Cars Cheap Insurance for New Drivers

Getting a car as a new driver is often an exciting experience. However, the joy is usually short-lived when it comes to insurance. Car insurance is usually expensive, particularly for new drivers. It can be stressful and frustrating to find cheap insurance that offers good coverage. In this article, we will discuss ways to get cheap car insurance as a new driver.

What Determines the Cost of Car Insurance?

Before we discuss how to get cheap car insurance, it’s important to know what determines the cost of car insurance.

Younger drivers are considered riskier, and therefore pay higher insurance rates.
The area you live in can affect your insurance rate. High-risk areas have higher rates.
Driving history
Your driving record can impact your insurance rate. Drivers with more violations or accidents pay higher rates.
Type of car
The type of car you drive impacts your insurance rate. Cars with higher repair costs and safety risks have higher rates.
The level of coverage you choose affects your rate. People who choose more extensive coverage pay more.

How to Get Cheap Car Insurance as a New Driver?

1. Shop Around

One of the best ways to get cheap car insurance is to shop around. Don’t settle for the first insurance provider you come across. Research different providers and compare prices and coverage options. Consider getting quotes from at least three different providers.

2. Consider a Higher Deductible

A deductible is the amount you pay out of pocket before your insurance policy kicks in. Choosing a higher deductible can lower your insurance rate. However, make sure you can afford to pay the deductible in case of an accident before choosing this option.

3. Take Advantage of Discounts

Many insurance providers offer discounts to new drivers. Some of the discounts you can take advantage of include:

Good student discount
New drivers who excel in academics can receive a discount.
Defensive driving discount
Taking a defensive driving course can lower your insurance rate.
Low mileage discount
Driving less can lower your insurance rate.
Multi-policy discount
Having multiple policies with the same provider can provide a discount.

4. Drive a Safe Car

The type of car you drive can affect your insurance rate. Cars with good safety ratings and low repair costs are considered less risky and can lower your insurance rate.

5. Build a Good Driving Record

The best way to get cheap insurance in the long run is to build a good driving record. Avoid accidents and traffic violations. Over time, your insurance rate will go down.


1. What is the cheapest car to insure for new drivers?

The cheapest cars to insure for new drivers are cars with low repair costs and good safety ratings. Some examples of such cars are Toyota Corolla, Honda Civic, and Ford Focus.

2. How can I get the cheapest insurance possible?

To get the cheapest insurance possible, shop around, consider a higher deductible, take advantage of discounts, drive a safe car, and build a good driving record.

3. Can I get insurance as a new driver with no driving record?

Yes, you can get insurance as a new driver with no driving record. However, your insurance rate will be higher as you are considered a high-risk driver.

4. How can I lower my insurance rate as a new driver?

You can lower your insurance rate as a new driver by shopping around, considering a higher deductible, taking advantage of discounts, driving a safe car, and building a good driving record.

5. How often should I shop for car insurance?

You should shop for car insurance at least once a year. This is because insurance rates can change, and you might be able to find a better rate elsewhere.