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.
Liability Insurance
State 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.
Full Coverage
Full coverage adds collision and comprehensive to liability. Required if you finance or lease, and recommended for any new driver whose vehicle is worth protecting.
Collision Coverage
Collision 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.
Comprehensive Coverage
Comprehensive 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.
Uninsured Motorist Coverage
Uninsured motorist coverage pays your medical bills and vehicle damage when the at-fault driver has no insurance. Required in some states, optional in others.
