Best Car Insurance for a Restricted License in 2024 (Top 10 Companies)
Progressive, State Farm, and Allstate lead the pack for the best car insurance for a restricted license. Offering discounts of up to 30%, these leading insurers guarantee competitive prices and specialized solutions, making them ideal choices for individuals navigating with restricted driving privileges.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jul 16, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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These top companies understand the challenges of driving with a restricted license and provide solutions such as accident forgiveness programs and personalized service to ensure drivers can navigate confidently.
Our Top 10 Company Picks: Best Car Insurance for a Restricted License
| Company | Rank | Usage-Based Discount | Multi-Car Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | 10% | Flexible Rates | Progressive |
 | #2 | 30% | 20% | Personalized Service | State Farm |
 | #3 | 22% | 25% | Accident Forgiveness | Allstate |
 | #4 | 25% | 12% | Vehicle Replacement | Liberty Mutual |
 | #5 | 15% | 15% | Telematics Savings | Farmers |
 | #6 | $500 | 15% | Vanishing Deductible | Nationwide |
 | #7 | 20% | 8% | IntelliDrive Program | Travelers |
 | #8 | 20% | 15% | KnowYourDrive Program | American Family |
 | #9 | 10% | 10% | Online Convenience | Esurance |
 | #10 | 25% | 15% | High-Risk Coverage | The General |
Top providers focus on affordability and reliability, offering coverage suited for those with restricted licenses. Having a conditional driver’s license complicates insurance buying due to insurers’ caution, typically resulting in higher rates. However, maintaining a clean driving record and following license restrictions can reduce premiums over time.
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#1 – Progressive: Top Overall Pick
Pros
- Up to 30% Discount Available: Progressive offers a significant discount, enhancing affordability for policyholders.
- Up to 10% Additional Savings: Additional savings contribute to potential cost-effectiveness.
- Offers Flexible Rates: Progressive car insurance review highlights the company’s focus on flexibility, catering to diverse customer needs.
Cons
- Limited Information: Lack of detailed information may leave customers uncertain about additional perks.
- Rate Flexibility: Clarity about the degree of flexibility would improve customer understanding.
#2 – State Farm: Best for Personalized Service
Pros
- Up to 30% Discount Offered: State Farm provides a substantial discount for potential savings.
- Up to 20% Additional Savings: State Farm car insurance review showcases how additional savings enhance overall cost-effectiveness.
- Personalized Service: State Farm’s emphasis on personalized service aims to meet individual needs.
Cons
- Customized Care: Lack of elaboration on personalized service may leave customers wondering about the specifics.
- Conditional Savings: Clarity on conditions would improve transparency.
#3 – Allstate: Best for Accident Forgiveness
Pros
- Up to 22% Discount Available: Allstate offers a competitive discount for potential savings.
- Up to 25% Additional Savings: Dive into our Allstate car insurance review to learn how additional savings contribute to enhanced affordability.
- Accident Forgiveness: Allstate’s accident forgiveness program is a distinctive benefit.
Cons
- Details Unelaborated: Lack of detailed information may leave customers uncertain about the program.
- Accident Forgiveness Unclear: Additional details about unique features would provide a more comprehensive overview.
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#4 – Liberty Mutual: Best for Vehicle Replacement
Pros
- Up to 25% Discount Offered: Liberty Mutual provides a substantial discount for potential savings.
- Up to 12% Additional Savings: Liberty Mutual car insurance review emphasizes how extra discounts enhance overall affordability.
- Vehicle Replacement Benefit: Liberty Mutual’s vehicle replacement option adds a valuable dimension to coverage.
Cons
- Unclear Replacement Terms: Lack of information may leave customers uncertain about the practical aspects.
- Limited Feature Details: Additional details about unique features would enhance customer understanding.
#5 – Farmers: Best for Telematics Savings
Pros
- Up to 15% Discount Available: Explore our Farmers car insurance review to discover the competitive discount offered by Farmers for potential savings.
- Up to 15% Additional Savings: Additional savings contribute to enhanced affordability.
- Telematics-Driven Savings: Farmers’ telematics savings highlight a commitment to technology-driven advantages.
Cons
- Telematics Program Vagueness: Lack of detailed information may leave customers uncertain about the program.
- Limited Feature Details: Additional details about unique features would provide a more comprehensive overview.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- $500 Deductible Cut: Nationwide offers a potential reduction in deductible, contributing to financial benefits.
- Up to 15% Additional Savings: Check our Nationwide car insurance review to learn how additional savings contribute to enhanced cost-effectiveness.
- Vanishing Deductible Benefit: Nationwide’s vanishing deductible feature adds a unique dimension to the coverage.
Cons
- Vanishing Deductible Unclear: Lack of information may leave customers uncertain about the practical aspects.
- Limited Distinctive Benefits: Additional details about unique features would provide a more comprehensive overview.
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#7 – Travelers: Best for IntelliDrive Program
Pros
- Up to 20% Discount Offered: Travelers car insurance review showcases how Travelers provides a significant discount for potential savings.
- Up to 8% Additional Savings: Additional savings contribute to cost-effectiveness.
- IntelliDrive Smart Driving: Travelers’ IntelliDrive program suggests a focus on encouraging smart driving behavior.
Cons
- IntelliDrive Details Sparse: Lack of detailed information may leave customers uncertain about the program.
- Sparse Special Details: Additional details about unique features would provide a more comprehensive overview.
#8 – American Family: Best for KnowYourDrive Program
Pros
- Up to 20% Discount Available: American Family offers a competitive discount for potential savings.
- Up to 15% Additional Savings: For our American Family car insurance review, additional savings contribute to cost-effectiveness.
- Informed Driving Focus: American Family’s KnowYourDrive program highlights a commitment to informed driving.
Cons
- Program Details Lacking: Lack of detailed information may leave customers uncertain about the program.
- Sparse Feature Details: Additional details about unique features would provide a more comprehensive overview.
#9 – Esurance: Best for Online Convenience
Pros
- Up to 10% Discount Offered: Esurance provides a discount for potential savings.
- Up to 10% Additional Savings: Additional savings contribute to cost-effectiveness.
- Digital Customer Focus: Esurance car insurance quote allows customers to explore the company’s emphasis on online convenience for digital interactions.
Cons
- Online Features Unclear: Lack of detailed information may leave customers uncertain about the specific online features.
- Limited Aspect Details: Additional details about unique features would provide a more comprehensive overview.
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#10 – The General: Best for High-Risk Coverage
Pros
- Risk-Based Discounts: Delve into our The General car insurance review to explore variable discounts, ideal for high-risk drivers.
- Up to 15% Additional Savings: Additional savings enhance cost-effectiveness.
- High-Risk Insurance: The General’s specialization in high-risk coverage caters to a specific segment.
Cons
- No High-Risk Details: Lack of detailed information may leave customers uncertain about the coverage specifics.
- Sparse Feature Details: Additional details about unique features would provide a more comprehensive overview.
Companies With a Conditional License: Navigating the Coverage Rate Landscape
Securing monthly car insurance with a conditional license adds an additional layer of complexity for individuals facing driving restrictions due to various circumstances. Whether it’s a conditional or restricted license, finding affordable coverage becomes crucial.
Car Insurance Monthly Rates for a Restricted License by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $155 | $300 |
| American Family | $140 | $280 |
| Esurance | $150 | $290 |
| Farmers | $160 | $310 |
| Liberty Mutual | $170 | $350 |
| Nationwide | $150 | $290 |
| Progressive | $150 | $300 |
| State Farm | $160 | $320 |
| The General | $180 | $380 |
| Travelers | $160 | $330 |
The table presents average monthly car insurance rates for individuals with a conditional license, comparing minimum and full coverage. American Family and Nationwide offer cost-effective rates at $140 for minimum and $280-$290 for full coverage.
State Farm offers rates of $160 for minimum and $320 for full coverage, while The General charges $180 and $380, respectively. These rates highlight the need for individuals with restricted licenses to explore tailored insurance options, balancing cost and coverage requirements.
The table presents monthly car insurance rates for a restricted license, categorized by coverage level. It compares two types of coverages: minimum coverage and full coverage. For minimum coverage, the monthly rate is $100, while for full coverage, the rate increases to $200. This data allows individuals with restricted licenses to evaluate their insurance costs based on the level of coverage they choose.
Understanding Conditional Driver’s Licenses
A conditional driver’s license, also known as a provisional license, restricts the holder’s driving privileges. In cases of DWI or DWAI convictions, a suspended driver’s license can be replaced with a conditional license, allowing limited driving. This relates to car insurance for a provisional license and car insurance for drivers with a suspended license.
There are basically two types: one for new drivers and one for experienced drivers who are guilty of certain offenses. Where young drivers are concerned, many states place restrictions on brand-new license holders under the age of 21.
Progressive stands out as a leader with flexible coverage options and dynamic solutions for individuals with conditional licenses.
Dani Best Licensed Insurance Producer
This type of conditional license usually restricts the time of day such new drivers can operate a motor vehicle as well as who can be in the motor vehicle with them. This license is designed to mitigate the potential for accidents while new drivers are still honing their skills. A conditional license issued to experienced drivers is usually the result of serious traffic offenses such as DWI.
In many states, this conditional license will be classified as “business use only,” which would allow an individual to drive to and from work and possibly to and from church services. Any other driving would be considered illegal and grounds for arrest and prosecution. A conditional license is sometimes also issued for repeat speeding violations, reckless endangerment, hit and run, and the like.
Car Insurance Monthly Rates for Provisional License by Age, Gender, & Provider
| Insurance Company | 20-Year-Old Female | 20-Year-Old Male | 30-Year-Old Female | 30-Year-Old Male | 45-Year-Old Female | 45-Year-Old Male |
|---|---|---|---|---|---|---|
| AAA | $200 | $220 | $180 | $200 | $180 | $200 |
| Allstate | $220 | $240 | $200 | $220 | $200 | $220 |
| Esurance | $180 | $200 | $160 | $180 | $160 | $180 |
| Farmers | $210 | $230 | $190 | $210 | $190 | $210 |
| Liberty Mutual | $230 | $250 | $210 | $230 | $210 | $230 |
| Nationwide | $180 | $200 | $160 | $180 | $160 | $180 |
| Progressive | $190 | $210 | $170 | $190 | $170 | $190 |
| State Farm | $200 | $220 | $180 | $200 | $180 | $200 |
| Travelers | $190 | $210 | $170 | $190 | $170 | $190 |
| USAA | $150 | $170 | $140 | $160 | $140 | $160 |
Discover the dynamic range of car insurance rates for provisional licenses, categorized by age and gender, with competitive offerings from leading insurance providers. From Allstate to Progressive and State Farm, explore the table below to find rates as low as $140 from USAA to $250 from Liberty Mutual.
With a comprehensive summary of monthly insurance rates for provisional licenses, ranging from $140 with USAA to $250 with Liberty Mutual, make a well-informed decision that suits your needs and budget. Compare the offerings of top providers and secure the coverage that fits you best.
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Insurance Rates With Conditional License
Assuming you can find an insurance company willing to issue a policy, you will be categorized in the highest-risk driver pool, which carries the highest rates under car insurance for high-risk drivers. You’ll likely remain in this pool as long as the conditional license is in force. If securing a policy proves difficult, it may be possible to have your car registered and insured by a relative instead.
When conditional driver’s licenses are issued to new drivers, insurance rates don’t necessarily increase. However, adding a new driver to a parent’s policy will incur additional costs, simply because another driver is being added to the policy. This is an important consideration in car insurance for parents.
It’s also unlikely that receiving a full driver’s license at the appropriate age will cause a reduction in the rates for that child. Parents can expect the amount they pay for their child to remain the same while he lives at home and drive their cars.
Permissible Uses of a Conditional Driver’s License
With a conditional driver’s license, you’re allowed to commute to and from work, drive for job-related purposes during working hours, attend authorized alcohol and rehabilitation programs, and travel to and from accredited educational institutions. This aligns with understanding how occupation affects car insurance rates.
Additionally, you can use it to transport your children to and from care facilities or schools and for traveling to medical appointments or treatments. These specific allowances are outlined to ensure compliance with the conditions of your restricted license.
Case Studies: Empowering Individuals With Conditional Licenses
Explore how individuals with conditional licenses found tailored car insurance solutions to meet their needs. Discover dynamic coverage options, personalized service, and accident forgiveness programs that provided peace of mind on the road.
- Case Study #1 – Tailored Solutions: Lisa, with a conditional license, sought car insurance tailored to her needs. Progressive provided dynamic coverage with up to a 30% discount, boosting her confidence on the road.
- Case Study #2 – Personalized Service: John, navigating a conditional license, sought personalized service. State Farm, the leader, offered him up to a 30% discount and personalized attention, ensuring support and restoring peace of mind.
- Case Study #3 – Accident Forgiveness: Sarah, holding a conditional license, feared rising insurance premiums due to a past at-fault accident. Allstate’s car insurance after an at-fault accident program offered relief. With a 22% discount and an additional 25% savings, Sarah’s rates remained stable post-accident. Allstate’s commitment to accident forgiveness eased her financial worries.
These case studies demonstrate the importance of finding car insurance that fits individual circumstances, offering discounts and support to navigate challenges confidently.
Progressive emerges as the premier option, boasting an exceptional customer review score of 4.7 out of 5 stars, delivering unmatched coverage and cost savings.
Daniel Walker Licensed Insurance Agent
Whether it’s dynamic coverage, personalized attention, or accident forgiveness, finding the right insurance provider can make all the difference for drivers with conditional licenses.
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Navigating Conditional Driver’s License: Risks and Consequences
Conditional driver’s licenses are a serious matter, as violating their terms can lead to license suspension or revocation. This is particularly relevant for car insurance for drivers with a suspended license. While a suspended license may still allow insurance payments, revocation typically results in dropped coverage and canceled vehicle registration.
Reacquiring a license means starting over, but past violations can keep you in a high-risk pool with elevated insurance rates. Adhering to license restrictions is crucial for safety, as states prioritize ensuring safe driving. By obeying these restrictions, drivers can work towards regaining full driving privileges and lower insurance rates.
Finding the best car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Frequently Asked Questions
Can you get car insurance with a restricted license?
Yes, many insurance companies offer coverage for drivers with restricted licenses, although the rates may be higher.
Can you insure your license?
No, you cannot insure your license itself, but you can purchase car insurance to cover your vehicle and potential liabilities while driving.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool above to see affordable car insurance quotes.
How to get insurance on your driver’s license?
To get insurance on your driver’s license, contact insurance providers and inquire about policies designed for drivers with restricted or suspended licenses.
For further insights, refer to our extensive guide entitled “Cheap Car Insurance for Drivers With a Suspended License,” offering invaluable information
Can you rent a car with a conditional license?
Rental car companies typically require a valid driver’s license, so it may be challenging to rent a car with a conditional or restricted license.
Explore our comprehensive guide titled “Compare Rental Car Insurance: Rates, Discounts, & Requirements” for further information.
How to insure your license for driving?
You cannot directly insure your license, but you can purchase auto insurance to cover yourself and your vehicle while driving.
Can I buy a car with a restricted license?
Yes, you can buy a car with a restricted license, but you may face challenges in obtaining insurance and registration.
Refer to our comprehensive analysis titled “Do I need car insurance to register my car?” for a complete understanding, ensuring you have the necessary information.
What’s the best car insurance for a suspended license?
Several insurance companies offer coverage options for individuals with suspended licenses, but the rates may be higher.
How to get a conditional license?
Conditional licenses are typically granted by the DMV under specific circumstances, such as completing a DUI program or meeting other requirements.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
How much is insurance for a new driver with a restricted license?
Insurance rates for new drivers with restricted licenses vary depending on factors like age, driving record, and the insurance provider.
Explore our in-depth guide on “Average Car Insurance Rates by Age and Gender” for further insights and information.
Are there car insurance quotes for permit drivers?
Yes, insurance companies provide quotes for permit drivers, but the rates may be higher due to their lack of driving experience.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
