This is going to be a life changer. We, as an agency, recognize that not all insurance companies like young drivers — and their prices will reflect that. If you are in the process of adding a young driver, let us know as soon as possible. We’ll start shopping for you, and you can follow these four steps.

Tip from Tom: You will not be charged for your young driver until they are fully licensed. 

Affordable Car Insurance for Young Drivers in St. Louis MO

Step One: Understand Pricing For Young Drivers

The young drivers will have meshed into the entire family’s pricing, and all of your cars will be surcharged for your young driver.

  • You will be doing your child a huge favor by putting him/her on the family policy.
    • If a young driver tried to obtain coverage on their own, the price would easily triple. (Talk about a parental bargaining chip!)

High-Value Auto Insurance

Step Two: Protect the Driving Privilege

If your young driver gets out of line, you can tell them to find their own policy. Make sure your young driver recognizes that it’s a privilege to be added to the family policy. This privilege can be protected with:

  • A clear driving record
  • Avoiding small claims (Call us and we’ll give you confidential advice.)
  • “Fixing” traffic violations (Your Junior or Princess should pay for the fix.)
Tip from Tom: My snowflake earned himself frequent flyer miles at the Traffic Law Center. For reference, it will cost about $200 to get a normal speeding ticket eliminated. You will save back your expenditure within three years.

Step Three: Teach the Rules of the Road

Another thing you can do to help your young driver is to teach them about ticket avoidance. Make sure they know all the tricks. What a flashing headlight means. What it means when the traffic slows down.

Step Four: Achieve the “Good Student Discount”

This is the biggest credit a young driver can earn, and it’s a substantial discount. They have to maintain a  B or 3.0 grade average. (Another parental bargaining chip!) The insurance companies will ask for a new report card at every renewal date.
We quote a lot of young drivers.
Let us personalize your policy today.

Learn more about factors that affect your car insurance rates here. 

Adding Young Drivers To Your Policy FAQs

Can I Insure My 21 Year Old?

As a 21-year-old, you have the benefit of being a little older, and may start to see your car insurance premiums decrease compared to a newly licensed teen driver. By shopping around with different insurance carriers, it's possible to find competitive car insurance as a 21-year-old

Is Insurance Cheaper Once You Are 25?

In general, younger drivers tend to pay more for car insurance—but once you reach the age of 25, the cost of your insurance policy can drop. According to, the average annual premium for a 24-year-old male with full coverage is $2,273. At age 25, that average drops to $1,989, a decrease of about 12.5%.

Which Car Insurance Is Best For 18 Year Olds?

- State Farm's Steer Clear® Program. - Liberty Mutual's RightTrack® Program. - Liberty Mutual: Best For Teens. - State Farm: Best For Students. - Geico: Best Overall. - Progressive: Best For High-Risk Drivers.

Is Car Insurance Cheaper When You're 21?

People under the age of 25 are statistically more likely to have an accident, but even so, each company handles age and insurance prices differently. There's no rule that says car insurance will decrease substantially once you hit age 21, or even once you hit age 25.

How Much Is Average Car Insurance?

Drivers in the U.S. pay an average of $1,655 per year for full coverage car insurance, or about $138 per month, according to Bankrate's analysis of 2022 average quoted premiums from Quadrant Information Services. Minimum coverage costs an average of $480 per year.

Contact Insurance Advisors Of St. Louis Today!