The Best Car Insurance Company for New Drivers: If you are a new driver, you might be wondering how to choose the best car insurance company for your needs.
There are many factors to consider, such as the coverage options, the price, the customer service, and the reputation of the company.
To help you make an informed decision, we have compiled a list of the top 10 car insurance companies for new drivers, based on our research and analysis.
| Car Insurance Company | Coverage Options | Discounts | Monitoring Program | Special Features |
|---|---|---|---|---|
| Geico | Wide range | Multiple | N/A | User-friendly website and app, competitive rates |
| Progressive | Flexible | Snapshot | Snapshot | Name Your Price tool |
| State Farm | Comprehensive | Steer Clear | N/A | Roadside assistance, rental car reimbursement, accident forgiveness |
| Allstate | Quality | Drivewise | Drivewise | Claim Satisfaction Guarantee |
| USAA | Low rates | SafePilot | SafePilot | Exclusive for military members and their families |
| Liberty Mutual | Personalized | RightTrack | RightTrack | Accident Forgiveness |
| Nationwide | Affordable | SmartRide | SmartRide | Vanishing Deductible |
| Farmers | Customized | Signal | Signal | New Car Replacement |
| Travelers | Extensive | IntelliDrive | IntelliDrive | New Car Discount |
| Esurance | Convenient | DriveSense | DriveSense | CoverageMyWay |
Please note that this table provides a general overview and some of the features may vary based on individual policies and eligibility. It’s always recommended to review the specific details and offerings of each insurance company before making a decision.
Top 10 Car Insurance Companies for New Drivers
1. Geico
Geico is one of the most popular car insurance companies in the US, and for good reason. They offer competitive rates, a wide range of discounts, and a user-friendly website and app. Geico also has a good customer satisfaction rating, according to J.D. Power’s 2020 U.S. Auto Insurance Study. Geico is especially suitable for new drivers who want to save money and have a hassle-free experience.
2. Progressive
Progressive is another well-known car insurance company that offers affordable and flexible coverage options for new drivers. Progressive allows you to customize your policy with features like Snapshot, which tracks your driving habits and rewards you with lower rates if you drive safely. Progressive also has a Name Your Price tool, which lets you find a policy that fits your budget.
3. State Farm
State Farm is the largest car insurance company in the US, and it has a reputation for being reliable and trustworthy. State Farm offers comprehensive coverage options, including roadside assistance, rental car reimbursement, and accident forgiveness. State Farm also has a program called Steer Clear, which is designed for drivers under 25 who complete a safe driving course and get a discount on their premiums.
4. Allstate
Allstate is another reputable car insurance company that offers quality coverage and excellent customer service. Allstate has a feature called Drivewise, which monitors your driving behavior and gives you feedback and rewards for safe driving. Allstate also has a Claim Satisfaction Guarantee, which means that if you are not satisfied with your claim settlement, you can get a credit on your premium.
5. USAA
USAA is a car insurance company that caters to military members and their families. USAA has some of the lowest rates in the industry, as well as exceptional customer service and loyalty discounts. USAA also has a feature called SafePilot, which tracks your driving habits and gives you up to 30% off your premium if you drive safely. However, USAA is only available to eligible customers, so it might not be an option for everyone.
6. Liberty Mutual
Liberty Mutual is a car insurance company that offers personalized and flexible coverage options for new drivers. Liberty Mutual has a feature called RightTrack, which monitors your driving habits and gives you up to 30% off your premium if you drive safely. Liberty Mutual also has a feature called Accident Forgiveness, which prevents your rate from going up after your first accident.
7. Nationwide
Nationwide is a car insurance company that offers comprehensive and affordable coverage options for new drivers. Nationwide has a feature called SmartRide, which tracks your driving habits and gives you up to 40% off your premium if you drive safely. Nationwide also has a feature called Vanishing Deductible, which reduces your deductible by $100 for every year of safe driving.
8. Farmers
Farmers is a car insurance company that offers customized and flexible coverage options for new drivers. Farmers has a feature called Signal, which tracks your driving habits and gives you up to 15% off your premium if you drive safely. Farmers also has a feature called New Car Replacement, which replaces your car with a new one of the same make and model if it is totaled within the first two years or 24,000 miles.
9. Travelers
Travelers is a car insurance company that offers extensive and innovative coverage options for new drivers. Travelers has a feature called IntelliDrive, which tracks your driving habits and gives you up to 20% off your premium if you drive safely. Travelers also has a feature called New Car Discount, which gives you up to 10% off your premium if you buy or lease a new car.
10. Esurance
Esurance is a car insurance company that offers simple and convenient coverage options for new drivers. Esurance has a feature called DriveSense, which tracks your driving habits and gives you up to 30% off your premium if you drive safely. Esurance also has a feature called CoverageMyWay, which helps you find the right coverage for your needs.
FAQ: the Best Car Insurance Company for New Drivers
What should new drivers consider when choosing a car insurance company?
New drivers should consider factors such as coverage options, price, customer service, and the company’s reputation. It’s important to find a company that offers suitable coverage, affordable rates, good customer support, and has a positive track record.
Are there any discounts available for new drivers?
Yes, many car insurance companies offer discounts specifically for new drivers. These discounts can be based on factors like safe driving habits, completion of driving courses, or affiliation with certain organizations. It’s worth checking with insurance providers to see what discounts they offer.
How can I find the best car insurance rates for new drivers?
To find the best car insurance rates for new drivers, it’s recommended to obtain quotes from multiple insurance companies and compare them. Online comparison tools can be helpful in this process. Additionally, maintaining a clean driving record and considering higher deductibles may help reduce premiums.
Can I switch car insurance companies if I’m not satisfied?
Yes, you can switch car insurance companies if you’re not satisfied with your current provider. However, it’s important to consider any cancellation fees or policy terms that may apply. It’s advisable to review your policy and consult with the new insurer before making the switch.
