Car Insurance for a 16-Year-Old

Teen drivers are among the most expensive drivers to insure, and finding cheap car insurance for a 16-year-old can be tricky. Refer to our guide below to save money on auto insurance for a 16-year-old, and start shopping for cheap coverage with our free comparison tool. Enter your ZIP code below to compare 16-year-old car insurance quotes for free.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 16, 2020

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Trying to find good, cheap car insurance for a 16-year-old is a daunting task. Because of their lack of driving experience, the new driver needs to have plenty of insurance. But because the risk of a claim is so high, insurance premiums for teens will always be much higher than for other age groups.

Take heart, there is good affordable car insurance available, and you can even play an active role in keeping the costs for auto insurance for a 16-year-old lower in the future.

Academics and Responsibility

Keeping your grades up will earn you a discount on car insurance. For the car insurance company, your high grades are a sign of maturity and responsibility, and that means a lower risk of accident claims. You can also take a driver education course and present the certificate of completion to your insurance agent for a discount that is mandatory and last for up to 5
years in some states.

Insurance and Your Car

The car you will be driving most of the time is another important factor in insuring a 16-year-old. Insurance companies are interested in safety and reducing risks, and there are a lot of opportunities for doing that when choosing a car. Here are some point to keep in mind about the car you drive and your insurance premiums:

  • 2-Door cars are more expensive to insure than 4-door sedans
  • Airbags reduce accident mortality and get insurance discounts
  • Anti-theft devices reduce the risks and your premiums
  • A no-frills car is cheaper to insure than one with 26-inch rims
  • Drive an old car that is paid for and you can drop collision coverage

Personalize Your Policy

The insurance needs of each person will be different. You can make changes to your policy that increase your safety, or reduce coverage to save money. Here are few things that can be modified on each policy and why they are important:

  • Raise your deductible. Higher deductibles mean lower premiums, but deductibles must be paid before the claim is settled.
  • Roadside assistance could be a lifesaver. Older cars break down, but you do not have to be stranded when it happens.
  • Remove optional coverage. Comprehensive coverage adds a lot to your premiums, but it may not be necessary with an older car.
  • Compare insurance quotes. Prices differ widely from one insurer to another.

Plan for the Future

As you get older and gain experience behind the wheel, your car insurance rates will be lower. You can help this by maintaining a safe driving history, and by staying out of trouble. Establish a credit history and keep your credit score high. Stay in school, because car insurance quotes are lower for people with a college education and there are even discounts based on the occupation you choose after college.

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