Depending on the state that you live in, some auto insurance policies are less expensive for teenage drivers than others. Because teens are new drivers, their insurance policies will generally be more expensive than more experienced drives. Although many teenagers might not see this as fair, unfortunately, this specific age population is more susceptible to accidents and vehicle violations. Believe it or not, adding a teen to an existing insurance policy can increase a monthly premium as much ad 50%. With this being true, it’s important for youth drivers to know how their home state adds up in terms of auto coverage and the expenses that go along with it.
States with Least Expensive Auto Coverage for Teens
One state that is the least expensive for a teenage to drive in is Maine. Many people think that this is true because this specific state has a lot of rural roads that are less dangerous to drive on. While this is partially true, the biggest factor that causes Maine to be inexpensive for young drivers is the lack of city driving. Overall, there are barely any city roads throughout the entire state, causing the insurance rates to be lower because it is an all around safer place for teenagers to navigate through. Another state that has lower monthly premiums for teen drivers is Iowa. This is thought to be true here because the residence of Iowa are generally in less of a rush than the rest of the nation. On the other hand, one of the most expensive states for a young person to drive in is the state of Louisiana. Interestingly, this state is ranked so high because citizens of Louisiana are known to file a larger amount of bodily harm claims when compared to the rest of the country. Next on the list is the state of Michigan. This state is one of the most expensive for a teen to receive auto insurance because it is the only state in America the offers a lifetime guarantee of unlimited personal protection.
Teenagers Can Save Money on their Monthly Insurance Rates
One main way that a lot of different young drivers save money on their car insurance is by purchasing a relatively cheap car. It’s important to know that the more expensive and flashy your car is, the more you will end up paying for your auto coverage. This is true for a few different reasons like car repair and possible negative driving habits. Another way for teenagers to find a less expensive auto policy is to contact more than one company to get a few different quotes. By doing the necessary research, teens will have the ability to shop around to find the best auto insurance policy to fit all of their specific driving needs. Luckily, there are many different local and national companies that will be more than happy to provide you with an auto quote in hopes to eventually gain your business.
Source: Baltimore High Risk Coverage