How much is car Insurance for a 16-year-old? (and can I find cheap rates?)

Average 16-year-old car insurance rates are $246.19/mo for boys and $234.54/mo for girls. Save more by finding hidden discounts for good grades, completion of driver's ed, and keeping a clean record. Cheap 16-year-old car insurance rates are possible if you shop around.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • There are many factors impacting the rates of a teen’s auto insurance
  • Generally speaking, teens will pay a higher rate than any other age group
  • For 16-year-olds, car insurance rates are $234.54/mo for girls and $246.19/mo for boys
  • There are things a teen can do to keep their rates as low as possible

The cost of car insurance for a 16-year-old depends on a number of factors. Parents 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.

The teen’s gender and performance at school also play a part in the cost of getting car insurance coverage.

To get personalized teenager car insurance quotes, do a full car insurance comparison by entering your zip in on the side of this page and comparing quotes!

Car Insurance Coverage Basics

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 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 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 as the result of 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.

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#1 – Gender

When car insurance companies consider whether to offer insurance coverage to a teen driver, the underwriters consider the risk the person presents.

Teenage boys are considered to be a higher risk than girls, 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, and the other consideration of why it costs more to insure teens is a lack of experience behind the wheel.

Our team gathered some real 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 StateAverage Monthly Progressive RatesAverage Monthly Allstate RatesAverage 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$501.55N/A$332.04
Teen Male in Florida$517.67N/A$374.47
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Driving is a skill, and it takes time to develop it. A person who has recently received his or her license is less likely to recognize hazardous situations than someone who has been driving for a number of years.

The good news about the cost of car insurance 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 percent discount
  • Allstate – discount varies
  • State Farm – up to a 25 percent discount
  • Progressive – discount varies

#3 – Completing Driver’s Education

Another way that a teen can show the insurer that they should be considered for a better 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 parents 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.

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Doing 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 price for teen drivers.

Our FREE insurance quote will help you compare insurance companies’ premiums. Just enter your zip code to get started!

Finding Cheap 16-Year-Old Car Insurance Rates Online

16-year-old car insurance rates are $246.19/mo for boys and $234.54/mo for girls. Adding a 16-year-old to your car insurance may double rates, but discounts for a driver 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. Know how is important.

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 at the prompt.

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!

Preparing for your Teenage Driver

Driving is a rite of passage for many children as well as their parents. 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 new driver, there is still much to learn, and–many times–experience is the best teacher.

As soon as your 16-year-old gets his learning permit, you should prepare to spend a lot of time with him behind the wheel. Take advantage of trips to the store and allowing him to drive himself to school–with you as the passenger–to give him quality time in the driver’s seat.

Schedule as much extra driving time each week as possible to ensure he gets 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 he finally gets his driver’s license.

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Saving Money on Teenage Driver Car Insurance

Parents 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!

How to Find Cheap 16-Year-Old Male Car Insurance Rates

The average 16-year-old male car insurance rates may add up to $374.47 to your monthly rates. However, factors like car choice and taking a driver’s training course may provide discounted 16-year-old male car insurance rates.

    • 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!

The news isn’t all bad, however. Although you will pay higher costs, there are ways for you to save money.

Enter your ZIP into the free tool on this page to get FREE car insurance quotes for your teenage boy!

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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 lock breaks, air bags, and possibly an alarm.

If you purchase a vehicle that doesn’t have a lot of value then 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 medium in size, have four doors and have 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.

Extra Discounts and Lower Prices

Every insurance company offers some sort of discounts 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.

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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!

References:

  1. https://www.iii.org/issue-update/compulsory-auto-uninsured-motorists
  2. https://www.nbcnews.com/business/autos/how-much-does-adding-teen-driver-increase-your-auto-insurance-n375691
  3. https://www.cbsnews.com/news/why-you-need-more-liability-insurance/
  4. http://people.opposingviews.com/boys-pay-auto-insurance-girls-1893.html
  5. https://docs.google.com/spreadsheets/d/1-_HmBziQxV—l5-Cjo06ypmjJmmmU3OvOuFnFCmEEY/edit#gid=1823323793
  6. https://www.geico.com/save/discounts/car-insurance-discounts/#history
  7. https://www.allstate.com/auto-insurance/teen-driver-discounts.aspx
  8. https://www.statefarm.com/insurance/auto/discounts
  9. https://www.progressive.com/auto/discounts/
  10. https://www.rmiia.org/auto/teens/Buying_Auto_Insurance.asp

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Average Monthly Car Insurance Rates by State