"What are some tips to get the cheapest possible car insurance for first-time drivers?"

**Age is a significant factor**: Insurance companies consider 18-year-old drivers to be high-risk, which increases premiums.

However, State Farm offers the cheapest rates for this age group, averaging $128 per month for minimum coverage.

**Location, location, location**: Where you live affects insurance rates.

For example, urban areas tend to have higher rates due to increased traffic and crime, whereas rural areas have lower rates.

**Coverage level matters**: The level of coverage you choose significantly impacts premiums.

Minimum coverage is cheaper, but full coverage (including comprehensive and collision) provides more protection but at a higher cost.

**Comparing quotes is crucial**: Shopping around and comparing quotes from multiple companies can save you up to 50% on premiums, as rates vary significantly between providers.

**Driving history is key**: A clean driving record can lead to lower premiums, while a history of accidents or tickets increases rates.

**Credit scores influence rates**: In most states, insurance companies can use credit scores to determine premiums, as research shows a correlation between credit scores and risk.

**Discounts can add up**: Many insurance companies offer discounts for good grades, defensive driving courses, or being a good student, which can reduce premiums by up to 25%.

**Multi-car discounts apply**: Insuring multiple vehicles under the same policy can lead to significant discounts, as it's seen as a lower risk for the insurer.

**Dropping unnecessary coverage saves money**: Consider dropping comprehensive and collision coverage on older vehicles, as the cost of repairs may be comparable to the premium cost.

**Insurance companies have different risk assessments**: Geico, USAA, Erie, and Nationwide are recognized for offering the best cheap car insurance for new drivers, but rates vary between providers, making comparison shopping essential.

**State Farm offers the cheapest liability-only car insurance**: For first-time drivers under 25 years old, State Farm provides the most affordable liability-only coverage.

**Annual mileage affects rates**: Low-mileage drivers can benefit from lower premiums, as they're considered lower-risk.