Average Cost of Car Insurance for 16-Year-Olds

We found that the average cost to insure a 16-year-old is $ 813 per calendar month for entire coverage, based on our analysis of thousands of rates across nine states. On average, 16-year-old boys pay $ 63 more per calendar month compared to girls .
We found that Erie has the cheapest car insurance for 16-year-old drivers at $ 311 per month for full coverage, based on our analysis of thousands of rates across nine states. Although car insurance for 16-year-olds is expensive, you can save by sharing an indemnity policy with your parents, getting quotes from multiple insurers and maximizing how many discounts you get .
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Cost of car insurance for a 16-year-old

We found that 16-year-olds can expect to pay on average $ 813 per calendar month for car policy. Among the different insurers we analyzed, rates ranged from $ 311 to $ 1,141 per calendar month for full coverage, which highlights the importance of getting quotes from multiple insurers .
16-year-old Car Insurance Cost

Find Cheap 16-Year-Old Auto Insurance Quotes

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Find the Cheapest Insurers for Young Drivers in Each State

Erie offers the cheap insurance for 16-year-olds at a monthly rate of $ 311. As Erie is alone available in 13 states, Farmers is the cheapest option offered nationally at $ 415 per month .

Cost of car insurance for 16-year-olds compared to other ages

Insuring a 16-year-old driver can be identical expensive. The cost to insure a 16-year-old driver is more than bivalent the average cost to insure a 25-year-old. A 16-year-old can expect their insurance cost to decrease by an average of 9 % when they turn 17 .

How do rates differ between 16-year-old male and female drivers?

The average cost of cable car policy for 16-year-old female drivers is broadly cheaper than the cost for male drivers. This is because young male drivers tend to display more bad drive behavior compared to youthful female drivers, such as rush or driving drink .


Monthly cost – male driver

Monthly cost – female driver

16 $845 $782
17 $768 $705
18 $647 $586

Why is car insurance so expensive for 16-year-olds?

cable car insurance is much more expensive for 16-year-old drivers because they are more probably to get in accidents than older drivers. According to the Centers for Disease Control and Prevention ( CDC ), adolescent drivers are three times more likely than other drivers to get in a black barge in .
Rates for 16-year-olds are besides higher because insurance companies do n’t have existing data to base their models on. car indemnity rates are partially based on your driving history, as person who has driven accident-free for several years will pay less for insurance than person who has caused several car accidents .
But for these teens, who have typically had their driver ‘s licenses for a year or less, there ‘s identical little data for policy companies to base their decisiveness on. This leads to higher costs for every adolescent driver, no matter how careful they are .

The cheapest auto insurance company for 16-year-olds by state

Geico and State Farm are frequently the cheapest insurers, as both companies are the cheapest option in three states. Below are the cheapest insurance companies for a 16-year-old in our nine sample distribution states .

Do I have to add my teenager to my car insurance?

In most cases, you are required to add your 16-year-old son or daughter to your car indemnity arsenic soon as they get their license. Some states mandate it by law, and many insurance companies require it besides. even if it ‘s not required, it ‘s a smart idea to ensure everyone is covered by your car insurance.

typically, you entirely need to add a adolescent driver to a family policy once they have their license. If your 16-year-old has n’t even passed their license test, they normally do n’t need to be listed on your policy .

Rates for 16-year-olds are cheaper under parents’ insurance

The most solid way to save money on cable car indemnity as a 16-year-old is to get added to your parents ‘ policy policy rather of buying your own policy. We found that a 16-year-old male could reduce his rates by 45 % by joining his parents ‘ cable car insurance policy .
Cost of Car Insurance for 16-Year-Olds: Solo vs Family Policy
Some policy companies require you to have one shared policy for everyone in your family. even if you are able to buy your own policy, you ‘ll probably need your parents to approve the agreement — an insurance company wo n’t let you buy a policy on your own as a minor, since minors ca n’t legally gestural contracts .

Driving laws for 16-year-olds

many states have laws limiting how and when 16-year-olds can drive, even after they ‘ve passed their license tests. adolescent drivers much have intermediate licenses, besides called probationary or restricted licenses, which come with restrictions that do n’t apply to adult drivers .
For exercise, 16-year-old drivers in Florida ca n’t drive between 11 post meridiem and 6 a.m. In California, 16-year-olds ca n’t have passengers under 20 years old unless a driver aged 25 or older is supervising .

How to save on the cost of auto insurance for 16-year-olds

car policy rates for 16-year-old drivers are very high, but there are ways to bring your monthly bounty down. The best thing to do is to be added to a syndicate member ‘s policy quite than buying your own .
But there are early ways to get the cheapest possible car insurance for a 16-year-old .

Shop around at multiple insurance companies

Every indemnity caller offers different prices, and the discrepancy is peculiarly high when it comes to teenagers — we found that going with one insurance company over another can amount to thousands of dollars saved over the run of a year .
however, the cheapest insurers for 16-year-old drivers will vary by region. You should collect quotes from several unlike policy companies to be convinced you ‘re paying angstrom short as possible .

Find discounts for 16-year-old drivers

To offset the gamey cost of indemnity for 16-year-olds, many indemnity companies offer a assortment of discounts targeted specifically for young drivers. here are some coarse deductions to look out for .

  • Good grades: If you’re a full-time high school or college student with a certain GPA (often a “B”/3.0 or better), you can see a reduction in rates.
  • Driving tracker: Many insurance companies will provide you with a telematics driving tracker, which reduces your rates after you’ve demonstrated that you drive safely. For example, it may show that you don’t suddenly start or stop, or swerve on the road. These plug into your car’s diagnostic port, or use a mobile app, to track your habits.
  • Driving class: Sixteen-year-old drivers are likely to have recently taken driver’s education, but many states allow you to take a driver’s education course to automatically reduce your car insurance rates — in New York state, the discount is 10%.
  • Student away from home: This discount applies more often to college students than 16-year-old high schoolers, but if you’re more than 100 miles away from home for school (such as boarding school), and you don’t have a car with you, you’ll usually qualify to have your insurance rates reduced.
  • Pay-in-full: You can get a discount on your car insurance from most insurers by paying for the entire plan in full, rather than breaking the cost up by month.

Buy a car that’s cheaper to insure

If you or your parents are buying a fresh or exploited car for you to drive once you turn 16, one major consideration is how much it costs to insure. The price of car policy varies significantly by car model — for case, we found in our cogitation of the cheapest cars to insure that a Honda CR-V, the car with the lowest monthly rates, is 33 % cheaper to insure than a Ford Mustang .
Buying a fun or flying car — like a Mustang — may seem appealing, but it ‘s likely to be much more expensive to buy, drive and insure than a car like a Honda Civic. Plus, if you do get in an accident, a sports car will be more expensive to repair .

Drop comprehensive and collision coverage

One of the simplest ways for teenagers to lower their policy bills is to reduce the amount of coverage they ‘re paying for. The most normally removed portions of car insurance are comprehensive and collision coverage, which pay for the haunt of your own fomite. collision covers you if your car is damaged in a crash and no one else is at fault. comprehensive examination coverage pays for price caused by something early than a collision, like vandalism or larceny .
Both coverages are optional unless you have a car loanword or lease. Dropping comprehensive and collision coverage is broadly a better idea when your cable car is older and not worth adenine much money. This is because the utmost possible payout of coverage — the substitution cost of your car — is often less than the cost of coverage. however, you should entirely drop these coverages if you can afford to repair or replace your cable car without them .

How to get car insurance for a 16-year-old

For 16-year-olds who are simply adding themselves to their parents ‘ policy, getting behind the roulette wheel can be a simple as calling your policy agent or going to your insurance company ‘s web site .
however, adding a 16-year-old to a car indemnity policy is an ideal time to check with other insurers to see how much they charge for their coverage and to consider switching policy companies in regulate to save money .

Can a 16 year-old get their own car insurance?

Yes, a 16 year-old can purchase their own car insurance policy. however, along with it being more expensive, there will probably be an extra step in the process .
They ‘ll credibly need to have a rear approve or cosign the agreement, as minors ca n’t sign legally binding contracts .


Our study used car policy quotes from thousands of ZIP codes across nine of the most populate states in the U.S. Our sample drivers were 16-year-old boys and girls who drove a 2015 Honda Civic EX. All other parameters affecting car insurance rates were kept ceaseless .
The fully coverage policies that we used had the follow limits :

Coverage type

Study limits

Bodily injury liability $50,000 per person/$100,000 per accident
Property damage liability $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible
Personal injury protection (PIP) Minimum when required by state

Our analyze included 29 policy companies, but rates from insurers were lone added to our list of average prices and recommendations if their policies were available in at least three of the nine states .
ValuePenguin ‘s psychoanalysis collected policy rate data from Quadrant Information Services. The rates used were source publicly from insurance company filings. The rates mentioned in this study should be used for comparative purposes alone, as your own quotes may be different .


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