Auto Insurance Guides by Driver Type
Find information tailored to your specific situation — whether you're a new driver, senior, high-risk, or have had incidents on your record.
Teen Drivers (16-19)
Insurance costs, discounts, and coverage options for teenage drivers.
Read GuideNew Drivers
Getting first insurance as a new driver of any age.
Read GuideHigh-Risk Drivers
Options and strategies if you're classified as high-risk.
Read GuideSenior Drivers (55+)
How aging affects insurance and available senior discounts.
Read GuideYoung Drivers (20-25)
Options for drivers past teen rates but still facing elevated premiums.
Read GuideAfter an Accident
How at-fault accidents affect premiums and what to do next.
Read GuideSpeeding Tickets
Impact of tickets on insurance and mitigation strategies.
Read GuideDUI/DWI Insurance
Finding coverage after a DUI conviction, SR-22/FR-44 requirements.
Read GuideSR-22 / FR-44 Filings
What SR-22 means, when required, how to get it filed.
Read GuideLow-Mileage Drivers
Options and discounts for drivers who put fewer miles on their vehicle.
Read GuideRideshare Drivers
Special considerations for Uber, Lyft, and gig workers.
Read GuideMilitary Personnel
Insurance options, deployment handling, and military-specific discounts.
Read GuideCollege Students
Student discounts, staying on parents' policy, and school-related considerations.
Read GuideBad Credit & Insurance
How credit score affects rates and strategies to improve your situation.
Read GuideHow Your Profile Affects Insurance Costs
| Driver Category | Cost vs. Average | Key Factor |
|---|---|---|
| Teen Driver | ~80% higher | Lack of experience |
| New Driver | ~35% higher | No established history |
| After 1 Accident | ~45% higher | At-fault claim on record |
| After DUI | ~150%+ higher | Major violation + SR-22 |
| Senior (65+) | Slightly lower or similar | Experience offsetting age risk |
| Clean Record, 30s | Baseline/Lowest | Ideal risk profile |
* These are illustrative multipliers. Use our cost calculator for personalized estimates.