How much is car insurance for a 16-year-old?

Identifying how much car insurance is for a 16-year-old can be challenging since rates vary based on the car, coverage, and location. However, discounts are available for students with good grades.

Compare Cheap Car Insurance Quotes

secured lock Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Mar 22, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance 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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to Know

  • Car insurance tends to be more expensive for 16-year-olds than for adults due to a lack of driving history
  • For 16-year-old drivers, choosing the right company could save more than $100 per month
  • Car insurance rates can be reduced for young drivers that apply eligible discounts while minimizing coverage on safe and inexpensive cars

Whether you’re looking for yourself or a dependent, shopping for car insurance for a 16-year-old may be a new experience that has significant financial implications. Teenagers and young adults tend to pay more for car insurance, so it’s important to be diligent when choosing a company and coverage details.

It’s easy to get stuck overpaying for car insurance if you rush to buy the first car insurance policy available. This article will aim to give you a better understanding of how much you should pay for car insurance for a 16-year-old and some of the common variables that influence those rates.

How much is car insurance for a 16-year-old?

If you’re looking for car insurance for a 16-year-old, there’s a good chance you’re about to incur a new expense. The issue is that 16-year-olds have very little driving experience and ultimately are considered a greater risk to insurance companies.

Even if a 16-year-old has excellent driving habits, they won’t be rewarded with cheaper rates for a few years. That said, there are some potential discounts that can lessen the cost of car insurance for teenagers. Young driver car insurance may come with some small challenges.

It’s important to know that car insurance rates vary due to many factors. Age is one factor, however, where you live plays a notable role in your car insurance rates, too. In general, those that live in large cities tend to pay more than those that live countryside. Car insurance companies assume greater risk in areas of higher traffic and ultimately charge more for insurance in those areas.

While it might be hard to give precise sample rates for a 16-year-old without any additional context, we can provide some sample rates to exemplify how rates vary and what might be considered normal for a 16-year-old.

Sample 16-Year-Old Car Insurance Rates

The sample car insurance rates below are for a 16-year-old with no accidents or notable driving incidents. The rates were provided as if the driver was a full-time student driving a 2012 Honda Accord. These rates are for liability coverage only and would be subject to increases for greater coverage.

Sample Car Insurance Rates for a16-Year-Old
State & CompanyMonthly Amount (Male)Options (Male)Monthly Amount (Female)Options (Female)
Maine (04101) - GEICO$246.19Option 1: $246.19/mo or full 6mo: $1,447.10
Option 2: $249.77/mo or full 6mo: $1,468.60
No Comprehensive & Collision Coverage
$234.54Option 1: $234.54/mo or full 6mo: $1,377.20
Option 2: $237.90/mo or full 6mo: $1,397.40
No Comprehensive & Collision Coverage
Florida
(33556) - GEICO
$374.471: $369.47 + 5mo: $374.47 or full: $2,216.80
2: $434.24 + 5mo: $439.24 or full: $2,605.40
No Comprehensive & Collision Coverage
$332.041: $327.04 + 5mo: $332.04 or full: $1,962.20
2: $377.90 + 5mo: $382.90 or full: $2,267.40
No Comprehensive & Collision Coverage
Maine (04101) - Progressive$265.07Basic: $105.67 + 5mo $265.07 Full: $1,214
Choice: $174.73 + 5mo $437.66 Full: $2,023
Rec: $216.82+ 5mo at $542.84 Full: $2,514
Comp&Coll: C $1k, R $500 ded, Basic none
$245.07Basic: $97.67 + 5mo at $245.07 Full: $1,119
Choice: $156.87 + 5mo $393.03 Full: $1,814
Rec: $193.85 + 5mo at $485.43 Full: $2,246
Comp&Coll: C $1k, R $500 ded, Basic none
Florida
(33556) - Progressive
$517.67B: $268.66 + 5mo at $517.67 Full: $2,434
C: $365.31 + 5mo $703.54 Full: $3,337
R: $595.72 + 5mo $1,146.66 Full: $5,380
C&C: C $1k, R $500 ded, Basic none
$501.55B: $260.28 + 5mo at $501.55 Full: $2,346
C: $341.29 + 5mo $657.35 Full: $3,104
R: $558.42 + 5mo at $1,074.92 Full: $5,013
C&C: C $1k, R $500 ded, Basic none
Louisiana (70072) - Progressive$762.92B: $952.40 + 5mo at $762.92 Full: $3,985
C: $1,474.80 + 5mo $1,180.84 Full: $6,251
R: $2,040.80 + 5mo $1,633.64 Full: $8,609
Comp&Coll: C $1k, R $500 ded, Basic none
$602.12Basic: $751.40 + 5mo at $602.12 Full: $3,132
Choice: $1,131.40 + 5mo $906.12 Full: $4,780
Rec: $1,255.40 + 5mo at $1568 Full: $6,596
Comp&Coll: C $1k, R $500 ded, Basic none
Get Your Rates Quote Now

Compare RatesStart Now →

You’ll see above that a 16-year-old’s car insurance rates can fluctuate greatly between states, companies, and by gender. It’s common for car insurance rates to vary by company by a small percentage. Choosing the right company can sometimes save $40 or $50 per month.

These sample rates show much greater variance, emphasizing the importance of shopping multiple car insurance companies. In Odessa, Florida, 16-year-olds could pay well over $100 per month more for Progressive than GEICO. This major difference was not as significant between the two companies in Portland, Maine.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

As with most forms of insurance, males tend to pay more than females. Males tend to get into more frequent and more serious accidents, according to the Insurance Information Institute. Again, assumed risk increases the rates for males compared to females.

How to Save on Car Insurance for a 16-Year-Old

Whether you’re a parent or a 16-year-old student, it might be tough to take on a new expense exceeding $200 per month. It might help to find other ways to save on car insurance as an inexperienced driver. This means looking for additional discounts.

There are a few potential options for saving on car insurance for teenagers, listed below:

  • Good student discount
  • Driver education discount
  • Purchasing a safe vehicle
  • Purchasing liability coverage only
  • Raising the insurance deductible
  • Driver tracking/pay as you drive

Many car insurance companies offer discounts to 16-year-olds if they have good grades. Usually, this means they need a “B” letter grade average or a 3.0 grade point average. State Farm offers a discount of up to 25% for good students. The associated discount does vary from company to company.

Defensive driving or driver education courses can also help to lower rates. Allstate offers a discount for those who take the teenSMART driver education course. Before you take a course, be sure your insurance company will approve it for a discount.

Safe cars are less expensive to insure. You can look up vehicle safety ratings to get a better idea. Keep in mind that you will have less flexibility with coverage if you take a loan out on a car. Most lenders require full coverage on cars until the loan is paid off. Liability coverage is much less expensive without comprehensive coverage or collision coverage.

Some companies, such as State Farm, will monitor your driving habits. State Farm’s Drive Safe & Save program will track vehicle speed, braking habits, and phone usage. Assuming these are all within reason, drivers could save up to 30% on car insurance. Even 10% can be a major discount on car insurance for 16-year-old drivers.

Overall, there are a handful of options that can make car insurance more reasonable for 16-year-olds.

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

Cost of Car Insurance for 16-Year-Olds: The Bottom Line

Young adults and teenagers can expect to pay more for car insurance. By shopping rates from multiple companies and applying eligible discounts, 16-year-olds can find more affordable car insurance rates.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption