How car insurance works for newly licensed drivers—teens, young adults and adults learning later—and how to pay less for it.

Glossary term

Prior insurance

Prior insurance: Whether you were insured before the policy starts. Some insurers rate no prior insurance as a risk factor; others ignore it for newly licensed drivers.

Where this term matters

Guides and entries on this site that use the term.

Guide

Car Insurance for Adult New Drivers

Insurance for people who get their first licence at 25, 35 or 55: how inexperience is priced without the youth surcharge, and how to build a record fast.

Related terms

Continuous coverage

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