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Questions Commonly Asked by New Drivers

Do I need insurance to drive my car?

Yes. State law says you must get at least the basic no-fault coverages. If you don't, you can be fined up to $500 and be put in jail for as long as a year.

Why do new drivers typically pay more insurance?

A driver's insurance rates are based on how likely they are to have an accident and/or have high-cost claims. Since young drivers usually have more crashes and expensive losses, they have higher insurance premiums.

I will be driving my parent’s car. Am I covered under their insurance?

In most cases, yes. Before you get behind the wheel, you must notify your insurance company or agent to update their policy and add you to their coverage.

How much can I expect to pay for insurance as a new drive?

Premiums are based on a variety of factors including: 

  • Age or years of driving experience 
  • Your driving record  
  • Number of miles you drive 
  • Type of car 
  • Where you live  

How can I keep my insurance rates low?

Here are ways you can help keep your rates as low as possible: 

  • Drive carefully
  • Cover fewer miles
  • Select higher deductibles
  • Consider the vehicle you're driving 

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