Compare 16-Year-Old Driver Car Insurance Rates in 2024 (Top 10 Companies)
Compare best companies for 16-year-old driver car insurance rates, focusing on Progressive, USAA, and State Farm as leading Provider. The guide thoroughly examines elements affecting premiums, highlighting the importance of credit scores, driving distance, and types of coverage.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Apr 15, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Company Facts
Average Monthly Rate For Good Drivers
A.M. Best Rating
Complaint Level
Pros & Cons
Compare best companies for 16-year-old driver car insurance rates with leading providers—Progressive, USAA, and State Farm—in this concise guide. Delve into key premium factors, highlighting Progressive for its competitive rates and online convenience. This guide serves as your go-to resource for making informed and advantageous decisions.
Whether you are looking to buy one of the most popular cars or the most reliable cars, the cost of car insurance for a 16-year-old driver depends on several factors. Guardians and teens need to understand that, no matter where the vehicle will be operated, all drivers must carry at least the minimum amount of liability coverage required by the state.
Company Logo | Rank | See Pros/Cons | Maximum Multi-Policy Discount | Maximum Low-Mileage Discount | Best For |
---|---|---|---|---|---|
#1 | Progressive | Up to 10% | Up to 30% | Online Convenience | |
#2 | USAA | Up to 10% | Up to 20% | Military Savings | |
#3 | State Farm | Up to 17% | Up to 30% | Many Discounts | |
#4 | Allstate | Up to 10% | Up to 30% | Add-on Coverages | |
#5 | Nationwide | Up to 20% | Up to 30% | Usage Discount | |
#6 | Farmers | Up to 10% | Up to 30% | Local Agents | |
#7 | Liberty Mutual | Up to 25% | Up to 30% | Customizable Polices | |
#8 | Travelers | Up to 13% | Up to 30% | Accident Forgiveness | |
#9 | American Family | Up to 20% | Up to 20% | Student Savings | |
#10 | AAA | Up to 22% | Up to 30% | Local Agents |
The teen’s gender and performance at school may also play a part in the cost of getting car insurance coverage.
To get a list of personalized car insurance quotes for your teenager, enter your ZIP code into our quote tool.
#1 – Progressive: Online Convenience
Progressive stands out for online convenience and competitive rates, making it a top choice for 16-year-old driver car insurance.
Brad Larson Licensed Insurance Agent
Pros
- Online convenience: Progressive stands out for its user-friendly online platform, making it easy for customers to manage policies, file claims, and access information conveniently.
- Maximum low-mileage discount: Progressive offers a substantial low-mileage discount of up to 30%, providing cost savings for 16-year-old drivers who may not accumulate extensive mileage.
- Maximum multi-policy discount: Progressive offers a competitive multi-policy discount of up to 10%, encouraging customers to bundle their insurance needs for additional savings.
Cons
- Limited military savings: Progressive does not specifically cater to military personnel, lacking the specialized discounts and benefits that competitors like USAA offer.
- Add-on coverages: While Progressive provides a variety of coverage options, the add-ons may increase policy costs, potentially making it less budget-friendly for some customers.
Read more: Progressive Car Insurance Review
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#2 – USAA: Military Savings
Pros
- Military savings: USAA caters specifically to military members and their families, offering exclusive discounts and benefits, making it an excellent choice for those in the armed forces.
- Maximum low-mileage discount: USAA provides a generous low-mileage discount of up to 20%, promoting savings for drivers with limited mileage, which is common among younger drivers.
- Solid maximum multi-policy discount: With a multi-policy discount of up to 10%, USAA encourages customers to consolidate their insurance needs for enhanced savings.
Cons
- Limited accessibility: USAA membership is exclusive to military personnel and their families, limiting accessibility for the general public.
- Fewer local agents: While USAA provides excellent online services, it may lack the presence of local agents compared to some competitors, potentially affecting in-person customer support.
Read more: USAA Car Insurance Review
#3 – State Farm: Many Discounts
Pros
- Many discounts: State Farm offers a wide array of discounts, providing opportunities for policyholders, including a robust maximum multi-policy discount of up to 17%.
- Maximum low-mileage discount: State Farm extends a substantial low-mileage discount of up to 30%, catering to drivers who cover minimal distances.
- Usage discount: State Farm stands out with a usage discount of up to 20%, rewarding drivers with safe and responsible driving habits.
Cons
- Online convenience: While State Farm offers online services, its online platform may not be as advanced or user-friendly as some competitors like Progressive.
- Less customization: State Farm’s policies may be less customizable compared to some competitors like Liberty Mutual, potentially limiting options for specific needs.
Read more: State Farm Car Insurance Review
#4 – Allstate: Add-on Coverages
Pros
- Maximum low-mileage discount: Allstate provides a substantial low-mileage discount of up to 30%, catering to drivers with limited mileage, including many 16-year-olds.
- Maximum multi-policy discount: Allstate offers a competitive multi-policy discount of up to 10%, encouraging customers to bundle their insurance needs for added savings.
- Add-on coverages: Allstate specializes in providing a variety of add-on coverages, allowing customers to customize their policies with additional protections based on their specific needs.
Cons
- Online convenience: Allstate’s online platform may not be as user-friendly or advanced as some competitors, potentially affecting the overall customer experience.
- Limited student savings: While Allstate offers various discounts, the student savings may be less generous compared to competitors like American Family.
Read more: Allstate Car Insurance Review
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#5 – Nationwide: Usage Discount
Pros
- Usage discount: Nationwide stands out with a usage discount of up to 20%, rewarding drivers with safe and responsible driving habits, which can be particularly beneficial for young drivers.
- Maximum low-mileage discount: Nationwide provides a generous low-mileage discount of up to 30%, promoting savings for drivers who cover minimal distances.
- Maximum multi-policy discount: Nationwide offers a competitive multi-policy discount of up to 20%, encouraging customers to consolidate their insurance needs for enhanced savings.
Cons
- Limited local agents: Nationwide’s focus on online services may result in fewer local agents, potentially impacting customers who prefer in-person support.
- Customization options: While Nationwide offers customization options, it may not provide as many add-on coverages as some competitors, limiting policy tailoring.
Read more: National General Car Insurance Review
#6 – Farmers: Local Agents
Pros
- Local agents: Farmers emphasizes the presence of local agents, providing customers with in-person support and personalized service, which can be valuable for those who prefer face-to-face interactions.
- Maximum low-mileage discount: Farmers offers a substantial low-mileage discount of up to 30%, appealing to drivers, including 16-year-olds, who cover minimal distances.
- Maximum multi-policy discount: Farmers provides a competitive multi-policy discount of up to 10%, encouraging customers to bundle their insurance needs for added savings.
Cons
- Limited online convenience: While Farmers offers online services, its online platform may not be as advanced or user-friendly as some competitors, potentially affecting the overall customer experience.
- Add-on coverages: Farmers may offer fewer add-on coverages compared to some competitors, limiting customization options for policyholders.
Read more: Farmers Car Insurance Review
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Car Insurance Coverage Basics
Navigating the world of car insurance involves understanding the essentials. Here’s a concise overview of minimum and full coverage rates from three major insurers, shedding light on options that strike a balance between protection and affordability.
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
Progressive | $327 | $814 |
USAA | $102 | $249 |
State Farm | $146 | $349 |
Allstate | $260 | $638 |
Nationwide | $195 | $476 |
Farmers | $317 | $773 |
Liberty Mutual | $325 | $785 |
Travelers | $362 | $910 |
American Family | $207 | $509 |
AAA | $95 | $465 |
Understanding car insurance basics is crucial, and comparing rates from top insurers reveals key insights. Progressive’s minimum coverage is $327, with full coverage at $814.
USAA offers a budget-friendly minimum of $102 and comprehensive full coverage at $249. State Farm’s minimum is $146, while full coverage is $349. Rates vary based on factors, so choose coverage aligning with your needs and budget for optimal protection on the road.
Each state in the U.S. sets the minimum level of car insurance that all drivers must carry. Liability insurance protects the occupants of the other vehicle when an accident occurs.
Bodily Injury
Bodily injury liability insurance coverage pays for medical expenses incurred by people who have been hurt in an accident. This type of coverage may also compensate someone for lost wages if they are unable to work following the incident. In the case of a fatal accident, the bodily injury liability coverage pays out for funeral expenses.
Property Damage
Property damage liability insurance pays for the cost of repairs to the other driver’s vehicle. It is also used to pay to repair objects such as fences, signposts, and mailboxes that are damaged in an accident.
Even though there is a minimum level of coverage required for bodily injury liability and property damage insurance, it may not be sufficient to pay for medical and other expenses incurred due to an accident.
Drivers may choose to buy more than the minimum level of coverage if they wish.
There are three major factors that impact car insurance rates for teens. Read on to find out more.
#1. Gender
When car insurance companies consider whether to offer insurance coverage to a teen driver, the underwriters evaluate the risk the person presents.
Teenage boys are considered to be higher-risk drivers than their female peers, and rates are higher for young males as a result.
Part of the equation is that teen males are considered more likely to engage in potentially dangerous behavior on the road. The other consideration of why it costs more to insure teens is a lack of experience behind the wheel.
Our team gathered quotes from different insurance companies and compiled them right here. Below, you will see the average rates for 16-year-old males and females in the most expensive state for which quotes were available, Florida, and the cheapest state, Maine.
Sample Average Monthly Teen Car Insurance Rates
Gender and State | Average Monthly Progressive Rates | Average Monthly Allstate Rates | Average Monthly Geico Rates |
---|---|---|---|
Teen Female in Maine | $245.07 | $119 | $234.54 |
Teen Male in Maine | $265.07 | $164 | $246.19 |
Teen Female in Florida | $501.55 | N/A | $332.04 |
Teen Male in Florida | $517.67 | N/A | $374.47 |
Driving is a skill, and it takes time to develop it. A person who has recently received their license is less likely to recognize hazardous situations than someone who has been driving for several years.
The good news about the cost of auto insurance policies is that, as a person gets older and gains experience behind the wheel, cost should decrease as long as the person keeps a good driving record.
#2. Academic Performance
Students who perform well in school may qualify for better rates for their insurance coverage. Insurance companies consider students who can maintain at least a B average as being mature and responsible.
Doing well at school speaks to a person’s character, and insurers are prepared to reward students who can demonstrate that.
Here are a few of the companies that offer discounts for good students:
- Geico. Up to a 15% discount
- Allstate. Discount varies
- State Farm. Up to a 25% discount
- Progressive. Discount varies
Read more: Compare Student Driver Car Insurance Rates
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#3. Completing Driver’s Education
Another way that a teen can show the insurer that they should be considered for a better auto insurance rate for coverage is to successfully complete a driver’s education course.
Learning the rules of the road from a qualified instructor helps the new driver to get off to the best possible start. In the case of a teen that is getting behind the wheel for the first time, that means gaining the skills needed to operate it safely in various situations and in all weather.
The cost of car insurance for a 16-year-old varies, depending on the insurance company. It really pays for teens and their guardians to shop around for coverage.
In some cases, the best choice is to add the teen as an additional driver to the existing insurance policy.
Making a Teen Car Insurance Comparison
Don’t settle for the rate your existing car insurance company will quote you. Since your insurance situation has changed, it may be time to look at all of your options for car insurance coverage.
Each insurance company uses its own criteria to determine risk and set rates, so it really pays to shop around to find the best combination of coverage levels and prices for teen drivers.
Our free insurance quote will help you compare insurance companies’ premiums. Just enter your ZIP code to get started!
Read more: Compare Car Insurance Rates for First-time Drivers
Finding Cheap 16-Year-Old Car Insurance Rates Online
16-year-old car insurance rates are $246 per month for young men and $234 per month for young women. Adding a 16-year-old to your car insurance may double rates, but discounts for a driver’s ed class or good grades may help.
- Car insurance is a necessary consideration for your newly licensed 16-year-old.
- The more time you spend with your teenager behind the wheel, the better.
- There are always opportunities to cut costs when it comes to insurance.
- Age and gender affect insurance in different ways.
If you have a newly licensed 16-year-old, car insurance might be a scarier thought than the thought of your teenager actually driving. While it is true that car insurance is very expensive for young and inexperienced drivers, there are ways to get deals on your car insurance.
You can start shopping for car insurance rates right now by entering your ZIP code.
Before your teenager is old enough to drive, you need to start considering car insurance. Since car insurance for young drivers tends to be high priced, shopping early can help you make the right decision when you are ready.
When you add your 16-year-old to your car insurance policy, your rates are definitely going to increase.
You can reduce your premiums, however, by utilizing various credits available to you through different car insurance companies.
Enter your ZIP code above to easily compare car insurance rates in your area!
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Preparing for your Teenage Driver
Driving is a rite of passage for many children as well as their guardians. It comes with a new sense of freedom and responsibility. It also comes with concerns and worries.
There are many dangers associated with driving. No matter how good you are behind the wheel of a car, you are always at risk of being in an accident. When you are a 16 year old, new driver, there is still much to learn, and — many times — experience is the best teacher.
As soon as your 16-year-old gets their learning permit, you should prepare to spend a lot of time with them behind the wheel. Take advantage of trips to the store and allowing them to drive themselves to school with you as the passenger to give them quality time in the driver’s seat.
Schedule as much extra driving time each week as possible to ensure they get plenty of driving experience.
Whatever you do, be certain you are teaching the proper rules of the road. Between class instruction and personal education from you, your teenager should be better prepared to face the road alone when they finally get their driver’s license.
Saving Money on Teenage Driver Car Insurance
Guardians do have car insurance options for teen drivers. Check out some of these ideas for cutting costs:
- Many car insurance companies will give you a discount if the people listed on your car insurance policy take and pass a driving course.
- It’s a good idea to ask your agent what other types of things you can do to save money on the cost of car insurance for a 16-year-old.
- If your teenager is an “A” student, those good grades can help reduce your premiums with a good grade student discount.
- Of course, the more car insurance policies you have with the same insurance company, the more money you will save. If you are not already taking advantage of multiple policy discounts, now is a good time to consider it.
It is unavoidable for your rates to go up if you are going to add an inexperienced driver to your car insurance policy. Take advantage of as many money-saving discounts as possible.
Adding a Teenage Driver to your Car Insurance
Since your teenager is at greater risk of getting involved in an accident, taking car insurance shortcuts is not a good idea. Your 16-year-old is still inexperienced, and while he may not be the cause of an accident, it is possible that he will not be able to avoid an accident either.
The safest thing to do is shop around for the best car insurance deals for your family while not skimping on coverage. Since your new driver is more likely to be involved in an accident, you will need additional insurance to cover your risks.
Cheap car insurance for your teenager is fine, provided it offers you complete coverage for all your needs.
You will not be able to put your 16-year-old on his own car insurance policy, so his insurance provider will be yours as well.
The policy will be the same for everyone listed on it, so you may need to increase your own coverage as well, just to be safe.
For example, if you are only carrying the minimum amount of coverage for liability, you may want to consider increasing your coverage limitations so that your teenager has more financial protection.
It may also be worth considering lowering your deductible, even though this will increase your premiums.
If you have deductible money set aside, then this may not be necessary, but if your teen driver is more likely to be involved in an insurance claim, you need to be prepared to pay that deductible.
Driving is a fun time for a 16-year-old. Car insurance adds some responsibility, but your teenager will still have fun, and you will have peace of mind.
Get quotes now by entering your ZIP code to find the best car insurance rates for your teenage driver today!
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How to Find Cheap 16-Year-Old Male Car Insurance Rates
Car insurance for your average 16-year-old male may add up to $374 to your monthly rates. However, factors like car choice and taking a driver’s training course may provide discounted rates.
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- Drivers under the age of 25 cause the majority of accidents in every state in the country, making cheap insurance for that age group impossible to find.
- Insurance companies consider 16-year-old males high-risk drivers, which makes their insurance costs much higher than an experienced male driver with a clean driving record would pay.
Get the Basics...According to FARS (Fatality Analysis Reporting System), males cause twice as many accidents as their female counterparts. So much for all those women driver jokes!
For young, teen drivers, the news isn’t all bad, however. Although you will pay higher costs, there are ways for you to save money.
Enter your ZIP code into the free tool on this page to get free car insurance quotes for your teenage boy!
The Best Car for a 16-Year-Old Boy
The first thing that you need to consider when you have a teen driver is the vehicle that they are going to drive. If you have a newer vehicle that must be financed, then adding your teen son to your insurance is going to cause your rates to skyrocket.
The higher the value of the vehicle the more expensive the insurance is going to be on that vehicle, especially if you add a teen to your policy.
Consider purchasing a vehicle for your teen that doesn’t require financing. Instead, choose a later model vehicle that still has modern safety features anti-lock brakes, air bags, and an anti-theft alarm.
If you purchase a vehicle that doesn’t have a lot of value, the insurance is going to be lower. A car with safety features will qualify for more discounts, thus reducing the overall insurance costs.
In addition, there are certain types of vehicles that insurance companies consider to be a higher risk for teen drivers, such as SUVs. The risk of having an SUV overturn is higher than on other vehicle types because SUVs are so big and heavy.
However, vehicles that are too small are just as risky because the risk of death is higher in a serious auto accident. You should consider vehicles that are mid-sized, have four doors, and a smaller engine.
An insurance company will take all of these things into consideration when writing an insurance policy for a teen driver.
Safety Features for Teen Drivers
Not only is a driver’s education course an excellent way for your child to learn how to drive, but many insurance companies offer discounts for teen drivers that take driver’s ed.
Most high schools offer driver’s education courses for credit, which means that you don’t have to pay for it, and it counts as part of their education.
These classes have a tendency to fill up fast, so enrolling your teen when they get their learner’s permit is a good idea. Of course, if your child can’t get into a class at school, then you have the option of paying for driving lessons.
These lessons can range in price from $150 to $500 depending on where you live, how long the course lasts, and whether you choose in classroom only or both classroom and actual driving courses.
Make sure that the course is certified by your state, or it will be a waste of money.
Some insurance companies will offer discounts if your teen driver keeps a learner’s permit longer to get more driving experience with an adult present.
Many states are requiring that teens log a certain amount of hours driving before they can get their regular driver’s license.
These logs have helped to reduce the amount of teen-related auto accidents because teen drivers have more driving time, which means more experience driving.
Teach your kids about driving safety by example.
If you have bad driving habits, break them and then demonstrate your commitment to safety by driving the same way you want your teen to drive.
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Extra Discounts and Lower Prices
Every insurance company offers some sort of discount to their drivers, but they don’t all offer the same discounts. When shopping for auto insurance, choose a company that offers more discounts that apply to your situation.
If you are buying a vehicle for your teen to drive, then choose a company that offers discounts for having multiple policies with them.
Many insurance companies offer discounts to students with a good GPA. You may want to consider making good grades a necessity before allowing your teen to drive.
In addition to shopping around for discounts, you also want to shop around for lower prices. This means that you will want to get quotes from more than one company.
Case Studies: Compare 16-Year-Old Driver Car Insurance Rates
Case Study One: Smart Savings With Driver’s Education
Samantha, a 16-year-old high school student, recently got her driver’s license. Her parents were concerned about the potential increase in insurance costs. However, they decided to enroll Samantha in a certified driver’s education course offered at her high school.
Samantha successfully completed the driver’s education program, which not only enhanced her driving skills but also qualified her for a discount with her family’s insurance provider. The completion of the course not only made Samantha a safer driver but also helped her family save on insurance premiums, providing a win-win situation.
Case Study Two: Academic Excellence Pays Off
Michael, a 16-year-old with a passion for academics, maintained an excellent GPA in high school. His parents, understanding the potential impact of good grades on insurance rates, encouraged him to continue his stellar performance.
As Michael applied for car insurance, his family was pleasantly surprised to discover that his good grades made him eligible for a good student discount with their insurance provider. Michael’s commitment to his studies not only opened up educational opportunities but also contributed to significant savings on car insurance premiums.
Case Study Three: Comprehensive Coverage for New Drivers
Emily, a 16-year-old, just received her driver’s license and was eager to drive her family’s car. Concerned about potential risks, Emily’s parents decided to explore comprehensive coverage options to ensure adequate protection for both Emily and the vehicle.
Although comprehensive coverage comes with a higher premium, Emily’s family valued the peace of mind it provided. In the first year of driving, Emily was involved in a minor accident. Thanks to the comprehensive coverage, the insurance covered the repair costs, minimizing the financial impact on Emily’s family and emphasizing the importance of comprehensive coverage for new drivers.
Finding the Cheapest Teenage Boy Car Insurance Quotes
Using a quote tool eliminates the need to visit multiple sites to get the quotes you need. Getting quotes from multiple companies is easy with our free quote tool, and our tool allows you to see quotes side by side.
What’s more, you can get the information that you need to make an informed choice about your auto insurance without having to spend 10 to 15 minutes filling out forms on each site.
Using our quote tool also takes the guesswork out of determining what insurance companies sell insurance in your state. It’s pretty frustrating to visit an insurance website only to learn that the insurance company doesn’t even offer insurance in your state.
When you enter your ZIP code in our quote tool, you get results for companies that are licensed to sell auto insurance in your state.
The decision is easy, and so is the process with our quote tool. Just enter your ZIP code below to find the most competitive car insurance rates for your teenage son today!
Frequently Asked Questions
How can enrolling in a driver’s education course impact insurance rates for a 16-year-old driver?
Successfully completing a certified driver’s education course can often lead to insurance discounts for young drivers. Insurance providers recognize the value of formal education in improving driving skills, making the driver less risky and eligible for potential premium reductions.
Do good grades in high school affect the cost of car insurance for a 16-year-old?
Yes, many insurance companies offer discounts for good students. Maintaining a high GPA can make a 16-year-old eligible for a good student discount, showcasing responsibility and maturity, and resulting in potential savings on insurance premiums.
Is it advisable to opt for comprehensive coverage for a 16-year-old driver?
Comprehensive coverage can provide additional protection for both the young driver and the vehicle. While it comes with a higher premium, it proves beneficial in scenarios involving accidents or damages, offering peace of mind and financial security for the driver’s family.
How can parents save on car insurance when adding a 16-year-old to their policy?
Parents can explore various discounts offered by insurance providers, such as good student discounts, multi-policy discounts, and safe driving discounts. Additionally, encouraging the 16-year-old to complete a driver’s education course can contribute to overall savings on insurance premiums.
What role does gender play in determining insurance rates for a 16-year-old driver?
Insurance companies often consider gender as a factor in determining rates for teen drivers. Statistically, teenage boys may be considered higher-risk drivers than their female counterparts, leading to potentially higher insurance premiums for young males.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.