Auto Insurance for 16-Year-Olds (2024)
Adding car insurance for a 16-year-old driver costs $315/month ($3,775/year), but gender can affect rates. The cost of auto insurance for a 16-year-old male is an average of 17 percent higher than the average insurance costs for a 16-year-old female. Compare rates here and look for discounts to save on teenage auto insurance average costs.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Nov 1, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Auto insurance is higher for teenagers because they lack experience driving
- Female teens typically pay cheaper rates than male teenagers because statistically, they are safer
- Keeping a teenager on their parent’s insurance policy can help to keep 16-year-old auto insurance rates low
How much is auto insurance for a 16-year-old? Are rates higher for young drivers? How can parents lower the average insurance cost for a 16-year-old?
If you’re a parent of a teen driver, these are important questions for you to answer, because driving without insurance could cost you significantly more than the often-high insurance rates for teen drivers.
Younger teens have an advantage: The average insurance cost for 16-year-olds is lower than that for older teenage drivers because auto insurance companies assume they are still full-time high school students who are not driving all that frequently.
Additionally, auto insurance discounts are often available for good students or students enrolled in defensive driving courses. Although it might be difficult to find cheap auto insurance rates for 16-year-old drivers, discounts can help decrease those rates.
Read this article to learn more about the average auto insurance costs for 16-year-olds, average auto insurance costs for 16-year-old females, average insurance rates for 16-year-old males, ways to lower the overall cost of insurance for 16-year-olds, and more.
To get the best rates, parents should shop around. Enter your ZIP code in our free tool to compare auto insurance rates for 16-year-olds from multiple companies. Which auto insurance company for a 16-year-old is best for you? Find out now.
Auto Insurance for a 16-Year-Old Driver
It’s natural for parents to worry that they won’t afford auto insurance when their teen finally does get their license.
Since auto insurance companies consider teenagers to be a different driver type than the average driver, teenage auto insurance costs are higher on average.
Fortunately, there is affordable auto insurance for 16-year-olds available if you know what to look for.
While it’s true that auto insurance for a 16-year-old female driver, for example, will be a little more expensive than insurance for their parents, it’s still manageable under most circumstances, though different factors will affect those rates.
What if my 16-year-old drives a Corvette or a Camaro or a Porsche? Will that increase the cost of 16-year-old auto insurance rates? Short answer: YES. What about auto insurance for a 16-year-old boy versus a girl of the same age?
Keep reading to learn more about auto insurance for 16-year-old males and females.
What is the average insurance cost for a 16-year-old?
This table summarizes how much you may pay when adding a teen driver to your insurance policy.
Average Annual Auto Insurance Rate Increase When Adding a Child by State
| States | Average Annual Rates for Adult Only | Average Annual Rates with a Teen Added | Percent Rate Increase |
|---|---|---|---|
| Idaho | $1,019 | $2,812 | 176% |
| Indiana | $1,057 | $2,538 | 140% |
| Iowa | $1,073 | $2,570 | 140% |
| North Dakota | $1,123 | $2,688 | 139% |
| Wisconsin | $1,147 | $3,011 | 163% |
| New Hampshire | $1,156 | $3,406 | 195% |
| Vermont | $1,166 | $2,978 | 155% |
| North Carolina | $1,170 | $2,608 | 123% |
| Illinois | $1,176 | $3,635 | 209% |
| Utah | $1,212 | $3,243 | 168% |
| New York | $1,214 | $3,347 | 176% |
| Alaska | $1,246 | $3,600 | 189% |
| South Dakota | $1,250 | $2,776 | 122% |
| Hawaii | $1,255 | $1,292 | 3% |
| Nebraska | $1,287 | $3,449 | 168% |
| Missouri | $1,288 | $2,978 | 131% |
| Alabama | $1,304 | $3,504 | 169% |
| Washington | $1,307 | $3,323 | 154% |
| Oregon | $1,325 | $3,456 | 161% |
| Minnesota | $1,339 | $3,392 | 153% |
| Tennessee | $1,339 | $3,487 | 160% |
| South Carolina | $1,353 | $4,230 | 213% |
| Arizona | $1,399 | $4,463 | 219% |
| Kansas | $1,412 | $3,300 | 134% |
| New Jersey | $1,419 | $4,590 | 223% |
| Pennsylvania | $1,438 | $3,142 | 118% |
| West Virginia | $1,467 | $3,766 | 157% |
| Oklahoma | $1,469 | $3,446 | 135% |
| New Mexico | $1,498 | $3,991 | 166% |
| Mississippi | $1,504 | $3,671 | 144% |
| Maryland | $1,541 | $4,280 | 178% |
| Arkansas | $1,556 | $4,021 | 158% |
| Wyoming | $1,577 | $3,830 | 143% |
| Nevada | $1,578 | $4,785 | 203% |
| Montana | $1,589 | $3,230 | 103% |
| Kentucky | $1,611 | $3,903 | 142% |
| Massachusetts | $1,616 | $3,964 | 145% |
| Texas | $1,644 | $4,387 | 167% |
| Colorado | $1,675 | $4,082 | 144% |
| California | $1,783 | $5,660 | 217% |
| Georgia | $1,815 | $5,343 | 194% |
| Delaware | $1,838 | $4,503 | 145% |
| DC | $1,887 | $5,261 | 179% |
| Connecticut | $1,980 | $5,167 | 161% |
| Rhode Island | $2,011 | $5,829 | 190% |
| Louisiana | $2,228 | $7,007 | 214% |
| Florida | $2,250 | $5,496 | 144% |
| Michigan | $2,368 | $6,217 | 163% |
| Maine | $884 | $1,977 | 124% |
| Ohio | $959 | $1,931 | 101% |
| Virginia | $993 | $2,974 | 199% |
| National Average | $1,447 | $3,775 | 161% |
As you can see, the average cost of adding a 16-year-old driver to your auto insurance policy can vary dramatically by state, but in nearly every case, rates more than double when adding a teen driver.
Read on to learn more about why auto insurance is so expensive for teen drivers, the difference in rates based on gender, and more.
How much is car insurance for a 16-year-old female vs. male?
How much can I expect to pay for car insurance for a 16-year-old female? How much is auto insurance for a 16-year-old boy? How do I find the cheapest auto insurance for a 16-year-old?
Take a look at the following rate data in which we note the 10 cheapest states for teen drivers (the data focuses on 17-year-old drivers since we don’t have data for 16-year-olds specifically):
10 Cheapest States for Teen Auto Insurance Rates
| States | Average Annual Rates | Cheapest Company for 17-Year-Old Males | Cheapest Company's Average Annual Rates for 17-Year-Old Males | Cheapest Company for 17-Year-Old Females | Cheapest Company's Average Annual Rates for 17-Year-Old Females |
|---|---|---|---|---|---|
| Hawaii | $2,696.83 | State Farm | $1,040.28 | State Farm | $1,040.28 |
| North Carolina | $5,371.26 | Liberty Mutual | $3,197.53 | Liberty Mutual | $3,197.53 |
| Maine | $5,416.09 | USAA | $3,133.89 | Geico | $2,470.79 |
| Alaska | $5,553.69 | USAA | $5,168.23 | State Farm | $4,158.62 |
| Wyoming | $5,828.93 | Liberty Mutual | $4,046.51 | Liberty Mutual | $3,605.13 |
| Massachusetts | $6,016.14 | State Farm | $2,583.99 | State Farm | $2,583.99 |
| Montana | $6,092.26 | Liberty Mutual | $2,064.28 | Liberty Mutual | $2,064.28 |
| Wisconsin | $6,206.76 | American Family | $3,134.61 | American Family | $2,844.04 |
| Iowa | $6,304.29 | USAA | $3,553.41 | USAA | $3,345.84 |
| Idaho | $6,306.32 | USAA | $4,046.57 | USAA | $3,611.65 |
It’s interesting to note that countrywide, the company with the most affordable auto insurance rates for 16-year-old drivers is Nationwide.
Better driving records and other factors can affect rates. For example, according to some research, the average annual rate is around $1,000 for a teen driver who meets the following criteria:
- A 16-year-old female
- With no accidents or violations
- Driving her parents’ vehicle
- On her parents’ policy
That number obviously goes up if she has her own car or has a history of accidents or violations. For a male counterpart, the average number can be even higher.
Keep in mind that these ballpark figures apply to 16-year-old high school students still living at home.
When the child turns 18 their rates will most likely go up because they’re prone to do more driving at that time.
Of course, as soon as they move out on their own, teens will be paying the full car insurance rate as applied to any independent auto insurance policy.
Is it cheaper to add a 16-year-old to the family auto insurance policy or get an individual policy?
In order to get the lowest auto insurance rates for your teenager, it’s best to keep them on your policy as long as possible (though this will, of course, increase your rates).
For example, 16-year-old boys can see up to a 50 percent reduction in rates just by being insured under their parents’ insurance policy rather than on their own. Take a look at this table to see average savings by state.
Average Annual Auto Insurance Rate Savings by State for a 16-Year-Old Driver on a Family Plan vs. on an Individual Plan
| States | Average Annual Rate for a 16-Year-Old Driver Insured Alone | Average Annual Rate for a 16-Year-Old Driver on a Family Insurance Plan | Average Savings for a 16-Year-Old Driver on a Family Plan (%) |
|---|---|---|---|
| Hawaii | $1,082 | $1,127 | -3.99% |
| North Carolina | $2,112 | $1,908 | 10.69% |
| Iowa | $2,843 | $1,674 | 69.83% |
| Maine | $3,297 | $1,662 | 98.38% |
| Texas | $3,300 | $3,389 | -2.63% |
| Virginia | $3,373 | $1,745 | 93.30% |
| Vermont | $3,567 | $2,069 | 72.40% |
| Indiana | $3,600 | $1,910 | 88.48% |
| New Hampshire | $3,797 | $2,279 | 66.61% |
| Wyoming | $4,070 | $2,276 | 78.82% |
| Minnesota | $4,260 | $2,460 | 73.17% |
| Illinois | $4,283 | $2,111 | 102.89% |
| Nebraska | $4,295 | $1,885 | 127.85% |
| Idaho | $4,332 | $1,892 | 128.96% |
| Pennsylvania | $4,333 | $2,483 | 74.51% |
| Wisconsin | $4,352 | $1,822 | 138.86% |
| Alaska | $4,356 | $2,536 | 71.77% |
| Maryland | $4,387 | $2,429 | 80.61% |
| Ohio | $4,394 | $1,730 | 153.99% |
| South Carolina | $4,443 | $2,543 | 74.71% |
| North Dakota | $4,551 | $2,085 | 118.27% |
| New York | $4,696 | $2,838 | 65.47% |
| Utah | $4,752 | $2,317 | 105.09% |
| New Mexico | $4,759 | $2,648 | 79.72% |
| Massachusetts | $4,842 | $2,612 | 85.38% |
| Kansas | $5,023 | $2,454 | 104.69% |
| Oregon | $5,158 | $2,467 | 109.08% |
| Montana | $5,173 | $2,517 | 105.52% |
| Mississippi | $5,195 | $2,672 | 94.42% |
| South Dakota | $5,200 | $2,206 | 135.72% |
| Washington DC | $5,305 | $3,145 | 68.68% |
| Alabama | $5,364 | $2,670 | 100.90% |
| Washington | $5,669 | $2,321 | 144.25% |
| Oklahoma | $5,682 | $2,923 | 94.39% |
| New Jersey | $5,686 | $2,994 | 89.91% |
| Tennessee | $5,703 | $2,455 | 132.30% |
| Colorado | $5,714 | $2,743 | 108.31% |
| Arizona | $5,745 | $2,905 | 97.76% |
| Arkansas | $5,764 | $2,548 | 126.22% |
| Missouri | $5,872 | $2,339 | 151.05% |
| West Virginia | $5,875 | $3,008 | 95.31% |
| Georgia | $6,024 | $2,653 | 127.06% |
| Florida | $6,087 | $3,544 | 71.76% |
| California | $6,160 | $3,892 | 58.27% |
| Connecticut | $7,083 | $3,078 | 130.12% |
| Delaware | $7,114 | $3,260 | 118.22% |
| Nevada | $7,461 | $3,811 | 95.78% |
| Rhode Island | $7,778 | $4,598 | 69.16% |
| Kentucky | $7,821 | $3,538 | 121.06% |
| Michigan | $8,821 | $4,379 | 101.44% |
| Louisiana | $11,018 | $4,295 | 156.53% |
As you can see, when you factor in average rates for both male and female 16-year-old drivers, the savings are even greater on a family insurance plan.
In most states, you can keep your children on a family insurance plan through age 21, provided they are in college and still count your home as their primary residence.
A few states are more generous, allowing parents to keep kids on their policy until age 26.
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Factors that Affect Auto Insurance Rates for Teenagers
Many different factors affect auto insurance rates, and age is a big one.
Keep reading to learn how age and vehicle will affect auto insurance rates and how to save on car insurance for a 16-year-old.
How does age affect auto insurance rates?
There are several reasons why the auto insurance premium for teenagers is higher than that of their parents.
The first, and most obvious, is the fact that teenagers simply lack experience behind the wheel.
Where their parents have logged many hours of driving, a 16-year-old will usually have driven fewer than 100 hours by the time they take their road test.
100 hours seems like a long time for some activities, but for driving, it’s not even a drop in the bucket.
Another reason for higher car insurance rates among teenagers is the assumption that they are more careless behind the wheel.
Whether or not you believe this is a justified stereotype, the Center for Disease Control (CDC) reports that in 2017, an average of six teenagers (between 16 and 19) died as a result of motor vehicle crashes every day.
And when looking at all motor vehicle accidents (both those that resulted in fatalities and those that did not), drivers between the ages of 15 and 19 accounted for about 8 percent of the total cost of injuries resulting from an accident.
But these teen drivers only represent about 6.5 percent of the population in the U.S., thus proving they are more dangerous drivers than the general population.
Government statistics consistently show that of all car accidents on U.S. highways each year, over two-thirds are caused by teen drivers.
Such a high number clearly indicates that teenage drivers are riskier to cover.
Does the car my 16-year-old drives affect auto insurance rates?
Twenty years ago this question may have been irrelevant because most teenagers drove their parents’ cars.
In today’s culture, though, it’s becoming more and more common for parents to buy their children separate cars so the kids aren’t tying up theirs.
Keep in mind that the make and model of your child’s car impact car insurance rates.
If you buy your 16-year-old a brand-new sports car, you’ll probably be paying significantly more in insurance than you would on a 20-year-old family sedan or similar vehicle.
Along with the car’s actual value, you also need to consider the safety record. For example, vehicles with off-road capability are automatically considered more dangerous.
Putting your teenage driver behind the wheel of one of these vehicles is a virtual guarantee you’ll pay more for auto insurance than you really need to. If you’re buying your child a vehicle, try looking for the safest ones on the market.
Finally, consider the value of your own vehicles if you plan on your teenager driving one of them. You and your spouse will be the primary drivers of your respective vehicles, but when adding your teen to the policy, you should assign them to the one with the least value.
Ways to Save on Auto Insurance for 16-Year-Olds
Just like with an adult’s auto insurance policy, there are multiple ways to save on auto insurance for a 16-year-old. Keep reading to learn some tips on saving money on auto insurance.
Can 16-year-olds get discounts on auto insurance?
One way to find low-cost auto insurance for 16-year-old drivers is with discounts. We’ve summarized a few of the available auto insurance discounts your teen may qualify for in this table. Take a look.
Auto Insurance Discounts for Young Drivers
| Insurance Companies | Distant Student Discount Offered | Driver's Ed Discount Offered | Good Student Discount Offered |
|---|---|---|---|
| 21st Century | No | Yes | Yes |
| AAA | Yes | Yes | Yes |
| Allstate | Yes | Yes | Yes |
| American Family | Yes | Yes | Yes |
| Ameriprise | Yes | No | Yes |
| Amica | Yes | Yes | Yes |
| Country Financial | No | Yes | Yes |
| Esurance | No | Yes | Yes |
| Farmers | Yes | Yes | Yes |
| Geico | Yes | Yes | Yes |
| Liberty Mutual | No | Yes | Yes |
| MetLife | No | Yes | Yes |
| Nationwide | Yes | No | Yes |
| Progressive | Yes | Yes | Yes |
| Safe Auto | No | Yes | Yes |
| Safeco | Yes | Yes | Yes |
| State Farm | Yes | Yes | Yes |
| The General | No | Yes | Yes |
| The Hanover | Yes | Yes | Yes |
| The Hartford | Yes | Yes | Yes |
| Travelers | Yes | Yes | Yes |
| USAA | Yes | Yes | Yes |
As you can see, most of the major companies offer some kind of discount for teen drivers, which can help you manage costs when you add a teen driver to your policy.
What are other ways to save on auto insurance for 16-year-olds?
In addition to discounts, there are some other ways to save money on auto insurance for teens. Some of them are:
- Keeping the teen’s driving record clean with no tickets or accidents.
- Not filing a claim unless you need to. If you can pay for damages from an accident out of pocket, it will keep insurance rates low.
- Buying a car that is cheaper to insure.
- Carrying only the basic liability insurance required by your state.
- Keeping your deductibles high, which in turn lowers your rates.
When your teen begins the process of getting a driver’s license, start looking around for auto insurance. Each company will charge a different rate, so compare quotes from multiple companies to get the best deal.
How much is auto insurance for a 16-year-old?: The Bottom Line
Once your teen is licensed, they will need insurance in order to drive any vehicle you already own or choose to purchase for them.
Rates for 16-year-old drivers can be quite expensive, though shopping for the best rates and finding available discounts (good student discounts, for example) are two ways to manage the high costs.
If your teen driver is a 16-year-old boy, you’ll find that the insurance rates you’ll pay will be an average of 17 percent higher than rates for 16-year-old girls.
Another way to save is to add your teen to your family auto insurance policy, rather than to insure them separately. This can save 50 percent or more on rates.
Are you ready to buy auto insurance for a 16-year-old? For the best auto insurance for 16-year-old, compare auto insurance quotes for a 16-year-old right now by entering your ZIP code in our free tool.
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Frequently Asked Questions: How much is auto insurance for a 16-year-old?
Still have questions about the cost of auto insurance for your teen driver? Read these frequently asked questions for more information.
#1 — What are the state minimum requirements for auto insurance for teen drivers?
Are teen drivers required to have auto insurance?
In general, the answer is yes because any driver on the road is typically required to be insured with at least the minimum coverage amount required by the state in which they reside.
However, you can check your local laws to find out for sure (often, teens still learning to drive aren’t technically required to be insured).
Regardless of what your state laws are, it’s still a good idea to insure your teen drivers, especially if they plan to get behind the wheel of one of your vehicles.
#2 — What kind of auto insurance coverage should I purchase for my 16-year-old driver?
As we noted above, at a minimum, you’ll need to make sure your teen has the legally required liability coverage in your state.
But you can also choose to add comprehensive and collision coverage, though this will increase the cost of insurance.
When it comes to auto insurance for your teen driver, there are many different options. Make sure to compare rates and see which insurance company is the right fit for your child and family. Check out our online comparison tool to discover auto insurance quotes today!
Can I get my own car insurance at 16?
If you are a brand new driver or getting ready to take your driver’s test, you may be wondering if you need to get your own car insurance when you begin driving and can you be denied auto insurance.
It’s easy to use our comparison tool for car insurance quotes; just enter your ZIP code here!
Do I need insurance?
If you still have your permit, you may not need to do anything. You are probably automatically covered under your parents’ insurance. If you are concerned about this, simply ask your parents to contact their car insurance company to see if it is necessary to report you on their insurance.
If you already have your license, then you do need to be covered, as this is required by law in every state except New Hampshire and Virginia.
There are even laws in those two states as well, but they do not need actual car insurance.
When you turn 16, you are still able to be counted on your parent’s insurance, but you will need to make sure you are registered under their policy.
If your mom or dad has not informed your insurance company yet, you should ask them to call to find out.
It is against the law to fail to have insurance when driving, and you may be asked to provide your insurance information at any time. You must also carry proof of insurance in your car with you at all times.
But if you are still under 21 and are living at home, you are fully covered by being listed on your parents’ car insurance.
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How to Be Legal While Driving
Once you discover that you are indeed on your parents’ insurance, you will just need to follow these steps to be legal on the road:
- Get a copy of your insurance card – Even if you are fully covered by your parent’s insurance, you will still need a copy of your coverage to carry with you at all times. You also have a responsibility to make sure your parents’ coverage meets the mandatory requirements of your state.
- Make sure the car insurance company has your information – Some teens who are covered by their parent’s insurance do not yet own their vehicle. But if you already have a car, you will need to make sure your car with make and model are indicated on your insurance that you have through your parents.
- Insurance follows the car – You will only have the amount of coverage that your parent has on the vehicle you are driving. Some additional coverage you might want could include roadside assistance or comprehensive coverage.
- Keep a clean driving record – One of the biggest mistakes young drivers make is that they get through their driver’s test fine but then mess up their driving record too soon by distracted/reckless driving When you get your own insurance, these bad behaviors will come back to haunt you.
What if I have an accident?
If you have a car accident, traffic violation, or other problem while driving, your parents’ insurance will go up, which is why some insurance companies recommend that parents keep their children on their insurance until they are 21.
There is a motivation among teens to watch their driving habits more if their parents are going to be immediately notified about it via their insurance.
Which is cheaper: my parents’ insurance or mine?
You will want to dig in and do some of your own research to find out which insurance is cheaper. It helps to use sites like ours to look at the various types of insurance coverage and companies.
Then — to make sure you cover all of the bases — create a list of the types of coverage you will need.
You will usually find that your parents’ insurance will go up when they add you to their insurance.
However, as long as your driving record remains clean, it should not affect it a great deal.
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What will happen when I get my insurance?
Once you go with your insurance, you will pay much more per month due to carrying your car on your individual insurance.
The idea of staying on your parent’s insurance until you are at least 21 is good because it puts you on your parent’s insurance until you get out of the higher-risk group.
The 21-24 age group is also a high-risk group, but you may be able to get some discounts once you reach that age.
Talk to Your Parents
Communicate with your parents about your insurance options to determine the best course of action.
Whether you get your own insurance should be partly based on whether you are getting your own vehicle.
Technically, you can stay on your parent’s insurance even with your car, but talking to your parents about this can help you make a better decision.
Best Advice of All
The best advice for a new driver is to keep your eyes on the road, avoid distractions, and think about the future. The future may involve a lot of things, such as who your friends will be, where you will go to college, and your future job or career.
But the most important thing is that you drive safely so that you will live to see that future and avoid legal problems.
Driving safely and defensively also protects you from exorbitant premium rates later when you get your car and insurance. Think of this time as a time to test drive your responsibility on the road.
But remember, it’s not a game.
If you or your parents are in need of car insurance, click here to get car insurance quotes!
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Frequently Asked Questions
What are the state minimum requirements for auto insurance for teen drivers?
The state minimum requirements for auto insurance for teen drivers vary by state. It’s important to check the specific requirements in your state to ensure compliance with the law.
What kind of auto insurance coverage should I purchase for my 16-year-old driver?
The type of auto insurance coverage you should purchase for your 16-year-old driver depends on your individual circumstances. However, it is generally recommended to have liability coverage, which helps cover damages to other people’s property or injuries caused by your 16-year-old driver.
Can I get my own car insurance at 16?
The ability to get your own car insurance at 16 can vary depending on the insurance company and state regulations. Some insurance companies may allow it, but it’s advisable to discuss this with insurance providers directly.
Do I need insurance?
Yes, it is a legal requirement to have auto insurance in most states. Driving without insurance can lead to penalties and financial consequences. It’s essential to ensure you have adequate insurance coverage for your 16-year-old driver.
Does the car my 16-year-old drives affect auto insurance rates?
Yes, the type of car your 16-year-old drives can affect auto insurance rates. Sports cars or vehicles with higher horsepower tend to have higher insurance rates.
Can 16-year-olds get discounts on auto insurance?
Yes, 16-year-olds can qualify for discounts on auto insurance. Good student discounts or discounts for completing defensive driving courses are commonly available.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.