Guide to Car Insurance for 21 Year Olds

July 1, 2013

Car insurance for 21 year olds can frankly, be expensive. Twenty-one is still considered a high risk age group. Twenty-one year olds are still young, impulsive, and, statistically, are involved in more auto accidents than older age groups. Also, at the age of 21, people can buy alcohol legally, and 21 year olds are more likely to drive to and from bars. This increases the number of drunk driving related tickets and auto accidents. For these reasons, it can be difficult for 21 year old drivers to get low rates on their car insurance. However, there are many things that 21 year olds can do to get better rates on their car insurance.

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A Good Driving Record is Golden

By the time most drivers are 21 years old, they have been driving for five years. This means they have had five years to build a good driving record. If your record is clean--no traffic tickets and no accidents--you have a much better chance of getting a better rate on your car insurance. This is true for any age group. So by practicing defensive driving and avoiding unnecessary risks, you can save yourself a lot of money.

Girls Get Better Rates

Women are, statistically, safer drivers than men, and thus female 21 year olds will get better car insurance rates than their male counterparts.

Keep Your Credit Clean

A good credit score can also help 21-year-olds get good rates on car insurance. Paying your bills on time will prove to insurance companies you are responsible, and therefore a good risk.

Twenty-one year olds may have a harder time getting good rates on auto insurance, but the situation is not hopeless. By maintaining a good driving record and paying their bills on time, 21 year olds can improve their car insurance rates.