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.
Free Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 16, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
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.