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How Long are You Considered a NEW Driver?

parent instructing teenage daughter how to drive

Luckily, only until you get behind the wheel. But it’s not quite that easy! Every driver needs the right insurance, but do you know where to start when you first begin driving? You most likely need new driver auto insurance, but this topic can be confusing to new drivers and veteran drivers alike. 

If you get the wrong insurance, you might end up paying too much or not having enough coverage. Keep reading to learn everything you need to know about new driver auto insurance before you get behind the wheel. 

What is New Driver Auto Insurance? 

Our guide is going to help you learn important details about new driver auto insurance. First, though, we need to answer the most basic question: what is new driver auto insurance, exactly? 

Strictly speaking, “new driver auto insurance” is not its own separate type of coverage. Instead, this refers to insurance for new and inexperienced drivers. This insurance is typically more expensive than average due to the young age of most new drivers. 

What is the average cost of car insurance? Nationwide, the monthly average cost is $134.16 for full coverage insurance. But you may pay more or less in certain states due to various factors, including your age. 

For example, the monthly average cost of full coverage car insurance in Orlando, FL is $177 for a male in his 30s. But a 16-year-old driver in that city pays a monthly average of $721 for their full coverage auto insurance. So, you can see that your premium will go down as you get older and gain more experience. 

No matter how long you’ve been driving, it’s important to know ways to lower your premium

young teenage girl putting on her seat belt in drivers seat of car

How Long is Someone Considered a New Driver? 

Now you know that new drivers tend to pay more for automobile insurance. This probably has you asking how long someone is considered a new driver. At this point, we have some good news and some bad news. 

The good news is that someone is only considered a “new driver” while you have no driving history. So as soon as you begin driving, you are no longer considered a new driver. 

The bad news, though, is that you simply go from “new driver” to “inexperienced driver” in the eyes of your insurance carrier. And you’re still going to pay more for auto insurance as long as you are considered inexperienced. 

How Long is Someone Considered an Inexperienced Driver? 

That leads us directly to the next question: how long is someone considered an inexperienced driver? Unfortunately, the honest answer to this question is, “it depends on your insurance carrier.” 

Generally speaking, insurance carriers will measure your experience in terms of either your age or your time driving. So if your insurance carrier goes by age, you will likely be considered inexperienced (and paying higher prices for coverage) until you are in your early 20’s. 

If your insurance carrier goes by driving experience, you may be considered inexperienced until you have driven for at least three years. Some carriers consider you inexperienced for far longer, though, so make sure to contact your carrier and ask so you can get a direct answer. 

The Importance of Avoiding Accidents for New and Inexperienced Drivers 

Obviously, all drivers should avoid accidents whenever possible. But it is particularly important to drive safely and avoid accidents when you are a new or inexperienced driver. 

That’s because your insurance rates always go up after an accident. And for newer drivers, an accident will likely cause you to pay higher rates for at least three years. Considering that you are already paying a higher rate for being a newer driver, this can cause your rate to really skyrocket. 

The Challenge of Finding the Right Insurance 

As we noted above, you are likely to pay a higher rate for several years when you are a newer driver. And that rate will stay high as long as you are considered “inexperienced,” regardless of how safe your driving record is. 

If you want to get a better rate, the answer is simple: you need to shop around and get quotes from a variety of different carriers. This gives you enough comparison information to ensure you are getting the best possible deal. 

Most drivers pay for insurance by the month, which means you don’t have to wait to switch to a different carrier and start paying a lower rate. And since you will be considered an inexperienced driver for several years, switching carriers can help you save hundreds or even thousands of dollars over time. 

Get the Best New Driver Auto Insurance Today! 

Now you know how long you are considered a new driver. But do you know where drivers of all experience levels can get the best car insurance? 

You may qualify to pay below the average cost of car insurance. Freeway Insurance offers the best new driver auto insurance and every type of coverage you may need. We can easily get you started with a quote online. But if you’d rather visit in person, you can always come to one of our local offices. Or, if you’d rather just use the telephone, you can always call us at (800) 777-5620 for a quote today! 

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