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 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 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.
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.