No they do not have to and they generally do not. Young drivers are in a higher risk group which makes car insurance expensive for younger drivers.
Some companies that advertise cheaper insurance for young drivers are FreeInsuranceQuotation, and LoansStore. These are all insurance companies that advertised on articles about cheap insurance for young drivers.
Most insurance companies shy away from granting insurance to young drivers because there are new drivers and pose the greatest risk of getting into an accident. Because Progressive insurance does quite lot of advertising in regards to being better than the other insurance agents, one can look into getting cheap insurance rates for young drivers from this particular company.
Statefarm offer discounts for young drivers and students. In the UK one can find cheap car insurance for young drivers from Endsleigh. They offer savings of up to 23%.
Insurance companies usually have higher rates for young drivers due to their lack of experience, lack of responsibility, and the idea that they are more impulsive on the road. Not all teenagers are this way, but the insurance companies have to take care when insuring young drivers.
Car insurance companies can vary greatly on the insurance rates they quote for yound drivers. If the young drivers are minors and living at home, the best bet would be to contact the parents' insurance carrier. Many times they will offer multi-driver/car policies, which make this a more inexpensive option than other companies.
Progressive offers the best possible rates for young drivers. Their prices are not matched by any other insurance provider.
The best cheap car insurance for young drivers would be All State. They have great deals and have accident forgiveness. They also offer house insurance as a deal.
Cheap motor insurance for young drivers in Atlanta can be found from GEICO and US Auto Insurance Now. Other examples include Nationwide and Progressive.
Cheap car insurance for young drivers will be best found at larger insurers that have the most sound backing to allow for the additional errors while learning. Try the likes of GEICO, Statefarm and Nationwide first. They all have large membership totals and will be able to offer a lower rate.
Provisional license insurance is a cheap car insurance that is mostly for young drivers. These are especially made for student drivers as well.
Several different insurance companies offers young drivers motor insurance. Some of these companies include: Endsleigh Corporation and Quinn Direct Corporation.
The best place for young drivers to find cheap car insurance would be at State Farm. State Farm is a widely used insurance company and have quotes which are made specifically for new drivers.