However, rates vary significantly between insurers. While a person in their early twenties has probably been driving for at least a few years, car insurance companies still charge them higher rates because they have less experience than older drivers and are more likely to make unwise decisions behind the wheel. Car insurance for 21-year-old drivers is expensive because insurance companies use their driving history to help determine their insurance rates. Some of the best auto insurance providers for 21-year-olds are Progressive, Geico and State Farm, because they offer several discounts and already have low rates.
Many insurance providers apply this discount automatically when you have more than one insured vehicle on your policy. If you're looking for cheap car insurance in Georgia, you can also use NerdWallet's car insurance comparison tool. Drivers in their 30s can get lower rates by comparing prices and taking advantage of discounts on car insurance. While people in their 60s have cheaper car insurance rates than many other age groups on average, prices will start to increase as they age.
Car insurance for new drivers over 21 years old can be more expensive than car insurance for 21-year-olds who have been driving since they were 16. While some states prohibit auto insurance providers from using gender to determine premium rates, it is a crucial factor for auto insurance premiums in states where it is allowed. To find cheap car insurance for seniors, drivers in their 60s should be sure to compare prices to find the best rate. Another way to reduce the cost of car insurance for a 21-year-old man is to add it to his parents' existing insurance policy. While car insurance rates usually start to decline at age 21, this decline is partly because those who have been driving since they were 16 have demonstrated their habits and ability to drive.
Visit NerdWallet's guide to car insurance requirements by state to learn more about how to buy your car insurance policy in Georgia. However, these rates are generalized averages, so you'll need a personalized quote to get an accurate rate and find good car insurance for your needs. Read on to learn the average cost of car insurance for a 21-year-old and how to get the best and cheapest policy. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.