Can Young Drivers Get Car Insurance Without a Cosigner?
Yes, young drivers under 21 can get car insurance without a cosigner—but there are some important things to understand. Unlike auto loans, car insurance doesn’t require a cosigner in the traditional sense. However, if you’re under 18 in Pennsylvania, a parent or guardian may need to co-sign or give permission to enter into a contract. Once you’re 18 or older, you can legally purchase your own policy. That said, finding cheap car insurance for new drivers under 21 can be a challenge if you’re going solo.
Since you don’t have much driving history, insurers view you as higher risk—which means higher rates. But there are ways to cut those costs: choose a car that's inexpensive to insure, complete a defensive driving course, maintain good grades, and consider usage-based insurance programs.
Even without a cosigner, many young drivers can still qualify for affordable coverage if they shop around and take advantage of available discounts.
