What are the cheapest cars to insure for a 16 year old girl or boy?

In most situations, the best car for a teen driver is an older, larger vehicle. These types of cars don't carry the social prestige of a brand new sports car, but they do have a few traits that can save money on car insurance. There is no getting around the fact that a teen driver is less experienced in the rules of the road, and more likely to become involved in accidents. This causes teen insurance to be some of the highest risk insurance, and makes shopping for a car that can be insured cheaply an important factor.

For one thing, an older car is generally paid for in cash, or has a very low payment schedule. This means that even if the vehicle is totaled in an accident, the cost to replace it is going to be negligible compared to a new car payment that could be several thousand dollars higher than the book value of the car. If possible, pay for the insurance policy in a single cash payment as well, which can save additional money, regardless of the type or age of the vehicle.

Next, a large car provides the teen with additional insulation against collisions. Even a newer minivan is considered safer than a brand new compact. For insurance companies, the reduced mortality and injury rate in large cars means less risk, even for teens, and that equates to lower premiums. The risk of the teen driver, whether it is a boy or a girl, is still there, but the danger of serious injury is diminished.

Even though they look cool, teen drivers should avoid sports cars. The risk level skyrockets for a teen driver in a car meant to be sleek and fast, presumably because the teen driver is more likely to ignore post speed limits in order to "test' the power of his or her vehicle. Additionally, the mortality rate of accidents involving sports cars driven by anyone is much higher than among larger, slower vehicles. These cars are often built with fewer safety features, and use thinner, lighter materials designed to boost performance, not safety.