Cheap Dodge Intrepid Car Insurance in 2024 (Save Big With These 10 Companies!)
The top providers for cheap Dodge Intrepid car insurance are Progressive, USAA, and Safeco, offering rates as low as $60 per month. These companies excel in affordability, customer service, and coverage options, making them the best choices for budget-conscious drivers seeking quality insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 19, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The top providers for cheap Dodge Intrepid car insurance are Progressive, USAA, and Safeco, with Progressive offering the best overall rates. This article explores how factors like driver characteristics, vehicle safety features, and location impact insurance costs.
Understanding the different coverage types and available discounts can help you save even more. We compare multiple quotes to ensure you get the best deal without compromising coverage. Additionally, tips on maintaining a good credit score and vehicle upkeep are provided to further reduce premiums.
Our Top 10 Company Picks: Cheap Dodge Intrepid Car Insurance
Company Rank Monthly Rates Multi-Policy Discount Best For Jump to Pros/Cons
#1 $60 8% Bundling Options Progressive
#2 $65 5% Comprehensive Coverage USAA
#3 $75 7% Flexible Plans Safeco
#4 $76 5% Member Benefits Geico
#5 $78 10% Established Provider State Farm
#6 $80 10% Military Families Travelers
#7 $82 10% Customer Service Farmers
#8 $85 6% Customizable Policies AAA
#9 $88 8% Budget-Friendly Liberty Mutual
#10 $90 10% Comprehensive Discounts Allstate
Find out how to secure affordable coverage on your insurance for your Dodge Intrepid with these top companies. Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
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#1 – Progressive: Top Overall Pick
Pros
- Affordable Rates: Progressive offers the lowest monthly rates starting at $60.
- Bundling Discounts: Provides an 8% discount when you bundle multiple policies.
- Comprehensive Coverage: According to our Progressive insurance review & ratings, Progressive offers wide range of coverage options to meet diverse needs.
- Snapshot Program: Usage-based insurance program can lead to additional savings.
- Good Driver Discounts: Rewards safe driving with substantial premium reductions.
Cons
- Customer Service: Some customers report less satisfactory service experiences.
- Limited Local Agents: Fewer physical locations compared to other insurers.
- Rate Increases: Rates may increase after initial term or claims.
#2 – USAA: Best for Comprehensive Coverage
Pros
- Military Focus: Tailored for military families with specialized services and discounts.
- High Customer Satisfaction: Consistently high ratings for customer service.
- Comprehensive Options: Extensive coverage options including roadside assistance.
- Competitive Rates: Monthly rates starting at $65.
- Financial Stability: Our analysis of USAA insurance review & ratings reveals USAA has strong financial ratings ensure reliability.
Cons
- Membership Restrictions: Only available to military members and their families.
- Limited Discounts: Lower multi-policy discount compared to some competitors.
- Digital Experience: Website and app functionalities could be improved.
#3 – Safeco: Best for Flexible Plans
Pros
- Flexible Coverage: Customizable policies to fit individual needs.
- Accident Forgiveness: First accident won’t increase premiums.
- 24/7 Claims Support: Round-the-clock claims assistance.
- Affordable Rates: Competitive monthly rates starting at $75.
- Bundling Discounts: Our review of Safeco insurance review & ratings indicates Safeco offers a 7% discount for bundling multiple policies.
Cons
- Mixed Reviews: Customer satisfaction varies widely.
- Limited Availability: Not available in all states.
- Premium Costs: Higher premiums for certain high-risk drivers.
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#4 – Geico: Best for Member Benefits
Pros
- Member Discounts: Various discounts available for different affiliations.
- Affordable Rates: Monthly rates starting at $76. Learn more on our “How can I pay my Geico insurance premium?“
- Easy Online Quotes: User-friendly website for quick quotes and policy management.
- Strong Financial Rating: Reliable and financially secure.
- Wide Coverage: Extensive coverage options available.
Cons
- Customer Service: Reports of inconsistent customer service experiences.
- Rate Fluctuations: Premiums may vary significantly based on driving record.
- Limited Local Presence: Fewer local agents and offices.
#5 – State Farm: Best for Established Provider
Pros
- Extensive Network: Wide network of local agents.
- Multi-Policy Discounts: Offers up to 10% discount for bundling policies.
- Personalized Service: Local agents provide personalized service.
- Accident-Free Discounts: The findings from our State Farm insurance review and ratings demonstrates State Farm has rewards safe driving history with discounts.
Cons
- Higher Premiums: Premiums may be higher compared to some competitors.
- Digital Tools: Online tools and app functionalities can be improved.
- Limited Specialty Coverage: Fewer options for certain specialty coverages.
#6 – Travelers: Best for Military Families
Pros
- Military Discounts: Special discounts for military personnel and families.
- Comprehensive Coverage: Wide range of coverage options.
- Financial Strength: Our examination of Travelers insurance review & ratings shows Travelers is backed with strong financial ratings ensure reliability.
- Competitive Rates: Monthly rates starting at $80.
- 24/7 Support: Round-the-clock customer service and claims support.
Cons
- Limited Discounts: Fewer discount options compared to some competitors.
- Customer Satisfaction: Mixed reviews on customer service.
- Higher Premiums: Higher premiums for certain risk categories.
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#7 – Farmers: Best for Customer Service
Pros
- Excellent Customer Service: High ratings for customer support.
- Policy Customization: Tailored coverage options to meet specific needs.
- Multi-Policy Discounts: Offers up to 10% discount for bundling policies.
- Financial Stability: The results of our Farmers car insurance review & ratings suggests Farmers is renowned for having strong financial ratings ensure reliability.
- Accident Forgiveness: First accident doesn’t increase premiums.
Cons
- Higher Premiums: Premiums may be higher compared to some competitors.
- Limited Digital Tools: Digital experience could be improved.
- Availability: Not available in all states.
#8 – AAA: Best for Customizable Policies
Pros
- Customizable Coverage: Flexible policy options to fit various needs.
- Member Benefits: Additional discounts and benefits for AAA members.
- Competitive Rates: Monthly rates starting at $85.
- 24/7 Support: Round-the-clock customer service and claims support.
- Multi-Policy Discounts: Our assessment of AAA insurance review & ratings illustrates AAA offers a 6% discount for bundling policies.
Cons
- Membership Required: Must be a AAA member to access discounts.
- Higher Premiums: Premiums may be higher for certain risk categories.
- Mixed Reviews: Customer satisfaction varies widely.
#9 – Liberty Mutual: Best for Budget-Friendly
Pros
- Budget-Friendly: Based on our Liberty Mutual insurance review & ratings, Liberty Mutual focuses on affordable rates starting at $88 per month.
- Customizable Coverage: Tailored coverage options to fit individual needs.
- Financial Strength: Strong financial ratings ensure reliability.
- Bundling Discounts: Offers an 8% discount for bundling multiple policies.
- Accident Forgiveness: First accident won’t increase premiums.
Cons
- Customer Service: Mixed reviews on customer service experiences.
- Rate Increases: Rates may increase significantly after claims.
- Digital Experience: Website and app functionalities could be improved.
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#10 – Allstate: Best for Comprehensive Discounts
Pros
- Extensive Discounts: Wide range of discount options available.
- Multi-Policy Discounts: Offers up to 10% discount for bundling policies.
- Strong Financial Ratings: Our Allstate insurance review & ratings highlights Allstate’s reliability and financially security.
Cons
- Higher Premiums: Premiums may be higher compared to some competitors.
- Customer Service: Reports of inconsistent customer service experiences.
Factors That Impact the Cost of Dodge Intrepid Car Insurance
Several factors come into play when determining how much is car insurance for a Dodge Intrepid. These factors include:
- Age and driving history of the insured
- Location of the insured
- Model year and trim level of the Dodge Intrepid
- Mileage driven annually
- Credit score
- Choice of coverage options and deductibles
- Availability of discounts and incentives
Each of these factors individually affects insurance premiums, and their combined influence can result in considerable variations in costs. Another factor that can impact the cost of insuring a Dodge Intrepid is the age and gender of the insured. Younger drivers, especially those under the age of 25, tend to have higher insurance premiums due to their lack of driving experience and higher risk of accidents.
Additionally, male drivers typically have higher insurance rates compared to female drivers, as statistics show that males are more likely to be involved in accidents.
Dodge Intrepid Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $85 $170
Allstate $90 $180
Farmers $82 $164
Geico $76 $152
Liberty Mutual $88 $176
Progressive $60 $110
Safeco $75 $150
State Farm $78 $156
Travelers $80 $160
USAA $65 $120
The condition and safety features of the Dodge Intrepid can also affect insurance costs. If the car has advanced safety features such as anti-lock brakes, airbags, and electronic stability control, it may qualify for lower insurance rates. On the other hand, if the car is in poor condition or has a history of mechanical issues, it may result in higher insurance premiums due to the increased risk of accidents or breakdowns.
Understanding the Different Types of Car Insurance Coverage for a Dodge Intrepid
When considering car insurance for your Dodge Intrepid, it’s essential to understand the different types of coverage available. The three primary types of coverage are:
- Liability Coverage: This type of coverage safeguards you financially in case you cause an accident resulting in property damage or injury to others.
- Comprehensive Coverage: Comprehensive coverage protects your vehicle from damages not relating to collisions, such as theft, vandalism, or natural disasters.
- Collision Coverage: Collision coverage covers damages to your Dodge Intrepid resulting from a collision with another vehicle or object.
It is crucial to evaluate your needs and budget to determine which types of coverage are necessary and how they may impact your insurance costs.
Additionally, it’s important to note that there are other optional types of car insurance coverage that you may consider for your Dodge Intrepid:
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Medical Payments Coverage: Medical payments coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.
- Rental Reimbursement Coverage: This coverage provides reimbursement for the cost of renting a vehicle while your Dodge Intrepid is being repaired after a covered accident.
These additional coverage options can provide added peace of mind and financial protection in various situations. However, it’s important to carefully consider your specific needs and consult with your insurance provider to determine the most suitable coverage for your Dodge Intrepid.
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Exploring Additional Coverage Options for a Dodge Intrepid
Besides the primary coverage options, insurance providers may offer additional coverage options, such as roadside assistance or rental reimbursement, for your Dodge Intrepid. Roadside assistance can be particularly useful in case of unexpected breakdowns or emergencies, while rental reimbursement provides coverage for a rental vehicle if your Dodge Intrepid is temporarily out of commission due to an accident.
As you navigate the process of insuring your Dodge Intrepid, consider the various factors discussed in this article. Understanding the cost factors, coverage options, and available discounts will enable you to make an informed decision and find affordable car insurance that meets your needs. Remember, while cost is important, it’s crucial to ensure you have adequate coverage to protect yourself, your vehicle, and others on the road.
Comparing Car Insurance Rates for the Dodge Intrepid Across Different Providers
Insurance rates can vary significantly from one provider to another. It is advisable to obtain quotes from multiple insurance companies and compare insurance quotes and their rates for insuring a Dodge Intrepid. While price is an important factor, it’s equally essential to consider the reputation and customer service of the insurance providers.
Additionally, it is important to consider the coverage options offered by each insurance provider. Different providers may offer different levels of coverage for the Dodge Intrepid, including options for comprehensive, collision, and liability coverage. It is crucial to carefully review and compare the coverage options to ensure that you are getting the protection you need at a price that fits your budget.
Tips for Finding Affordable Car Insurance for a Dodge Intrepid
If you’re looking to save money on your Dodge Intrepid car insurance, here are some valuable tips. Opting for higher deductibles can lower your premiums, though it’s important to remember that you’ll need to pay this amount out of pocket in case of an accident. Taking advantage of discounts is another effective strategy.
Many insurance companies offer various discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in your Dodge Intrepid. Considering usage-based insurance can also be beneficial. Some insurance providers offer programs that monitor your driving habits, and if you are a responsible driver, this can lead to lower premiums. Additionally, shopping around can help you find the best deal.
Implementing these tips can potentially save you money without compromising on the coverage you need. Another tip for finding affordable car insurance for a Dodge Intrepid is to maintain a good credit score. Insurance companies often consider your credit history when determining your premiums, so maintaining a good credit score may make you eligible for lower rates.
Furthermore, bundling your car insurance with other types of insurance, such as homeowners or renters insurance, can be beneficial. Many insurance companies offer discounts for bundling multiple policies, which can help you save money on your overall insurance costs.
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The Average Cost of Insuring a Dodge Intrepid
The specific location where you reside can significantly impact your insurance premiums for a Dodge Intrepid. Factors such as crime rate, population density, and weather conditions can all influence insurance costs. It’s advisable to research the average annual insurance costs for the Dodge Intrepid in your area to have a better understanding of what to expect.
Another factor that can affect the average annual cost of insuring a Dodge Intrepid is the driver’s age and driving history. Insurance companies often consider younger drivers or those with a history of accidents or traffic violations to be higher risk, resulting in higher premiums. On the other hand, older drivers with a clean driving record may be eligible for lower insurance rates.
Ty Stewart Licensed Insurance Agent
In addition to location and driver characteristics, the coverage options and deductibles chosen can also impact the cost of insuring a Dodge Intrepid. Opting for higher coverage limits or lower deductibles may result in higher premiums, while choosing lower coverage limits or higher deductibles can help lower insurance costs.
It’s important to carefully consider your coverage needs and budget when selecting insurance options for your Dodge Intrepid. Check out more information on our “Best Car Insurance for High-Risk Drivers.”
Exploring Discounts and Incentives for Dodge Intrepid Car Insurance
Insurance companies often offer various discounts and incentives to attract customers. Some common discounts applicable to Dodge Intrepid car insurance include:
- Safe driver discounts
- Good student discounts
- Multi-policy discounts
- Discounts for safety features such as anti-lock brakes or airbags
Exploring these discounts and incentives can help you lower the cost of insuring your Dodge Intrepid.
The Importance of Proper Maintenance and Security Features in Reducing Dodge Intrepid Car Insurance Costs
Maintaining your Dodge Intrepid properly and ensuring it has adequate security features can contribute to reducing car insurance costs. Regular servicing and proper upkeep of your vehicle can minimize the likelihood of mechanical failures or accidents. Additionally, installing security features such as anti-theft systems or tracking devices can help deter theft and potentially qualify you for insurance anti-theft car insurance discounts.
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The Impact of Deductibles on Dodge Intrepid Car Insurance Premiums
Choosing the right deductible for your Dodge Intrepid car insurance can affect your premiums. A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Typically, raising your deductibles lead to lower premiums, but it’s essential to consider your financial situation and ability to pay the deductible in case of an accident.
Understanding Comprehensive and Collision Coverage Options for a Dodge Intrepid
Comprehensive and collision coverage options provide additional protection for your Dodge Intrepid. Comprehensive coverage safeguards against damages not resulting from collisions, while collision coverage covers damages from collisions with other vehicles or objects. Evaluating your needs and cost-benefit analysis can help you decide if these additional coverage options are necessary for your situation.
Factors to Consider When Choosing the Right Level of Liability Coverage
Choosing the appropriate level of liability insurance coverage for your Dodge Intrepid is crucial. Factors to consider include your financial situation, the value of your assets, and the potential financial risks you are willing to bear in case of an accident. Higher liability coverage limits generally lead to higher premiums, but it ensures that you have sufficient coverage in case of a significant accident.
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The Role of Credit Score in Determining Dodge Intrepid Car Insurance Rates
In many jurisdictions, insurance companies consider credit scores when calculating insurance premiums. A higher credit score generally leads to lower insurance rates, as it is believed to indicate a lower risk of filing claims. Maintaining a good credit score can, therefore, result in more affordable Dodge Intrepid car insurance.
Check out more information on our “Understanding Credit: A Score that Impacts Everything from Your Cell Phone Bill to Car Insurance.”
Tips for Lowering Your Premiums Without Compromising Coverage
If you want to reduce your car insurance premiums for your Dodge Intrepid without sacrificing coverage, consider implementing these tips:
- Bundle Policies: Many insurance companies offer discounts to customers who bundle their auto and home insurance policies.
- Improve Credit Score: Maintaining a good credit score can help you secure lower insurance rates.
- Take Advantage of Discounts: Explore all available car insurance discounts and ensure you maximize the savings.
- Pay Premium Upfront: Some insurance companies offer discounts if you pay the full premium upfront rather than in installments.
By applying these strategies, you can potentially lower your car insurance premiums while maintaining comprehensive coverage for your Dodge Intrepid.
Case Studies: Real-Life Examples of Dodge Intrepid Car Insurance Savings
Finding affordable car insurance for your Dodge Intrepid is crucial for saving money without compromising coverage. Here are real-life case studies showcasing how drivers managed to secure budget-friendly insurance rates.
- Case Study 1 – Newly Graduated Driver Saves Big: Sarah, a recent college graduate, found affordable car insurance for her Dodge Intrepid by comparing quotes and opting for a higher deductible.
- Case Study 2 – Family Man Finds Affordable Coverage: David, a father of three, lowered his insurance costs for his Dodge Intrepid by bundling his car insurance with his homeowner’s policy and taking advantage of available discounts for safe driving.
- Case Study 3 – Senior Driver Enjoys Competitive Rates: James, a retired senior, qualified for various discounts on his Dodge Intrepid insurance premiums by maintaining a clean driving record and installing safety features.
- Case Study 4 – Urban Dweller Navigates High Insurance Costs: Emily, living in a busy city, managed to find competitive rates for her Dodge Intrepid by researching insurers that offer discounts for urban drivers and choosing a usage-based pricing model.
- Case Study 5 – Military Veteran Benefits from Specialized Coverage: John, a retired military member, secured comprehensive coverage for his Dodge Intrepid at a discounted rate by leveraging his military service record and affiliating with a veteran-focused insurer.
These case studies demonstrate how drivers have successfully found affordable car insurance for their Dodge Intrepid by exploring different options and leveraging available discounts.
These case studies illustrate the diverse strategies drivers have employed to find affordable car insurance for their Dodge Intrepid. By exploring different options and leveraging available discounts, you too can save on insurance premiums while ensuring adequate coverage for your vehicle.
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The Roundup: Dodge Intrepid Car Insurance
Securing affordable car insurance for your Dodge Intrepid is crucial for ensuring financial protection while on the road. By understanding the various factors that impact insurance costs and exploring discounts and incentives, you can find a policy that meets your needs without breaking the bank.
Remember to compare quotes from multiple insurance companies, consider your coverage options carefully, and take advantage of discounts.
Kristen Gryglik Licensed Insurance Agent
Additionally, maintaining a good credit score and implementing strategies to lower your premiums can further help you save money. By taking these steps, you can enjoy peace of mind knowing that you have the right coverage at the best price for your Dodge Intrepid. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
Frequently Asked Questions
What factors affect the cost of Dodge Intrepid car insurance?
The cost of Dodge Intrepid car insurance can be influenced by various factors such as the driver’s age, location, driving history, coverage options, deductible amount, and the insurance provider’s rates.
Are there any specific safety features on the Dodge Intrepid that can lower insurance costs?
Yes, the Dodge Intrepid is equipped with safety features like anti-lock brakes, airbags, and traction control. These safety features can potentially lower the insurance costs as they reduce the risk of accidents and injuries.
How can I find the best insurance rates for a Dodge Intrepid?
To find the best insurance rates for a Dodge Intrepid, it is recommended to shop around and compare quotes from multiple insurance providers. Additionally, maintaining a clean driving record and considering higher deductibles can help in securing lower insurance premiums. See if you’re getting the best deal on car insurance by entering your ZIP code below.
Is Dodge Intrepid car insurance more expensive for younger drivers?
Generally, car insurance premiums for younger drivers tend to be higher due to their lack of driving experience and higher statistical risk. However, the exact cost will depend on various factors including the driver’s age, location, and driving history.
Can I get discounts on Dodge Intrepid car insurance?
Yes, many insurance providers offer discounts on car insurance. Some common discounts that may be available for Dodge Intrepid owners include good driver discounts, multi-policy discounts, safety feature discounts, and discounts for completing defensive driving courses.
What type of car insurance is cheapest?
Generally, fully comprehensive insurance tends to be the most affordable option, although costs can vary based on personal factors.
What is the least amount of car insurance coverage?
The least amount of car insurance generally mandated is the state-required liability coverage. This coverage helps you pay for some or all of the injuries and damages for which you are responsible in an accident.
Which car insurance type is best?
Indeed, the cost of comprehensive car insurance is relatively high compared to other types of motor insurance. This is due to the fact that comprehensive coverage insurance provides more extensive coverage for your vehicle than other insurance options.
What is the most basic car insurance?
There are various car insurance policies available for purchase. Typically, standard car insurance offers liability coverage. In fact, the majority of states mandate a minimum level of this coverage. Additionally, they might require you to have uninsured/underinsured motorist protection and comprehensive coverage.
What is the most expensive type of car insurance?
A policy with comprehensive coverage will cost more than one that only covers liability. Generally, opting for a higher deductible and a lower coverage limit will result in reduced premiums.
What is premium insurance?
An insurance premium is the monthly or annual payment required to maintain your insurance policy. The amount of the premium is influenced by various factors such as risk level, coverage amount, and the specific type of insurance you hold. However, this may not be applicable to every form of life insurance.
Discover more information on our “How does the insurance company determine my premium?”
Which insurance is best for a car after 5 years?
A zero-depreciation add-on enhances the basic comprehensive car insurance policy. It boosts the claim amount by covering repair and depreciation expenses. Our free online comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Which insurance is better for a new car?
Comprehensive car insurance provides both the legally required third-party insurance and an own damage cover, which protects against damages to your vehicle. This type of policy offers the most extensive coverage among the three options, making it our recommended choice for your car.
What age is car insurance most expensive?
According to the Insurance Institute for Highway Safety, teenage drivers have a crash rate that is four times higher than that of drivers aged 20 and above. Consequently, insurance companies consider young drivers to be the highest risk to insure. Individuals aged 16 to 24 generally encounter the highest insurance premiums among all age groups.
Obtain more knowledge on our “Best Car Insurance for 21-Year-Old Drivers.”
What age is best for car insurance?
Drivers with ample experience are typically associated with fewer accident claims, resulting in lower insurance costs. At Progressive, the average premium per driver typically sees a significant decrease between the ages of 19 and 34, followed by stabilization or slight decrease from 34 to 75
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
