Meet 5 Best Car Insurance Quotes For First-Time Drivers

The car insurance quote is the most prominent thing to have if you are a first-time driver. You should have car insurance quotes for first-time drivers. You can compare the car insurance quote to get the best rate. Since it is your first time, you can get a list of the best car insurance quotes for first-time drivers here.

What is a Car Insurance Quote?

A car insurance quote is an estimated cost of insurance that you will pay monthly for the car insurance. The estimated cost is based on the coverage that you want and the specification of the car that you have. Before having the car insurance quote, you should get familiar with your car to get the best coverage.

As a first-time driver, it will be confusing to find the best insurance for your car. The initial action to accomplish is finding a credible company that provides a free insurance quote so you can easily find the best coverage and cost for your car. 

With the quote, you can arrange your fund management for a month. If the cost doesn’t fit you financially, you can make some adjustments to the insurance policy you will take. Some companies provide options for the customer to give them the best policy for their car and their financial situation.

Documents to Prepare to Get the Best Car Insurance Quotes for First-Time Drivers

You are a first-time driver, so you should know what things to prepare before getting the car insurance quote. Here is a list of some documents that you need to prepare.

1. Personal Information 

You should prepare some personal information about yourself, such as full name, date of birth, and address. The most important thing is you need to provide a social security number because most companies conduct a credit score to calculate the insurance policy.

Besides that, you also need to provide your driver’s license to verify your ability to drive and give the insurance companies access to review your driving history.

2. Driving History

In this document, you should answer some questions regarding your driving history. The insurance companies need information about the tickets or citations, at-fault accidents, and any other information about license suspension.

The company only needs the information for the last three to five years. Since you are a first-time driver, there will be a higher chance that you don’t get any trouble for your driving history.

3. Vehicle Information 

Besides your personal information, the company also needs your car information. You should fill out a form with your car information, including the year and the model of the car. You also need to provide your vehicle identification number that is printed inside your car.

Additionally, you must provide vehicle mileage, the address where you park your car, the name of the registered owner, and the date of purchase. In order to qualify for a discount, you need information about the safety and security features that your car has, for instance, anti-theft devices, airbags, and other things. 

4. Banking Information

To buy an insurance policy, you should provide payment information. You may provide credit card or bank information to make an automatic payment to prevent missed payments in the future.

5. Additional Document to Qualify a Discount

If you want to get a discount, you should provide some additional information. Those documents include a good grade with a report card, military ID card, homeowner document, membership, or completion certificate of driving course.

5 Best Car Insurance Quotes for First-Time Drivers

After preparing all the needed documents, you can choose the best car insurance quote for first-time drivers to compare. Here is a list of the best car insurance for first-time drivers. 

1. State Farm

State Farm is one of the cheapest and best car insurance quotes for first-time drivers. For the full coverage, It only costs $1,533 per year, which makes it only $270 per month. This rate is 66% lower than the average car insurance quote.

The full coverage includes comprehensive and collision coverage, which will pay you to repair the car if in the future you get into an accident.

2.  Allstate

Allstate provides you with the cheapest cost with minimum coverage. The company charges you $395 per year. However, you should understand that the coverage that you will get is not full-coverage, which has some limitations in the policy that you will get.

3. Erie 

Erie is one of the best car insurance quotes for first-time drivers. Parents of first-time drivers will like Erie because of their offer and one of the top grades for the collision and repair claims process. 

The company will cost you around $1,594 a year. Furthermore, the cost may be higher than the average for parents with bad credit history.


USAA provides an additional charge with the minimum cost if you are a parent and want to add your child to car insurance. However, you should be a member of the military, a veteran, or a family member to get the car insurance quotes.

It only costs $2,036 annually for the addition of a first-time driver. They offer accident forgiveness and new car replacement features, for those families with a first-time driver. Luckily, military member would benefit from purchasing a car insurance from USAA. 

5. American Family

American Family offers a good rate for a family with a first-time driver. This company is the top rated with a minimum complaint about their insurance and offers many options for car coverage.

It costs $2,084 a year. Unfortunately, this low rate is only available for parents who have a clean driving record. Additionally, you can only find this company in 19 states.

Decide Your Best Car Insurance Quotes For First Time Drivers Now!

After acknowledging the best car insurance quotes, you can calculate your needs and find the one that meets your criteria and financial situation. As a first-time driver, you may need some guidance from your parents or advisor to get the best car insurance quotes for first-time drivers. So, choose the one you prefer and sign up!