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Auto Insurance Rates and Requirements for Drivers Under 25

Compare minimum coverage requirements, average premium data, and carrier options across all 50 states.

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Coverage Options

Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.

A man in a dark cap and jacket sits in a vehicle's driver seat, pulling the seat belt across his body toward the buckle, with a mesh cargo partition behind him and bare trees visible through the window.Liability InsuranceRequired in 48 states, liability covers damage you cause to others. Minimum limits range from 15/30/5 in California to 50/100/25 in Alaska.A hand holds a black car key on a ring above a wooden table with a clipboard of printed forms and a pen, in a blurred interior with a hanging lamp and a dark mug.Full CoverageCombines liability, comprehensive, and collision into one policy. Typically required by lenders if you finance or lease your vehicle.An open black mailbox with a raised red flag on a wooden post, holding a white envelope, with a dark car parked under a carport of a house blurred in the background at dusk.Comprehensive CoverageCovers non-collision damage like theft, vandalism, weather, and animal strikes. Adds an average of $134 per year to your premium in most states.A woman with long brown hair sits in the driver's seat of a car, holding a phone to her ear, seen through the windshield.Collision CoveragePays for damage to your car after an accident, regardless of fault. Average deductibles range from $500 to $1,000.A man in a black cap and dark fleece jacket sits in the driver's seat of a van, pulling the seat belt across his chest toward the buckle, with a steering wheel at right and a toolbox at lower left.Uninsured Motorist CoverageProtects you when hit by a driver with no insurance. Mandatory in 20 states and recommended in all others where 1 in 8 drivers are uninsured.

Recent Articles

A man in a dark button-up shirt works on a laptop at a wooden desk with a mug, notebook and papers, beside a window showing silhouetted trees at dusk.6/11/2026TX Financed Car Full Coverage RulesTexas lenders require collision and comprehensive on financed cars — not the state's $30k/$60k/$25k liability minimum.Interior view from the driver's seat at night, with two hands gripping a steering wheel, an illuminated instrument cluster, and a road with distant vehicle and street lights through the windshield.6/11/2026Leaving Parents' Policy Without Gap in GAGeorgia's GEICS system flags coverage gaps within days. Your new policy's effective date must meet or precede your removal date — even a 24-hour gapA woman with long wavy hair in a dark top sits in the driver's seat of a car, holding a phone to her ear and looking out the side window.4/5/2026Parking Lot Accident Insurance Impact for New DriversParking lot crashes raise new driver premiums 20-40% ($50-$120/mo) for 3 years and reset discount eligibility timelines — here's the break-even math.
A man in a cap, dark jacket, jeans and boots leans against the side of a dark pickup truck on open grassland at sunrise or sunset, with low hills on the horizon.

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Compare Rates for Drivers Under 25

Frequently Asked Questions

What is the minimum auto insurance required in my state?

Minimum requirements vary by state. Most states require liability coverage with specific dollar limits for bodily injury and property damage. Select your state to view exact minimums set by law.

What's the difference between liability and full coverage?

Liability covers damage you cause to others and is legally required in most states. Full coverage adds comprehensive and collision to cover damage to your own vehicle, regardless of fault.

Can I stay on my parents' insurance policy?

You can remain on your parents' policy if you live at the same address, even after age 18. Once you move out or purchase your own vehicle, you'll need a separate policy.

How do I compare quotes from different insurance companies?

Request quotes with identical coverage limits and deductibles to compare accurately. Review each carrier's liability limits, comprehensive and collision deductibles, and any discounts applied.