[‎‎‎‎‎‎‎‎‎Laura‏]

Hi everyone,
I’m seeking advice on behalf of my 21-year-old son who is looking to get his own car insurance plan for the first time.

Most of the plans we’ve looked into so far seem incredibly expensive, and we’re hoping to find something more affordable without compromising too much on coverage.

He’s a college student with a clean driving record, and he drives a relatively inexpensive used car. We’re not looking for luxury-level coverage — just something reasonable that still offers solid protection.

We’ve explored a few well-known insurance providers, but the quotes have been quite high.

Are there any specific insurance companies, types of policies, or tips that could help lower the cost?

Maybe discounts for students, usage-based insurance, or other options we might not be aware of?

We’d appreciate any suggestions, personal experiences, or recommendations you can share.

Thanks in advance for your help!

[Michelle]

Does he have a credit score? Is there a loan on the car? We made our kids buy their own, totally separate, auto policies as soon as they were licensed (they bought their own car outright, too).

I had an authorized user card in each of their names (which they never knew and each was shredded upon arrival) and our agent said that had a big impact because my credit score is so high.

Boys rates are boys rates, though, and I think vary more due to car type than adults because young men are statistically more dangerous with more powerful cars.

My 18yo currently pays roughly $200/mo for his 2013 Impreza for what my state considers very adequate coverage (not state min, but not comprehensive) and a $1,000 deductible

[Chloe]

Young male drivers are the highest risk group so he will find high rates anywhere.

All he can do is to help bring down the premium by shopping with a broker, choosing a higher deductible, and taking any discounts they offer like driving schools or the monitors where they record his driving for a few weeks.

It’s going to be expensive no matter what. Do not, under any circumstance, skimp on the liability portion of his coverage.

[Patrick]

He is in one of the highest risk groups so it will be expensive. Some things he can do. Visit an independent agent who can provide quotes from several insurance companies.

You will still need to visit captive agents like Allstate and State Farm to compare.

Increase the deductible. If it’s an older car, consider dropping collision.

Look into any safe driver programs.

[Brian]

Getting your child their own car and insurance as young as possible helps them create a good driver profile on their own insurance which will help them keep costs down over time.

[Author]

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