Affordable auto insurance for all—even young adults and new drivers

Does affordable auto insurance even exist? 

Fair question. Yes, it exists, but it’s not always the easiest to find. It’s easy to get discouraged when you’re shopping around for car insurance and the quotes being offered aren’t lining up with your budget. 

So what can you do to increase your chances of getting a better rate? Many car insurance companies offer discounts for things like taking a defensive driving course, being a good college student, or going a certain amount of time without being in an auto accident. 

At Root, we reward good drivers with real savings. So just for staying focused behind the wheel, you could save hundreds on your auto insurance each year.

Why is car insurance for new drivers so expensive?

Finding affordable auto insurance for new drivers can be hard. New drivers are often teenagers, and due to statistics around teen driving, car insurance companies often view teens as a high risk to insure. 

Fact—the crash rate for teenage drivers is almost four times higher than drivers aged 20 or older. 

And while your teen might be a safe driver, if they have other young passengers in the car, those people could influence your teen’s behavior. 

If you want to make sure your new driver is safe, give them some tips for avoiding distractions before they hit the road. You can also set some driving rules. Here are a few examples:

• Give your teen a curfew. Driving late at night can be unsafe for even the most experienced drivers. 

• Have an emergency plan. Help your new driver be prepared for situations where they feel uncomfortable with someone in their car or unsafe because of another driver’s behavior on the road. 

• Set a passenger limit. The less people in the vehicle with your teen driver, the better. It is also a good idea to let them get comfortable behind the wheel before allowing them to have friends in the car. Then you could start with a limit of one passenger.

Driving for the first time can be very exciting, so it’s easy for new drivers to forget just how dangerous it is on the road. It’s important to educate teens and set limits so they can keep themselves and the people around them safe. 

What about car insurance for young adults?

What if you’re not a “new” driver? Perhaps you’re a young adult (18-22) who’s been driving for a while, and you’re coming off of your parent’s insurance plan as you go off to college. 

Since car insurance companies use age as one of the key indicators of risk, young adults could still be faced with a higher than average premium. 

However, rates start to drop around the age of 20, so as long as they have a good driving record, young adults will typically pay less than drivers in their low teens. 

So how can you get the most affordable car insurance?

That often depends on a variety of factors. What does your driving record look like? What about your demographics (ZIP code, marital status, age, etc.)?

Many car insurance companies raise rates for things like living in a certain area, being too young or too old, or having a previous lapse in coverage. 

We don’t think that’s very fair. So at Root, we do things differently.

Root’s commitment to fairness 

We love it when good drivers save money. That’s why Root is committed to helping customers get the car insurance coverage they need at the rate they deserve. 

We are able to do this by basing rates primarily on a factor you can control—your driving behavior. 

You see, we only insure the best drivers. So unlike many car insurance companies, we are generally able to keep rates low so our customers don’t have to account for the mistakes of the riskier drivers out there. 

Getting started with Root is simple. Download our easy-to-use app, and take the test drive. After driving around like you normally would for a few weeks, you’ll receive a quote based primarily on how you drive—not who you are. 

Because of our commitment to fairness, our customers (young or old) can save up to $900/year on their auto insurance premiums. 

We think that seems pretty fair. 

No matter your age—Root’s got you covered

We don’t like to get hung up on the numbers, unless you’re talking about savings. Get a quote.