It's challenging to find affordable car insurance as a young driver, especially if you are under 25. However, there are some steps you can take to reduce your premiums: Shop around: Compare quotes from multiple insurance companies to find the best deal. Consider a usage-based insurance program: Some insurance companies offer pay-as-you-go or usage-based insurance programs that can be more affordable for young drivers. These programs track your driving habits, such as how far you drive and how safely you drive, and use this information to set your premiums. Get a higher deductible: A higher deductible means that you'll have to pay more out of pocket if you have an accident, but it can also lower your premiums. Take a defensive driving course: Some insurance companies offer discounts to drivers who have completed a defensive driving course. Don't buy more coverage than you need: While it's important to have sufficient coverage, you don't want to pay for more than you need. Consider your individual circumstances and only purchase the coverage that makes sense for you. Join your parents' policy: If you are under 25 and still living at home, you may be able to join your parents' car insurance policy and save money on your premiums. Consider a less expensive car: The type of car you drive can affect your insurance premiums. Choosing a more modest and less expensive car can help lower your premiums.