Getting cheap car insurance under 25 can seem impossible. Auto insurance costs can be rather expensive even if you are not considered to be within the "high risk" age range, so the several hundreds of dollars young adults and teens are forced to pony up every month in order to cover their automobiles can seem ridiculous. Unfortunately, young adults are far more likely to get into accidents compared to middle age drivers, so it's only to be expected that they're charged higher premiums.

Whether you're a young adult or a parent of a teen, if you think there's no way you're going to get a car insurance policy for young adults that's under $200-$400 or more a month, you'd be surprised to find that there are ways you can cut costs -- some ways will even cut your expenses by several hundreds of dollars. Read on to learn more about how to get cheap car insurance under 25.

Tips and Tricks for Cheap Auto Insurance

The most necessary thing to understand is that it's important for you to have and keep a good driving record. If you're a parent, you'll need to stress to your teen how imperative it is for them to be a responsible driver. The last thing you want to do is have yet another teen or young adult be another driving statistic. It's very important for all drivers -- not just young ones -- to drive responsibly, carefully and without the influence of drugs or alcohol. New drivers should do their best to keep their records pristine as possible. That means no speeding tickets, no accidents, and no traffic violations. The longer you're able to keep a squeaky clean record, the more likely you are to get cheap car insurance under 25. Your premiums will go down the longer you keep your record clean.

Most parents have the ability to piggyback their teen or young adult on their current automobile insurance plan. This will allow people under 25 to get low cost car insurance without much hassle. Depending on the make and model of a young adult's vehicle, insurance can be as low as under $100 a month. If you're a parent, a way to get cheap car insurance for teens might be to consider putting your son or daughter on your current car insurance policy, and if you're a young adult living on your own, you might want to check to see, if possible, whether or not your parents will add you to their policy.
For people under 25 not able to be added to an existing plan, there are standalone policies made specifically for people who are young. These policies usually have certain restrictions, such as no driving after night. Some plans will also give discounts to students who have completed a driver's ed course and also have a B+ average in school or college.


Cheap car insurance for young people is definitely a possibility. There are many ways to get cheap car insurance under 25 years of age. You're usually at an advantage if you have an older car with many safety features equipped, as opposed to a flashy, brand new sports model, as these cars are typically considered high risk. If you have yet to purchase a car, you'll want to do research as to what kind of models are considered "high risk", and try to avoid them. You might consider getting an insurance policy with a high deductible in exchange for a lower monthly payment. Make sure you shop around for the best price and don't accept anything without fully understand the terms.