available around the clock via phone and an award-winning smartphone app. It won the Mobile Web Award in 2019 for best insurance mobile app which you can use to contact State Farm customer service, request emergency roadside assistance, and file a claim.

State Farm is available in all 50 states and has an AM Best rating of A++ (Superior). You can get a quote online or by contacting a representative.

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Why We Chose It: Allstate is our best for college students because of its discounts geared specifically toward scholars.

Allstate offers numerous ways for college students to save money on their premiums including a Smart Student Discount if you maintain a B average, a Resident Student Discount for students attending college at least 100 miles from home, and the Milewise Program that adjusts premiums according to the miles driven.

Allstate wants to foster safe driving habits among teenagers, and they do so via the Drivewise app that gives driving feedback and rewards in the form of discounts, although it’s unclear what exactly these discounts and rewards are (you may need to contact the company for details). Additionally, you can enjoy up to a 25% discount by bundling home and auto insurance. 

With Allstate, you can choose from collision damage, comprehensive cover, liability, medical payments, and underinsured motorist policies plus 24-hour roadside assistance plans. 

You can contact Allstate to apply for a policy with your license, vehicle details, and current insurance details. Policy premiums are typically higher than competitors, averaging around $5,500 per year for comprehensive coverage for an 18-year-old. Your actual policy cost may vary based on your location or other factors. Customer service is available 24/7 by phone, email, or app.  

To begin the application process, which you can do online or over the phone, you’ll need your driver's license, vehicle registration, and the vehicle’s current insurance details. Allstate offers coverage in all 50 states and has an AM Best rating of A+ (Superior).

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Why We Chose It: Nationwide provides generous accident forgiveness, making it a standout choice for this category.

The risk of being in a fatal car accident is nearly three times higher for teenagers than those aged 20 or older. Following an accident, insurance companies typically raise the cost of premiums substantially, especially if you are at fault. With a generous accident forgiveness policy that could help you and others on your policy avoid a rate increase after your first at-fault accident, Nationwide was named our top choice for accident forgiveness. Although not available in all states, the Nationwide Accident Forgiveness policy is additional coverage that protects the policyholder and additional driver on the policy. However, it can only be used once per policy.

Nationwide options include comprehensive, collision, towing and labor, medical payments, and uninsured motorist. There are also several additional options including guaranteed repairs and a vanishing deductible option that lowers your deductible by $100 for each year’s safe driving, up to $500 total. Drivers could also benefit from SmartMiles, which bases cost on mileage, and SmartRide, which offers a potential 40% discount depending on your driving. Bundling multiple insurance policies earns a variable discount. 

Policy premiums start at around $3,400 per year for comprehensive coverage for an 18-year-old, but your cost may vary based on location, age of your teen driver, and other factors.  

You can get a policy and quote online or over the phone; to begin the application process, you’ll need your driver's license, vehicle registration, and the vehicle’s current insurance details.

Coverage is available in 46 states and Nationwide has an AM Best rating of A+ (Superior).