Overview
Finding cheap auto insurance can seem unachievable for young drivers under 25. Teen drivers are costly to insure, according to statistics; your premiums may be twice as high as your parents'.
However, the cost is not always very high. Many leading insurance providers are vying for your business in 2025 by providing steep discounts to safe drivers, good students, and those who are open to using telematics apps.
We examine the top ten affordable auto insurance providers for young drivers in this guide to help you strike the ideal balance between affordable premiums and excellent coverage.
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1. USAA (Best Overall for Military Families)
USAA continues to be the cheapest insurance provider because they have the best customer service and best prices. USAA is best for military members and their families and is the best option for military families.
Best for: Veteran parents and military members.
Key Discount: SafePilot App (Save up to 30% for safe driving).
Verdict: Gold Standard for inexpensive rates.
2. State Farm (Best for Students)
State Farm offers a Steer Clear program specifically designed for people under 25. State Farm is the biggest provider in the United States.
Best for: Students in both high school and college.
Key Feature: Good Student Discount. (If you are getting a 'B' average or 3.0 GPA you can get 25% off.)
Pro Tip: If you are a college student who doesn't take your car and is one hundred miles or more from home, be sure to ask for the "Student Away at School" discount.
3. Geico (Best for Low Budget)
If your main goal is to save money, getting insurance from Geico is a good option for you. Geico is known for having the lowest monthly rates. Geico is a top choice because due to their digital and automated processes. Geico is a top pick for young drivers who have a low budget.
Top Choice: Motorists after a quick and inexpensive quote online.
Main Characteristics: DriveEasy (A pay-as-you-drive app that incentivizes you for not using your phone while driving).
4. Nationwide (Best for Safe Drivers)
Nationwide one of the few companies that allows you to keep a discount even when the application you save with tells you negative things about your driving. Best for Young drivers concerned about possibly negative outcomes for their driving being recorded.
Best for: Increasing your savings. Best as a young driver worried about potential negative outcomes for their driving being recorded.
Best Feature: SmartRide. Get a 10% discount for joining (up to 40% once joining).
5. Liberty Mutual (Best for Customization)
You won't have to worry about getting into an accident for Liberty Mutual. Liberty Mutual is one of the few companies to even provide young drivers with Accident Forgiveness (5 years with no accidents might be the only requirement to get it).
Best for: Drivers with a need for Accident Forgiveness and Gap Insurance.
Best Feature: RightTrack their safe driving program.
6. Travelers (Cheapest for Full Coverage)
Travelers is often the Cheapest for Full Coverage for young drivers even needing Full Coverage (Comprehensive + Collision). Best for young drivers needing full coverage, assuming you mean to even get Full Coverage in 2025 data.
Best for: Younger drivers with newer cars needing full protection.
Best Feature: Intellidrive is a program that tracks your driving for 90 days to lower your renewal rate.
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