Auto Insurance For Newly Licensed Drivers In New York: Advice And Options – Andrew Hurst Andrew Hurst Senior Editor and Licensed Motor Insurance Specialist Andrew Hurst is a Senior Editor and Licensed Motor Insurance Specialist at . His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin and Property Casualty 360.
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Auto Insurance For Newly Licensed Drivers In New York: Advice And Options
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The cheapest car insurance for new drivers depends on whether they are added to an existing policy or buy their own cover. GEICO is, on average, the best low-cost company for new drivers who are added to a family policy. State Farm is the best choice for new drivers who choose to get their own coverage.
Car insurance for new drivers can cost thousands of dollars more per year than insurance for more experienced drivers. However, new drivers can still get cheap insurance by comparing quotes from multiple companies and considering insurance per mile or by usage.
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There isn’t necessarily one definition of who insurance companies consider a new driver. For insurance purposes, teenage drivers are not the only member of this group. Instead, “new drivers” can be anyone who:
Despite their inexperience, newly licensed drivers do not need to obtain a separate type of new driver auto insurance to meet their state’s insurance requirements. The only difference for new drivers is that their insurance coverage will be more expensive because they don’t yet have a driver’s license.
If you are someone that insurance companies consider a new driver, the process of buying car insurance will be the same for you as for experienced drivers. You can still get coverage from well-known companies.
New teenage drivers will have the best luck if they are added to an existing family policy, while newly licensed adults may need to purchase their own coverage.
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However, finding your own car insurance can be difficult for some new drivers. It’s more expensive and insurance companies don’t always let newly licensed drivers fill out an online quote form to get their own insurance. Also, if you are a minor and want to have your own auto insurance, you will need to get approval from a parent or guardian.
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GEICO has the best insurance rates of any company nationally available for adding a new driver to your existing vehicle insurance. In addition to low rates, GEICO offers endorsement coverage such as rental reimbursement and roadside assistance.
GEICO is the best and cheapest auto insurance for families to add a new driver to their existing car policy. GEICO isn’t the cheapest overall, but it’s still an affordable option that’s available in every state. We found that at $240 a month, GEICO costs $907 a year less than the average rates for new drivers.
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NJM is the absolute cheapest car insurance for new drivers, but it’s only available in Connecticut, Maryland, New Jersey, Ohio, or Pennsylvania. But new driver insurance from NJM is only slightly cheaper than GEICO – $6 a year on average.
Military members, active duty and retired vets (and their families) can also get cheap new driver car insurance from USAA, where coverage for new drivers costs $141 per month ($1,076 per year cheaper than the average). But unlike GEICO and NJM, USAA is not available to the general public.
Most insurance companies require that every licensed driver in your household be included in your policy. Fortunately, it’s easy to add a new driver to an existing policy.
You can usually add a new driver to your existing policy over the phone or online through your insurance company’s website or mobile app.
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To add a driver to your car insurance policy, you’ll need some key information, including:
New drivers who purchase their own policy can get inexpensive coverage from State Farm. Because State Farm rates stay low even after an accident or speeding ticket, new drivers don’t have to pay significantly higher rates after an early mistake.
State Farm has the best and cheapest auto insurance for new drivers who buy their own policy. On average, new driver insurance with State Farm costs $380 per month, which is $1,632 per year cheaper than the average for new drivers.
Auto insurance from State Farm is available in every state except Massachusetts and Rhode Island, but depending on where you live, a smaller company may be a cheaper option. We found that COUNTRY, followed by Erie and Auto-Owners all have cheap auto insurance for new drivers.
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Here are the cheapest new driver insurance companies in every state – whether you’re adding a newly licensed driver to your family policy or you’re a new driver shopping around on your own.
Regardless of age or experience behind the wheel, anyone who moves to the United States is considered a new driver. Because these drivers do not have an insurance history with American companies, it is difficult to evaluate their chances of making a future claim.
While the cost of insurance for newly licensed international drivers will be more expensive regardless of their experience in their home country, their rates will still decrease over time if they avoid accidents and tickets.
Meanwhile, foreign drivers who move to the United States can get the best rates from the same companies that are cheapest for new drivers, including GEICO and State Farm.
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New drivers can still get car insurance if they are undocumented immigrants, but it depends on where they live. Not every state allows new undocumented drivers to get a driver’s license — which you need to insure your car.
However, the following states allow new undocumented drivers to get a license — and car insurance — even without proof of citizenship. These states are:
Car insurance for new drivers is always more expensive than average rates for older, more experienced drivers. But it’s even harder to find cheap car insurance when you’re a new driver buying your own policy instead of joining an existing one.
On average, the cost of individual insurance for a new driver is $380 per month, or $4,562 per year. That’s almost $2,000 more per year than adding a new driver to an existing policy, which costs $230 per month, or $2,763 per year.
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Among the largest companies, car insurance costs for new drivers are $280 more per month than for most older drivers (ages 30 to 45) who have a comparable individual policy.
There are several reasons why car insurance costs more for new drivers than older drivers. Because of their inexperience, newly licensed drivers are more likely to be involved in a serious accident than their more experienced counterparts.
Companies also look at your driving record to predict how likely you are to get into an accident. But because new drivers don’t yet have a record, companies charge them higher rates until they prove they’re safe drivers.
The best way to find new driver insurance that isn’t too expensive is to shop around and compare quotes, but you should also:
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For new drivers who join an existing policy, car insurance is $2,763 per year. But a stand-alone policy for a new driver costs an average of $4,562 per year.
Of the major companies, GEICO has the cheapest rates for new drivers. However, you may be able to get insurance for less with NJM, a regional company available in five states. State Farm has the best rates for most new drivers who have their own coverage. Smaller companies like COUNTRY and Erie also have cheap rates.
New drivers should look for car insurance and compare quotes from more than one company. They should also be willing to switch companies if their rates become more expensive over time. New drivers can also get cheaper car insurance by taking full advantage of discounts or switching to mileage or usage insurance to save.
Found the cost of car insurance for new drivers using rates provided by Quadrant Information Services. These rates corresponded to every zip code in all 50 states, including the District of Columbia. Our sample insured vehicle was a 2017 Toyota Camry LE driven 10,
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