Car Insurance For A 16 Year Old

Curious about car insurance for a 16 year old? You may be surprised to learn that there is a big difference in the average cost of insurance for a 16 year old male and female depending on whether he/she is added to their parent’s policy or get their own coverage. For example, average insurance rates for a 16 year old male in California, Texas, New York and Florida are over $5,000, but only $2,000 when on a family policy.

Furthermore, researching how much is car insurance for a 16 year old really depends on a number of factors, including your state’s minimum coverage requirements, the potential to get a good student discount, the company you buy your policy from, and whether your teenager is a boy or girl.

In fact, because male drivers are generally higher risk, the difference in average car insurance rates for 16 year old males versus females is almost $1,000. However, there are ways to get the cheapest car insurance for 16 year-olds. Below, we’ll detail the insurance premiums for a 16 year old by state and gender as well as guide you to finding the best quotes, coverage, and companies.

How Much Is Car Insurance For A 16 Year Old?

Calculating how much insurance costs for a 16 year old requires a few assumptions. While the only way to get the exact price of auto coverage for your teen male or female is to get free insurance quotes online, we can provide you with average rates.

The rates below for a separate teen policy are based on a 2017 Honda Accord with $100,000 for injury liability on one person, $300,000 for all injuries in one accident, $100,000 for property damage, and a $500 deductible.

Car Insurance For A 16 Year Old Female

Here is the average car insurance cost for a 16 year old female driver. You’ll quickly notice higher rates for the individual teen policy versus the parent’s policy.

Car Insurance For A 16 Year Old Male

Here are the average car insurance rates for a 16 year old male. For starters, the cost of insurance is much higher for teen males versus females. This also means that families can save a lot of money by adding their 16-year-old teen drivers to a parent’s policy.

Cheap Car Insurance For 16 Year Olds

For parents looking to buy the cheapest car insurance for a 16 year old, male or female, the lowest rates are usually associated with policy’s that meet the minimum coverage required by the state you live in. While the premiums will be cheap, the policy will also offer limited protection. Also known as liability insurance, this type of coverage pays for injuries, medical bills and repairs incurred by other vehicles and drivers during an accident.

Here’s how much minimum liability auto insurance will cost, on average, per year in different states.

Cheap Car Insurance For A 16 Year Old Girl

Here is how much cheap car insurance for a 16 year old girl will cost!

Cheap Car Insurance For A 16 Year Old Boy

Here is how much cheap car insurance for a 16 year old boy will cost!

How To Get The Best Car Insurance Quotes For A 16 Year Old

Although buying your 16 year old auto insurance isn’t going to be nearly as affordable as insuring an experienced, low-risk driver, there are some ways parents can lower their premiums.

• Let your 16 year old drive an old car. Older cars are naturally cheaper to insure, and the best car insurance companies will account for this by offering you a lower rate. Similarly, an old family sedan or van will get you lower rates than a sports car so think about a Toyota Camry, Honda Accord, Subaru Forester, Jeep Cherokee, Honda CRV, etc.
• Wait a year to let your child drive. Your teen’s age plays a huge role in determining his or her rates.  A 17 year-olds insurance price is roughly $300 to $500 cheaper than a 16 year-olds.
• Ask for a Good Student Discount. If your teen boy or girl is a good student with a 3.0 GPA (“B”) or above, then your insurance company may provide you with a discount. Your carrier will likely request to see proof, such as a transcript, but the extra effort could be work up to $500 per year in savings.
• Get the Defensive Driver Discount. Statistics show that young drivers who have taken a professional driving class are less likely to get tickets or into an accident. Ask your insurance company about the discount before enrolling in a course.
• Maintain a clean driving record. The best way to save the most amount of money on your insurance premiums is to keep a clean driving history for life. Traffic tickets, at-fault accidents, DUIs, texting while driving, racing, and other incidents can increase your rates for years to come.

Finally, the last step to getting car insurance for a 16 year old is to shop around. Buying good coverage for a low price ultimately comes down to comparing quotes online to find the cheapest companies. If you complete an insurance comparison and find lower rates at another company, you don’t even have to switch insurers. Use the other carrier’s affordable premiums and negotiate with your existing provider.