What’s the minimum coverage a young driver must carry?

Each state mandates liability limits; however, higher limits reduce out-of-pocket exposure after severe accidents.

Do young drivers really need collision and comprehensive?

If your vehicle is newer or financed, full coverage shields you from costly repairs or total loss.

Essential Auto-Insurance Coverage for Young Drivers

New drivers pay some of the steepest premiums on the road, so choosing the right coverage matters. From liability limits to full “comp and collision,” understanding each option helps you stay protected and save cash. See how every coverage type works. Real-life snapshot: In last week’s Austin quote run, basic policies for 19-year-olds started at just $42 per month.

Why Coverage Choice Matters More for Young Drivers

Statistically, motorists under 25 file more claims. That extra risk means state minimums often aren’t enough. Factor in local insurance-law quirks and it’s easy to see why carrying the right mix of protections is critical.

Compare Young-Driver Coverage Quotes by ZIP

Instantly compare essential-coverage rates for young drivers and start saving today.

Key coverage options for young-driver auto insurance

1. Liability—Your Legal Baseline

Liability pays when you injure someone or damage their property. Every state sets minimum dollar limits, but claims can blow past them fast. Bump those limits where you can—$100/300/100 is a common sweet spot. Review how claims unfold so there are no surprises after an accident.

2. Collision & Comprehensive—Protect Your Own Ride

Collision fixes your car after an at-fault crash. Comprehensive covers non-collision hits: theft, storms, deer strikes. If your vehicle is worth more than a few grand—or financed—skipping these can be pricey. Use our side-by-side rate tool to see how different deductibles change your bill.

3. Uninsured/Underinsured Motorist

Roughly one in eight drivers has too little—or no—insurance. UM/UIM coverage steps in so you’re not left footing the medical or repair costs when the other party can’t pay.

Young-Driver Coverage FAQs

What’s the legal minimum I must carry?
Most states require only liability, but minimums differ. Higher limits mean less personal risk if a claim gets large.

Is full coverage worth it on an older car?
Do the math: if annual comp + collision premiums exceed 10 % of the car’s market value, liability-only may make sense—just be ready to absorb repairs or replacement costs.

Get Your Custom Quote Today

The sooner you lock in the right protections, the safer—financially and physically—you’ll be. Compare quotes now, take any defensive-driving or good-student discounts you qualify for, and hit the road with confidence.

More Ways to Save

How else can young drivers cut premiums?
Keep a clean record, bundle with renters or homeowners insurance and explore mileage-tracking programs. Our discounts guide lists every break worth asking for.