If you’ve recently gotten your driver’s license — or you’re a parent watching your teenager get theirs — there’s one number that’s probably come as a genuine shock: the car insurance premium.
For young drivers in the United States, car insurance isn’t just expensive. It’s often extraordinarily expensive. A 16-year-old added to a family policy can push the annual premium up by $2,000 or more. A 20-year-old shopping for their own policy might find quotes that rival their monthly rent. And unlike most financial frustrations that have an obvious fix, this one feels stubbornly out of your control.
But here’s the thing — it’s not entirely out of your control.
Yes, young drivers pay more. That’s a statistical reality that insurance companies aren’t going to budge on. But there’s a significant spread between what the most expensive insurers charge and what the cheapest car insurance companies in the USA offer to the exact same driver. The difference between choosing wisely and choosing blindly can be hundreds — sometimes over a thousand — dollars per year.
This guide is built specifically for young drivers and their families. We’ll explain exactly why rates are so high, break down the types of coverage you actually need, compare the top 10 cheapest car insurance companies for young drivers in 2026, and give you a real roadmap for driving those premiums down. Let’s get into it.
Why Is Car Insurance So Expensive for Young Drivers?
Before we talk solutions, it helps to understand what you’re up against — and why every insurer seems to reach for the same playbook when a 17-year-old walks in the door.
The Statistics Are Working Against You
Insurance is fundamentally a numbers game. Insurers set premiums based on the statistical likelihood that a given driver will file a claim — and for young drivers, those statistics are genuinely alarming.
According to the National Highway Traffic Safety Administration (NHTSA), drivers aged 16–24 are involved in a disproportionately high share of traffic fatalities relative to their share of total licensed drivers. Teen drivers between 16 and 19 are nearly three times more likely to be involved in a fatal crash than drivers aged 20 and older.
The reasons aren’t mysterious: inexperience, risk-taking behavior, distraction (particularly smartphones), and lower seat belt compliance all contribute to the elevated accident rate among young drivers.
No Driving History Means Higher Risk Ratings
Insurance companies rely heavily on your driving record to price your policy. A 40-year-old with 20 years of clean driving history is, statistically, a safe bet. A 17-year-old with eight months of driving experience is a complete unknown — and insurers price that uncertainty conservatively.
Credit Scores Play a Role in Most States
In most U.S. states, insurers use your credit score as one input in calculating your premium. Young drivers typically have thin or nonexistent credit histories, which can push rates higher even when their actual driving record is spotless. (California, Hawaii, Massachusetts, and Michigan prohibit the use of credit scores in auto insurance pricing.)
The Good News
Here’s the upside: both of these factors improve over time. Every year of clean driving experience lowers your statistical risk profile. Building credit history lowers that input. And in the meantime, smart shopping and targeted discounts can substantially offset the youth penalty. The gap between your current premium and what you’ll pay at 25 with a clean record is real — but it’s also bridgeable.
Types of Car Insurance Coverage in the USA
Understanding what you’re actually buying is essential before you can compare quotes intelligently. Here’s a plain-English breakdown of the main coverage types.
Liability Insurance (Required in Almost Every State)
Liability coverage pays for damage and injuries you cause to other people in an accident. It’s broken into two components:
- Bodily Injury Liability — Covers medical expenses, lost wages, and legal costs for people you injure
- Property Damage Liability — Covers damage you cause to other vehicles or property
Every state except New Hampshire requires some minimum level of liability coverage. Minimum coverage car insurance in the USA varies by state — common minimums look like 25/50/25 (meaning $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage).
Collision Coverage
Pays for damage to your own vehicle after an accident — whether you hit another car, a guardrail, or a telephone pole — regardless of fault.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events: theft, vandalism, fire, flooding, hail, and striking an animal. Often called “other than collision” coverage.
Full Coverage vs. Minimum Coverage
This is one of the most important decisions young drivers face.
Minimum coverage satisfies your state’s legal requirement but leaves your own vehicle and medical expenses unprotected. It’s significantly cheaper — but if your car is totaled in a crash you caused, you’re paying out of pocket.
Full coverage typically means liability + collision + comprehensive, and is often required if your vehicle is financed or leased. It’s substantially more expensive but provides comprehensive financial protection.
The general rule: If your car is worth less than three to four times the annual cost of adding collision and comprehensive, minimum coverage may be more cost-effective. If your car is newer, financed, or worth $15,000+, full coverage is almost always the smarter financial choice.
Average Cost of Car Insurance for Young Drivers in the USA (2026)
Let’s look at real numbers, because the range is wide and understanding it helps you evaluate quotes.
| Driver Profile | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| 16-year-old (added to parents’ policy) | $3,200 – $4,500 | $267 – $375 |
| 16-year-old (own policy) | $6,500 – $9,000 | $542 – $750 |
| 18-year-old (own policy) | $4,200 – $6,000 | $350 – $500 |
| 20-year-old (own policy) | $2,800 – $4,200 | $233 – $350 |
| 25-year-old (own policy) | $1,500 – $2,200 | $125 – $183 |
Note: Figures represent national averages for full coverage. Rates vary significantly by state, city, driving record, vehicle type, and insurer.
Key factors that affect your premium as a young driver:
- Age — The biggest factor; rates drop meaningfully at 19, 21, and especially at 25
- Location — Urban areas command higher premiums than rural areas; state regulations matter enormously
- Vehicle type — Sports cars and high-performance vehicles cost significantly more to insure
- Annual mileage — Lower mileage drivers often pay less
- Coverage level — Full coverage costs 2–3x more than minimum liability
- Driving record — A single at-fault accident or speeding ticket can raise premiums 20–40%
- Credit score — Thin credit history pushes rates higher in most states
Top 10 Cheapest Car Insurance Companies for Young Drivers (2026)
The companies below consistently rank among the most affordable for young drivers nationally. Actual rates vary by state and individual profile — always compare quotes directly — but these are your best starting points.
1. GEICO
Best For: Overall Cheapest Rates + Digital Convenience
GEICO is consistently the first name that comes up when discussing cheap auto insurance in the USA — and for good reason. For young drivers, GEICO frequently offers the lowest or near-lowest base rates nationally, combined with a standout digital experience and a wide range of discounts.
Average Annual Premium for Young Drivers: $1,800 – $2,800 (full coverage; varies significantly by state)
Key Discounts Available:
- Good Student Discount (up to 15% for a B average or better)
- Driver’s Education Discount (for completing an approved course)
- Defensive Driving Discount
- Multi-policy discount (bundle with renters or homeowners insurance)
- Federal employee and military discounts
Pros:
- Consistently among the lowest rates for young drivers nationally
- Excellent mobile app and fully digital policy management
- Fast, straightforward online quote process
- Available in all 50 states
- A+ financial strength rating from AM Best
Cons:
- Limited local agent network — primarily digital and phone-based
- Customer service during claims can be inconsistent
- Rates for high-risk young drivers (with accidents or tickets) are less competitive
Best For: Tech-comfortable young drivers looking for low base premiums with no-frills digital service and a quick quote process.
2. State Farm
Best For: Young Drivers Who Want Local Agent Support
State Farm is the largest auto insurer in the United States by market share — and their Steer Clear program makes them particularly compelling for drivers under 25. Completing Steer Clear (a driver training app with monitored driving) can unlock meaningful discounts while simultaneously building safe driving habits.
Average Annual Premium for Young Drivers: $1,900 – $3,100 (full coverage)
Key Discounts Available:
- Steer Clear Program (significant discount upon completion for drivers under 25)
- Good Student Discount (up to 25% — one of the highest in the industry)
- Driver Training Discount
- Multi-car discount
- Accident-Free Discount
Pros:
- Extensive local agent network across all 50 states — ideal for first-time buyers who want face-to-face guidance
- Steer Clear program is genuinely useful for building safe habits and earning discounts simultaneously
- One of the highest good student discounts available
- Strong financial stability and claims handling reputation
- Bundling options with life and renters insurance
Cons:
- Base rates without discounts can be higher than GEICO
- Steer Clear discount requires completing the program, which takes time
- Online quote and management tools lag behind GEICO and Progressive
Best For: Young drivers — particularly students — who want the reassurance of a local agent and are willing to engage with the Steer Clear program to earn substantial discounts.
3. Progressive
Best For: Young Drivers with Less-Than-Perfect Records
Progressive has carved out a strong reputation for insuring drivers that other companies view as higher risk — including young drivers with a ticket or minor accident on their record. Their Snapshot telematics program rewards actual safe driving behavior rather than relying purely on demographic factors, which can be a major advantage for young drivers who drive responsibly.
Average Annual Premium for Young Drivers: $2,100 – $3,400 (full coverage)
Key Discounts Available:
- Snapshot (usage-based program — can save up to 30% based on actual driving behavior)
- Good Student Discount
- Distant Student Discount (for college students living away from home without a car)
- Multi-policy and multi-vehicle discounts
- Continuous Insurance Discount (for maintaining uninterrupted coverage)
Pros:
- Snapshot telematics rewards safe driving — young drivers who drive carefully can earn significant savings
- More willing to insure drivers with minor violations than many competitors
- Name Your Price tool helps you find coverage that fits a specific budget
- Strong online tools and price comparison functionality
- Available in all 50 states
Cons:
- Base rates before discounts tend to be higher than GEICO
- Snapshot can increase your premium if driving data reflects poor habits (hard braking, late-night driving)
- Customer satisfaction scores are mixed compared to top-rated competitors
Best For: Young drivers with a minor ticket or accident on their record, or responsible drivers willing to use telematics to prove their habits and earn above-average discounts.
4. Nationwide
Best For: Usage-Based Insurance for Low-Mileage Young Drivers
Nationwide’s SmartRide telematics program and SmartMiles pay-per-mile option make them a standout choice for young drivers who don’t rack up high annual mileage — such as college students who primarily use a car on weekends or during school breaks.
Average Annual Premium for Young Drivers: $2,000 – $3,200 (full coverage)
Key Discounts Available:
- SmartRide (usage-based; up to 40% discount for safe driving data)
- SmartMiles (pay-per-mile plan — ideal for low-mileage drivers)
- Good Student Discount
- Accident-Free Discount
- Multi-policy discount
Pros:
- SmartMiles pay-per-mile is genuinely disruptive for young drivers who rarely use their car
- Among the highest potential discount percentages through SmartRide
- Good bundling options with renters insurance
- Solid claims satisfaction ratings
- Available in most states
Cons:
- Not available in all states (limited in some markets)
- Base rates without telematics engagement are unimpressive
- SmartMiles may not suit drivers with unpredictable or high mileage needs
Best For: College students or young adults who drive less than 8,000 miles per year and are willing to use a telematics device to unlock pay-per-mile or behavioral savings.
5. Travelers
Best For: Young Drivers Bundling Multiple Policies
Travelers is a consistently underrated option for young drivers — particularly those who can bundle auto with renters insurance (a common combination for young adults living in apartments). Their bundling discounts are among the most generous available, and their base rates for young drivers are competitive in most markets.
Average Annual Premium for Young Drivers: $1,950 – $3,000 (full coverage)
Key Discounts Available:
- Good Student Discount
- Multi-policy discount (auto + renters is a particularly accessible bundle for young adults)
- Driver Training Discount
- Early Quote Discount (for getting a quote before your current policy expires)
- Continuous Insurance Discount
Pros:
- Strong multi-policy bundling discounts — especially auto + renters
- Competitive base rates in most states
- Highly rated for financial stability (A++ from AM Best)
- IntelliDrive telematics program available for additional savings
- Good coverage customization options
Cons:
- Not as widely available as GEICO or State Farm in all markets
- Good Student Discount is less generous than State Farm’s offering
- Digital tools and mobile app are less polished than industry leaders
Best For: Young adults living independently who want to bundle renters and auto insurance and benefit from meaningful multi-policy discounts.
6. USAA
Best For: Military Families — Unbeatable Rates
If you or a parent is an active duty military member, veteran, or eligible family member, USAA is almost certainly your best option — full stop. USAA consistently offers the lowest premiums of any major national insurer for young drivers, combined with exceptional customer service and claims handling that routinely tops industry surveys.
Average Annual Premium for Young Drivers: $1,400 – $2,400 (full coverage — significantly below national average)
Key Discounts Available:
- Good Student Discount
- Driver Training Discount
- Safe Driver Discount
- Garaging Discount (for vehicles stored on a military base)
- Multi-vehicle and multi-policy discounts
Pros:
- Consistently the lowest average premiums for eligible young drivers nationally
- #1 or #2 in virtually every customer satisfaction survey in the industry
- Outstanding claims handling reputation
- Financial strength rating of A++ from AM Best
- Excellent digital tools and mobile app
Cons:
- Eligibility is restricted to military members, veterans, and their immediate families
- Not available to the general public
Best For: Any young driver whose parent or guardian is a current or former U.S. military member. If you’re eligible, this should be your first call.
7. Erie Insurance
Best For: Affordable Full Coverage in Available States
Erie Insurance is a regional carrier operating in 12 states plus Washington D.C. (primarily in the Midwest and Northeast), but in the markets where they operate, they consistently offer some of the most competitive full coverage rates for young drivers anywhere in the industry.
Average Annual Premium for Young Drivers: $1,700 – $2,700 (full coverage — highly competitive in available markets)
Key Discounts Available:
- Good Student Discount
- Driver Training Discount
- Youthful Driver Discount (for students away at school without regular access to the vehicle)
- Multi-policy and multi-car discounts
- First Accident Forgiveness (included in most policies)
Pros:
- Exceptionally competitive rates in available states
- First Accident Forgiveness included by default — a significant benefit for inexperienced drivers
- High customer satisfaction scores in J.D. Power regional surveys
- Local agent model with personalized service
- Rate Lock feature prevents premium increases unless you change your policy
Cons:
- Only available in 12 states + D.C. — not an option for most of the country
- Agent-only sales model means no online quoting in most cases
- Less advanced digital tools than national carriers
Best For: Young drivers in Erie’s coverage states (IL, IN, KY, MD, MN, NC, NY, OH, PA, TN, VA, WI + D.C.) who want outstanding value and built-in accident forgiveness.
8. Allstate
Best For: Comprehensive Discount Programs and Local Support
Allstate’s pricing for young drivers runs slightly higher than GEICO or State Farm in most markets, but their Drivewise telematics program and diverse discount catalog make them well worth including in your quote comparison — particularly if you can stack multiple discounts.
Average Annual Premium for Young Drivers: $2,300 – $3,700 (full coverage)
Key Discounts Available:
- Drivewise (telematics — up to 40% savings for safe driving behavior)
- Smart Student Discount (good grades + distance from home + driver training)
- New Car Discount
- Multi-policy discount
- Pay-in-full discount (paying annual premium upfront)
Pros:
- Drivewise has one of the highest potential discount ceilings available
- Smart Student Discount stacks multiple criteria for meaningful combined savings
- Strong local agent network across all 50 states
- Milewise pay-per-mile option for low-mileage drivers
- Solid coverage options and add-ons
Cons:
- Base rates without discounts are higher than most competitors
- Drivewise can raise rates if driving data is poor
- Customer satisfaction scores for claims handling are below industry leaders
Best For: Young drivers willing to use Drivewise actively and stack multiple discount eligibilities — the potential savings are among the highest in the industry if you drive safely.
9. American Family Insurance
Best For: Teen Drivers with Dedicated Young Driver Programs
American Family Insurance offers a KnowYourDrive telematics program and a solid young driver discount structure. They’re particularly strong in the Midwest and Mountain West states, and their Teen Safe Driver program (in partnership with LifeSaver) actively monitors and helps young drivers build better habits.
Average Annual Premium for Young Drivers: $2,100 – $3,200 (full coverage)
Key Discounts Available:
- KnowYourDrive (telematics — up to 20% savings)
- Good Student Discount
- Teen Safe Driver program discount
- Multi-policy and multi-vehicle discounts
- Loyalty discount
Pros:
- Teen Safe Driver program is a genuinely useful safety tool, not just a discount mechanism
- Competitive rates in available states
- Strong bundling discounts with home or renters insurance
- Solid customer service reputation
- Good coverage options and customization
Cons:
- Available in only 19 states — primarily Midwest and Mountain West
- KnowYourDrive discount ceiling is lower than competitors like Drivewise or Snapshot
- Less name recognition can make some buyers uncertain
Best For: Young drivers and their families in American Family’s service states who want a safety-forward approach to discounts and meaningful parental oversight tools.
10. Farmers Insurance
Best For: Young Drivers Seeking Customizable Coverage Options
Farmers rounds out our top 10 with a strong customization toolkit and a signal discount that stands out: their Signal by Farmers telematics program rewards safe driving and is one of the more straightforward apps in the usage-based insurance space. Farmers also offers the widest range of coverage add-ons of any carrier on this list, making them ideal for young drivers who want to tailor their protection precisely.
Average Annual Premium for Young Drivers: $2,400 – $3,600 (full coverage)
Key Discounts Available:
- Signal by Farmers (telematics — up to 15% just for enrolling; more for safe driving)
- Good Student Discount
- Multi-car and multi-policy discounts
- Driver Training Discount
- Alternative Energy Vehicle Discount
Pros:
- Signal program rewards enrollment immediately — useful for young drivers just starting out
- Highly customizable coverage with strong add-on options (new car replacement, rideshare coverage, etc.)
- Available in most states through a network of local agents
- Good bundling options with renters and life insurance
Cons:
- Base rates are among the higher end of this list
- Not available in all states (limited in some markets)
- Signal discount ceiling is lower than Progressive Snapshot or Allstate Drivewise
- Mixed customer satisfaction scores for claims
Best For: Young drivers who want maximum control over their coverage structure and are interested in telematics but prefer a more hands-off program than some competitors offer.
Key Discounts Every Young Driver Should Know About
This deserves its own focus, because discounts are where young drivers can meaningfully bend the cost curve.
Good Student Discount — Most major insurers offer 10–25% off if you maintain a B average (3.0 GPA) or better. State Farm’s version is among the most generous in the industry at up to 25%. If you’re a student, this is non-negotiable — always ask.
Telematics / Usage-Based Programs — Snapshot (Progressive), Drivewise (Allstate), SmartRide (Nationwide), KnowYourDrive (American Family), and Steer Clear (State Farm) all reward safe driving behavior with real discounts. If you’re genuinely a careful driver, enrolling in these programs is almost always a financial win.
Driver Training and Defensive Driving Courses — Completing an approved driver education or defensive driving course earns a discount with virtually every major insurer and can also improve your actual driving skills. Courses typically cost $25–$75 and save far more than that annually.
Distant Student Discount — If you’re at college more than 100 miles from home without regular access to the family car, many insurers offer a significant discount on the family policy since the primary risk driver isn’t actually using the vehicle day-to-day.
Multi-Policy (Bundling) — Even as a young adult living independently, bundling a renters insurance policy with your auto insurance typically saves 5–15% on both. Renters insurance itself is extremely affordable (often $15–$25/month), making this a no-brainer.
Pay-in-Full Discount — Paying your annual or six-month premium upfront rather than monthly often earns a 5–10% discount. If you have the cash flow, it’s an easy win.
How to Get the Cheapest Car Insurance as a Young Driver
Get quotes from at least five different companies. Rates for the same driver can vary by 40–60% between insurers. There is no substitute for comparison shopping — use multiple platforms including the insurer’s own website, comparison tools like The Zebra or NerdWallet, and a licensed local agent.
Stay on your parents’ policy if possible. Adding a young driver to an existing family policy is almost always significantly cheaper than a standalone policy. The premium increase is real, but the base rate advantage of an established policy is substantial.
Choose your vehicle carefully. The car you drive has a massive impact on your premium. High-performance sports cars, luxury vehicles, and cars with poor safety ratings all command higher premiums. A safe, reliable sedan with strong safety ratings and modest market value is your best friend as a young driver trying to minimize insurance costs.
Maintain a perfect driving record. This sounds obvious — but a single speeding ticket can raise your premium 15–25%. An at-fault accident can raise it 30–50%. The behavioral discipline to drive carefully is also your single most powerful long-term insurance cost reduction strategy.
Raise your deductible strategically. Choosing a $1,000 deductible instead of $500 can lower your annual premium by $200–$400. The calculus: if you can comfortably cover a $1,000 deductible from savings in the event of a claim, the higher deductible almost always makes financial sense over time.
Common Mistakes Young Drivers Make When Buying Car Insurance
Shopping only on price and ignoring coverage quality. The cheapest policy is worthless if the insurer has a reputation for denying legitimate claims or making the claims process a nightmare. Always check the insurer’s AM Best financial strength rating and J.D. Power claims satisfaction score alongside the premium.
Not comparing enough quotes. Getting two quotes isn’t comparison shopping. The market is competitive enough that a fifth or sixth quote sometimes turns up a dramatically better offer from an insurer you hadn’t considered.
Assuming minimum coverage is always the right call. If your car is worth $18,000 and you only carry liability, a single at-fault accident where your car is totaled costs you $18,000 out of pocket. Do the math before defaulting to the legal minimum.
Forgetting to apply for every discount. Insurers don’t automatically apply every discount you qualify for — you have to ask. Always specifically request the good student discount, driver training discount, and any telematics enrollment at the time of purchase.
Not updating your policy when circumstances change. Did you move? Change your commute distance? Park in a garage now instead of the street? Each of these can affect your premium, and failing to update your policy means you might be paying for a risk profile that no longer matches your situation.
Frequently Asked Questions (FAQs)
What is the cheapest car insurance company for young drivers in the USA?
USAA consistently offers the lowest rates for eligible young drivers — but requires military family affiliation. For the general public, GEICO and State Farm typically offer the most competitive base rates nationally for young drivers. Erie Insurance offers exceptional value in its 12-state coverage area. The cheapest option for your specific profile depends on your state, vehicle, and driving record — which is why comparing at least five quotes is essential.
How can I reduce my car insurance cost as a student?
The most impactful steps are: staying on your parents’ policy if possible, maintaining a B-average GPA to qualify for the good student discount (up to 25% savings), enrolling in a telematics program to prove safe driving habits, completing a defensive driving course, and choosing a vehicle with good safety ratings and modest market value.
Is full coverage car insurance necessary for young drivers?
It depends on your vehicle. If your car is financed or leased, full coverage is typically required by the lender. If you own your vehicle outright, the decision depends on the car’s value — if the car is worth less than $5,000–$6,000, minimum liability may be more cost-effective. If your car is worth $12,000+, full coverage is strongly recommended for financial protection.
Which car insurance company is best for first-time drivers?
State Farm and GEICO are both excellent choices for first-time drivers. State Farm’s Steer Clear program specifically targets drivers under 25, offers one of the highest good student discounts in the industry, and provides access to local agents who can guide new insurance buyers through the process. GEICO’s digital experience and competitive base rates make it the better choice for tech-comfortable first-timers who are comfortable managing everything online.
How much does car insurance cost per month for a 16-year-old?
A 16-year-old added to a parents’ policy typically adds $200–$375 per month to the family premium in most states. A 16-year-old on their own standalone policy pays substantially more — often $500–$750 per month for full coverage. These figures vary significantly by state, vehicle, and insurer — urban areas like Los Angeles, New York, and Miami run considerably higher than national averages.
Do young drivers pay less for car insurance if they have good grades?
Yes. The good student discount is one of the most universally available and meaningful discounts for young drivers. Most major insurers — including State Farm, GEICO, Allstate, Nationwide, Progressive, and Travelers — offer 10–25% off for maintaining a B average or better. At scale, this can represent $300–$600 in annual savings.
Conclusion: Smart Shopping Saves Real Money
Being a young driver in the United States doesn’t mean accepting outrageously high car insurance premiums as an unavoidable fact of life. It means doing the work that most people skip — comparing quotes, stacking discounts, choosing the right vehicle, and driving with the discipline that both keeps you safe and builds the clean record that will reward you for years.
The 10 companies on this list represent your best starting point for affordable car insurance quotes in the USA in 2026. But “cheapest” isn’t always “best value.” An insurer that saves you $200 a year and then fights you over a legitimate claim isn’t actually saving you money — it’s setting you up for a much bigger financial headache down the road.
Here’s your action plan:
- Get at least five quotes using direct insurer websites and at least one comparison tool
- Apply for every discount you qualify for — especially good student and telematics programs
- Stay on your parents’ policy for as long as it makes financial sense
- Drive cleanly — your record is your most powerful long-term premium reduction tool
- Revisit and compare quotes annually — loyalty isn’t always rewarded, and the market changes
The combination of the right insurer, the right discounts, and the right driving habits can genuinely cut your premium by 30–50% compared to going with the first quote you receive. That’s real money — and it’s absolutely worth the few hours of comparison shopping it takes to find it.
Disclaimer: Premium estimates in this article are national averages based on publicly available industry data and may vary significantly by state, city, driving history, vehicle type, and individual insurer underwriting criteria. Always obtain personalized quotes directly from insurers before making a coverage decision. This article is for informational purposes only and does not constitute professional insurance advice.