The Best Auto Insurance for New Drivers

The best protection for young drivers

Excellent coverage
Accident forgiveness
Lots of discounts

New Driver Car Insurance

How we narrowed down the field.

New drivers looking for insurance should focus on finding strong policy and vehicle coverage. Make sure the basics, like liability, collision and comprehensive coverage, are included, plus any extras you’re interested in. Good student and good driver discounts are also something to look for, and Accident Forgiveness doesn’t hurt. By focusing on these criteria, we narrowed our list of the best auto insurance for new drivers to the three companies listed below.

  • Nationwide
    • Excellent policy coverage:
      Nationwide offers some of the best policy coverage of any auto insurance provider.
    • Plenty of discounts:
      Save with good student, good driver, family and defensive driver discounts.
    • Accident Forgiveness:
      Your insurance rates won’t go up because of a single accident.
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    • Liability coverage?
      Yes
    • Comprehensive coverage?
      Yes
    • Accident forgiveness?
      Yes
    • Known discounts
      9
  • Progressive
    • Largest selection of discounts:
      Progressive offers some of the best driver discounts of any auto insurance provider.
    • Complete policy coverage:
      Progressive offers liability and uninsured motorist coverage, among other things.
    • Collision and comprehensive coverage:
      Protect your vehicle against all types of accidents.
    Find the best company:
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    • Liability coverage?
      Yes
    • Comprehensive coverage?
      Yes
    • Accident forgiveness?
      Yes
    • Known discounts
      14
  • Allstate
    • Superior vehicle coverage:
      Allstate offers GAP insurance, in addition to collision and comprehensive coverage.
    • Discounts for new drivers:
      Save with good student, good driver and defensive driver discounts.
    • Accident forgiveness program:
      Allstate’s Accident Forgiveness program won’t penalize you for a single accident.
    Find the best company:
    Compare Quotes
    • Liability coverage?
      Yes
    • Comprehensive coverage?
      Yes
    • Accident forgiveness?
      Yes
    • Known discounts
      13

Policy Coverage

The most important part of any auto insurance policy is the coverage it provides. It’s important to make sure your auto insurance offers liability, collision and comprehensive coverage at a minimum. Then, consider any extras you may be interested in, like GAP insurance or stacked uninsured motorist coverage. All the companies listed here do an excellent job with the basics, but Allstate falls a little behind for not offering stacked uninsured motorist coverage. However, Allstate’s vehicle coverage is the best on the list, with extras like new car replacement and interior vehicle protection, so this is something to take into account.

Discounts

Discounts help you save on your auto insurance premiums. There are several discounts that are useful to new drivers, including good student, good driver, family and prepay discounts. Each auto insurance provider has their own unique set of discounts, so in order to figure out what savings you qualify for, you’ll have to get quotes from multiple companies. Progressive stands out in this category by offering the largest selection of driver discounts of any company on the list.

Accident Forgiveness

Accident Forgiveness protects you against rate increases following your first accident. This is a useful feature for anybody, but it’s especially nice if you have a new driver on your policy. All companies on the list above offer Accident Forgiveness programs, so any of them are solid choices.

The Bottom Line

In order to find the best auto insurance for new drivers, get quotes from multiple companies and compare their prices and coverage. Our recommendation is Nationwide, but one of the other companies on this list may be a better fit for you.