Car Insurance by State

In most states, insurers use a credit-based insurance score as one rating factor, so having thin or no credit can lead to higher premiums than a driver with strong credit. California, Hawaii, Massachusetts, and Michigan restrict or ban this practice. Building credit over time can help lower your rate at renewal.

A policy generally requires your personal information and consent, and doing so without authorization is insurance fraud. If you believe a policy was opened in your name, contact the insurer, your state insurance department, and consider a credit freeze to protect your identity.

Safe, moderately priced vehicles with strong safety ratings and modest horsepower — such as a used midsize sedan or small SUV — are usually cheapest to insure for a teen. Avoid sports cars and high-horsepower trims, which raise premiums significantly.

Raise your deductible, ask about every discount you qualify for, bundle policies, maintain a clean record, and comparison shop at each renewal. A usage-based program can also reward safe driving. Compare quotes side by side before you decide.

In most cases coverage primarily follows the vehicle, so a permitted driver is generally covered when driving your insured car. Liability can also follow the at-fault driver in some situations. Always check your specific policy for permissive-use rules.