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

Car insurance for a 16-year-old driver can be expensive. Insurance companies can charge up to $1,700 per month for a teen car insurance policy, with boys paying about 16 percent more than girls. How much car insurance is for a 16-year-old will depend on many factors, including the type of vehicle insured and where you live. Enter your ZIP code below to start comparing 16-year-old car insurance quotes for free.

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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.

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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.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 26, 2020

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Car insurance for a 16-year-old driver can be expensive. How much car insurance is for a 16-year-old will depend on a number of factors including the type of vehicle insured, whether or not the 16-year-old is a primary driver and even how good grades the teenager has in school. While car insurance for a 16-year-old female is typically less than a male there is no doubt that car insurance rates will be high however there are things you can do to save money on teenage car insurance.

Why are young drivers considered high risk?

Car insurance for young drivers is calculated much like car insurance for any driver where premiums are based on risk. Young drivers pose a higher risk of filing a future claim than preferred drivers who are defined as someone over the age of 25 and with at least a 5 year clean driving record along with other variables. Failure to have any kind of history operating a vehicle simply poses a higher risk. Studies also show that young drivers partake in more high risk activities including failure to wear seatbelts, use of a mobile phone while driving and speeding.

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

This will depend entirely on the whole application profile. One thing you really want to avoid is having a 16-year-old named as a primary driver on a vehicle as car insurance rates will skyrocket. Most young drivers are added as an additional driver to their parent’s vehicle which can make auto insurance premiums affordable.

If you decide to buy a new car for your teenager however always check how much car insurance is before purchasing any vehicle. It’s very common to have insurance premiums much higher than the car loan payment for vehicles where a teenager is the primary driver.

An analysis of how much 16-year-olds pay for car insurance found that insurers charge up to $1,700 per month for a teen to get their own car insurance policy, with boys paying about 16 percent more than girls.

Some of the most important factors which contribute to how much car insurance is for a young driver:

  • Type of Vehicle Insured
  • How the vehicle will be used
  • How many drivers have access to the vehicle?
  • Student GPA (good grades discount)
  • Defensive Driving Course

If you are looking for cheap car insurance for a 16-year-old it’s probably going to be very difficult to find unless they are added as an additional driver to a household car.

How can I find cheap car insurance for young drivers?

Most car insurance companies offer policies for young drivers but the trick will be to compare as many auto insurers as you can. Policy options and premiums can vary widely depending on who you speak with. Some insurers offer good grades discounts while others do not. Some offer discounts for completed defensive driving courses while others require completion of only courses on their approved list.

Navigating car insurance for young drivers can be a little frustrating but ultimately you need to find a balance between premiums and coverage. Parents may also want to review existing coverage and make sure they have all the discounts applied. Some parents even opt for higher policy deductibles when they add a teenage driver which can offset some of the cost. While a car insurance review is recommended annually by many financial advisors there really is no better time to review your policy than when having to add an additional driver.

Car insurance for a 16-year-old can be expensive but with a good car insurance comparison search you should be able to find affordable rates for almost all teenagers. However it is very important to remember that car insurance is not just another bill but also a blanket of protection for your inexperienced teenager so a reliable provider is a must.

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