buying your teen a separate auto insurance policy. For most parents, this is option B for a simple reason: the cost of 2 separate policies is usually higher than the price of one plan for the whole family. Quality car insurance on and off the road A policy with Allstate is more than just car insurance. It's personalized help from expert agents, innovative tools — like Drivewise® — that help keep you driving forward and quality coverage paired with great savings. First of all, let's dispel the rumor that there is such a thing as cheap young drivers car insurance. Young, inexperienced drivers cost more to insure than the rest of us for two reasons: they're young and inexperienced.