The Average Insurance Cost for Beginner Drivers

by Brandon M. Dennis

Because of their higher risk of getting into an accident, beginner drivers are more likely to pay higher insurance rates than adults. However, there are still many factors that go into calculating how much a beginner driver will pay for insurance, such as gender and location.

Average Rate

According to the ValuePenguin website, the average insurance rate for U.S. drivers between the ages of 16 and 18 ranges from around $6,500 to $8,200 per year as of 2015, depending on when they start driving. These figures were taken from quotes from more than 20 insurance companies. Sixteen-year-old drivers paid the highest average at $8,226, ValuePenguin said. That figure dropped to $6,456 for 18-year-old drivers and $3, 620 for 21-year-old drivers. The average for 25-year-old drivers was $2,374, which is only slightly higher than what most adults pay each year. Averages vary from state to state.

Males vs. Females

Rates vary based on statistical differences between men and women. The PsychCentral website notes that men often demonstrate a higher technical proficiency at driving than women, but they also tend to be more aggressive drivers and are, therefore, more likely to get into an accident. Men also tend to choose cars that are more expensive to insure, such as sports cars. Across all ages, women can expect to pay an average of 9 percent less on their insurance premiums than men do.

Tip

  • Your gender isn’t nearly as important as your personal driving record. A man who has a safe driving record will pay less than a woman who does not.

City vs. Rural

Another factor in determining insurance rates is whether you live in a city or not. If you do live in a city, you can expect to pay a higher rate than someone who lives in a rural area because you face a higher risk of getting into an accident. Also, car thefts are usually higher in large cities than they are in rural areas.

Discounts

There are several things you can do as a beginner driver to lower your insurance premiums. The first thing you should do is take a driver’s education class, as most insurance companies will lower your rates if they know you’ve received formal training. If you’re too old to take a high school course, check your local college or look for private companies that offer driving classes. If you’re married, you will also pay less than your single counterparts.

Tip

  • Also keep in mind that as you get older, your premiums will go down. Therefore, it’s very important to keep your driving history clear of tickets or accidents that might keep your insurance premiums high over the long-run.

About the Author

Brandon Dennis holds a bachelor's degree in mechanical engineering from the College of Central Florida with a minor in journalism. Since then, he has enjoyed working in the automotive aftermarket and has done so for the past six years. He is also currently seeking an ASE Certified Technician Certificate.