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Car Insurance for New Drivers

Whether you just earned your learner's permit or your first unrestricted license, you need coverage that fits a driver with no record to rate.

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How It Works

Enter your ZIP code and tell us how long you have been licensed
Get matched with carriers who write policies for drivers with no record — standalone or on a family policy
Compare quotes side by side and see what a separate policy costs against adding to an existing one

Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

Driver's-eye view from inside a car at night, with two hands gripping the steering wheel, an illuminated instrument cluster behind it, and a road with blurred street lights and oncoming headlights through the windshield.

Liability InsuranceState minimum liability is the floor for any new driver. It covers injury and property damage you cause to others, but not your own vehicle or medical bills.

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Full CoverageFull coverage adds collision and comprehensive to liability. Required if you finance or lease, and recommended for any new driver whose vehicle is worth protecting.

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Collision CoverageCollision pays to repair or replace your vehicle after an at-fault accident. New drivers pay higher collision premiums because claim frequency is higher in the first two years of driving.

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Comprehensive CoverageComprehensive covers theft, vandalism, weather damage, and animal strikes. It protects your vehicle from non-collision events and typically costs less than collision for new drivers.

A woman with long brown hair sits in a car's driver seat holding a phone to her ear, seen through the windshield above the steering wheel.

Uninsured Motorist CoverageUninsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance. Required in some states, optional in others.

Recent Articles

A bearded man in a dark hooded jacket and tan pants sits in a vehicle's driver seat, pulling the seat belt across his chest toward the buckle, with trees and buildings visible through the open window.

7/12/2026Down Payments for New Driver InsuranceCarriers require 1-3 months down for new drivers with no payment history. The monthly quote excludes fees the down payment covers. Bind prepared.

A hand holds a black remote key fob with a keyring above a wooden table holding stacked printed documents, a pen, and a rolled sheet, with a blurred kitchen and pendant lights behind.

7/12/2026Six-Month vs Annual Policy Terms for New DriversSix-month policies re-rate you twice a year as your record builds. Annual terms make you wait twelve months.

An open black mailbox with a red flag and a tan envelope inside, mounted on a post beside shrubs, with a dark SUV parked in a driveway in front of a garage at sunset in the blurred background.

7/12/2026Car Insurance for a 20-Year-OldA 20-year-old new driver pays $411/month on a parent's policy versus $609/month standalone. Compare household-add versus standalone insurance options.

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Frequently Asked Questions

What does a learner's permit require for insurance?

Most states require learner's permit holders to be listed on the household policy of the vehicle owner they practice with. A few states allow permit holders to drive under the supervising driver's coverage without being explicitly listed. Check your state's rules before the first supervised drive.

How long do I have to hold a learner's permit before getting a license?

Permit holding periods range from 6 to 12 months across the 51 jurisdictions. Six months is the most common requirement, required in 36 jurisdictions. Your state also requires between 20 and 70 hours of supervised driving before you can advance to a provisional license.