Why Is Car Insurance So Expensive For New Drivers?

Car insurance is one of those things that many people think they don’t need, but in reality, it’s something all drivers should have. After all, car insurance is there to protect you and your car, no matter what. But why is car insurance so expensive for new drivers? And how can you find cheap rates?

This blog was written with the new driver in mind – to educate them on the reasons car insurance costs so much and provide 5 cheap and easy ways to save on car insurance. So whether you’re a recent driver or have been driving for years, be sure to check it out!

Read more: Why Is Insurance So Expensive For Teenage Drivers?

What Is Car Insurance?

Car insurance is a way to protect yourself and your car in the event of an accident. In most cases, you are responsible for paying the deductible before the policy will cover any losses. Keep in mind that car insurance rates vary based on your driving history, location, make and model of your car, among other factors.

So, it is important to be aware of your policy and to shop around for the best rates. Additionally, be sure to read the fine print to understand what is and isn’t covered. Finally, always have insurance in case of an accident – it could save you a lot of trouble and money in the long run!

How Is Car Insurance Priced?

When it comes to car insurance, each policy is priced differently and covers different risks. For example, personal car insurance policies may cost less than policies that cover commercial or multi-car drivers. It is important to understand your risk profile and compare rates from multiple companies to find the best deal for you.

In addition, make sure to have all your insurance documents – driver’s license, insurance card, car insurance policy – with you when you go to purchase insurance. This will speed up the process and help ensure that you’re properly covered. Have a safe driving journey!

Why Is Car Insurance So Expensive For New Drivers? 5 Cheap & Easy Ways

Car insurance for new drivers can be expensive, especially if you’re not familiar with the rates. That’s why we’ve put together a list of five cheap and easy ways to save on car insurance for new drivers. By following these tips, you can lower your rates without compromising on safety or coverage.

Here are the five tips:

1. Research rates online and compares quotes from different insurance companies.

2. Get auto insurance quotes with a discount for being a young driver.

3. Shop around for the best car insurance quotes to find the best rate or best price for your driving record and credit score.

4. Keep your car in good condition and do not rack up car insurance claims.

5. Make sure you have full coverage for theft, accident, and all other risks associated with driving.

The Most Common Ways To Save On Car Insurance

Car insurance can be expensive, but there are ways to save on rates. The first step is to be safe while driving and obey traffic laws. This will help prevent accidents.

Next, have your car registered and updated with the latest safety features, such as airbags and stability control systems. Finally, compare rates from different companies and find the best deal for you. Make sure to have comprehensive coverage in case of an accident.

Who Is Considered A New Driver?

Starting September 1st 2020, new drivers in New York State will no longer have to take a driving test to get their drivers license. Instead, they will be allowed to operate a motor vehicle with a drivers license that is valid for at least one year.

If you are at least 18 years old and have held a valid drivers license for the past two years, you will be considered a new driver.

If you are at least 16 years old and have held your current drivers license for the past year and passed an NYS DMV Written Test (exam), you will be allowed to drive without taking the behind-the-wheel driving test.

What Influences The Price Of Insurance?

When you’re ready to take the driving test for your drivers license, you may be wondering who qualifies as a “new driver.” In general, this term refers to drivers who have not had any traffic violations within the past two years.

However, there are other factors that influence the price of insurance for new drivers, such as your driving record, age and experience. For example, young drivers tend to be priced lower than older drivers and those with a history of driving accidents. Another factor that influences insurance rates is whether you are considered a high-risk driver.

This includes drivers who have an accident rate higher than the average driver, or those who have had more than one traffic violation in the past.

Car Insurance Rates By Age And Credit Rating

Car insurance rates for new drivers are generally higher than rates for older drivers, no matter your driving record. This is because car insurance companies use driver age and credit score as factors in setting rates.

Drivers under the age of 18 are not considered to be fully licensed drivers, and car insurance companies take into account your inexperience when calculating rates. Plus, a poor credit rating can increase your car insurance costs by up to 30%.

If you’re a new driver, it’s important to keep good driving records and make sure that you have a good credit score in order to get lower car insurance rates.

Car Insurance Rates By Provider

Anyone who has a driver’s license is considered a new driver. This means that your rates for car insurance will be higher than rates for drivers with a driver’s license that is older than you.

Make sure to compare rates and check for discounts available before buying a car insurance provider. If you are a new driver, your rates will be higher than an experienced driver.

How Do Get Cheap Car Insurance For New Drivers?

Being a new driver can be daunting, but it is important to know all the ins and outs of car insurance. To be considered a new driver, you must have had no driving violations within the past three years. If you are between the ages of 18-25, you can also get cheap car insurance by providing proof of your identity and residence.

You will also need to provide your driving licence, proof of auto insurance coverage, and your credit score. Make sure to compare rates from different providers before choosing one and choose the one that offers the best deal for you.


Here are some frequently asked questions to know why is car insurance so expensive for new drivers.

Q: Why is car insurance so high for first-time drivers?

A: There are a few factors that contribute to car insurance rates for young drivers. For starters, young drivers are more likely to be uninsured, have less driving experience, and have lower auto insurance rates because of it.

Additionally, young drivers are also more likely to get in car accidents and be sued. This can lead to higher auto insurance rates.

Q: Why is insurance so expensive under 25?

A: There are a number of reasons insurance rates are higher for people under age 25. For starters, young drivers are more likely to get into accidents, and they face higher car insurance premiums because they’re considered high-risk customers.

In addition, young people often don’t have enough experience with insurance policies to know how to shop for the best rates. Finally, insurance companies may be reluctant to offer policies to young drivers because they tend to claim more money than older drivers.

Q: Why do younger people pay more for insurance?

A: The rate for auto insurance for a 16-year-old driver is three times higher than it is for a 64-year-old driver.


Car insurance is an important part of driving and should be taken seriously. By reading through this blog, you will be able to understand the different aspects of car insurance and find cheap and easy ways to save on car insurance.

If you have any questions or comments, please feel free to leave them below and we’ll get back to you.

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