How much is auto insurance for a 16-year-old?
Auto insurance rates for a 16-year-old may be at least 100 times higher than an adult driver because of the increased risk. However, how much auto insurance is for your 16-year-old depends on a few factors. You can make sure that the car your teenager drives is safe, or use discounts.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Mar 10, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers 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 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: Mar 10, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Auto insurance rates for a 16-year-old driver might be double that of an adult driver, if not more
- Rates for a 16-year-old male tend to be higher than they would be for a 16-year-old female
- You can lower your rates by including your teen on your policy and taking advantage of specific discounts
How much is auto insurance for a 16-year-old? Specifically, how much is insurance for a 16-year-old male? If your teen is getting ready to earn their driver’s license, these questions may hound you daily.
The bad news is that your auto insurance rates will increase when you add a young driver to your insurance policy. You might pay even higher rates if you decide to purchase a separate policy for your teen.
What’s the good news? There are ways to manage your increased auto insurance rates, but they will still rise with a teen driver on board.
Read on to know how much your auto insurance rates might increase with a 16-year-old driver. And if you want to find rates from top auto insurance companies near you, enter your ZIP code into our free quote tool above.
How much is auto insurance for a 16-year-old on a single policy?
The average annual auto insurance rate is under $1,700, but a teen driver can double your auto insurance bill. Of course, you will notice that rates for teenaged males tend to be higher than those of teenaged females.
Look at these state-based auto insurance rates for a 16-year-old driver added to a parent’s policy:
How much is auto insurance for a 16-year-old? Auto Insurance Rates by State
| State | 16-Year-Old Male | 16-Year-Old Female |
|---|---|---|
| Alabama | $3,258.62 | $2,941.44 |
| Alaska | $2,780.51 | $2,319.01 |
| Arizona | $3,140.26 | $2,684.72 |
| Arkansas | $3,506.83 | $3,096.41 |
| California | $3,575.37 | $2,943.15 |
| Colorado | $3,528.54 | $3,231.37 |
| Connecticut | $4,883.67 | $4,222.07 |
| Delaware | $3,994.73 | $3,308.01 |
| District of Columbia | $3,901.91 | $3,352.71 |
| Florida | $4,025.80 | $3,491.93 |
| Georgia | $3,772.49 | $3,204.98 |
| Hawaii | $658.62 | $658.62 |
| Idaho | $2,110.40 | $1,846.44 |
| Illinois | $2,683.87 | $2,294.32 |
| Indiana | $2,736.24 | $2,354.35 |
| Iowa | $2,895.46 | $2,438.22 |
| Kansas | $2,835.86 | $2,500.38 |
| Kentucky | $4,560.11 | $4,056.46 |
| Louisiana | $5,407.76 | $4,637.59 |
| Maine | $2,317.31 | $2,317.31 |
| Maryland | $3,192.63 | $2,674.93 |
| Massachusetts | $2,124.45 | $1,829.41 |
| Michigan | $6,254.56 | $6,187.29 |
| Minnesota | $2,694.51 | $2,170.85 |
| Mississippi | $3,104.50 | $2,694.09 |
| Missouri | $3,115.15 | $2,916.75 |
| Montana | $2,717.50 | $2,746.88 |
| Nebraska | $1,469.66 | $1,477.75 |
| Nevada | $2,775.40 | $2,327.52 |
| New Hampshire | $2,545.50 | $2,242.80 |
| New Jersey | $3,208.38 | $2,794.14 |
| New Mexico | $3,094.71 | $2,756.25 |
| New York | $3,535.78 | $3,118.55 |
| North Carolina | $4,255.70 | $3,792.50 |
| North Dakota | $2,776.68 | $2,166.59 |
| Ohio | $2,445.03 | $2,145.31 |
| Oklahoma | $3,668.61 | $3,185.39 |
| Oregon | $3,428.06 | $3,187.10 |
| Pennsylvania | $2,433.11 | $2,467.17 |
| Rhode Island | $5,012.67 | $4,267.20 |
| South Carolina | $2,931.65 | $2,634.48 |
| South Dakota | $3,117.70 | $2,631.93 |
| Tennessee | $3,860.62 | $3,405.07 |
| Texas | $3,391.03 | $2,891.21 |
| Utah | $3,023.61 | $2,691.96 |
| Vermont | $2,194.27 | $1,820.47 |
| Virginia | $2,308.79 | $1,903.91 |
| Washington | $2,767.74 | $2,499.95 |
| West Virginia | $3,098.54 | $2,608.94 |
| Wisconsin | $2,786.05 | $2,385.43 |
| Wyoming | $2,575.31 | $1,960.11 |
The rates for a single auto insurance policy for a 16-year-old might be twice as high.
Read more: The Essential Cheap Iowa Auto Insurance Rates Guide
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How much is auto insurance for a 16-year-old among top companies?
And what is the cheapest insurance for a 16-year-old among top auto insurance companies? Here are sample rates:
How much is auto insurance for a 16-year-old? Auto Insurance Company Rates Comparison
| Company | 16-Year-Old Male | 16-Year-Old Female |
|---|---|---|
| Safeco | $1,364.10 | $1,161.50 |
| USAA | $1,660.64 | $1,414.01 |
| Farmers | $2,664.75 | $1,932 |
| Geico | $2,881.30 | $2,453.37 |
| Travelers | $3,046.81 | $2,594.30 |
| Liberty Mutual | $3,180.60 | $2,708.22 |
| Nationwide | $3,016 | $2,036 |
| Progressive | $2,640 | $1,989 |
| State Farm | $3,782 | $3,022 |
| Allstate | $3,185 | $2,357 |
Safeco’s rates are still reasonable, but you may see some of the steepest rate increases with State Farm and Allstate.
How much is insurance for a 16-year-old with a sports car?
If insurance rates can rise with a sports car, you can only imagine how much your rates will increase if you insure a sports car for a 16-year-old. Also, that depends on how auto insurance companies define sports cars.
Here are what your teen’s auto insurance rates may look like if you insure a sports car with the same top companies as above:
Sports Car Auto Insurance Rates for a 16-Year-Old
| Sports Car | 16-Year-Old Male | 16-Year-Old Female |
|---|---|---|
| Allstate | $5,886.73 | $5,012.44 |
| State Farm | $4,168.16 | $3,549.11 |
| Geico | $2,985 | $2,089 |
| Progressive | $3,353.01 | $2,855.02 |
| Nationwide | $3,286.80 | $2,798.65 |
| Farmers | $3,672 | $2,268.99 |
| Liberty Mutual | $5,610 | $4,561 |
| Safeco | $4,968 | $4,378 |
| Travelers | $3,508 | $2,616 |
| USAA | $1,818 | $1,756 |
As before, Allstate and State Farm may have some of the highest insurance rates. However, this time, Safeco’s rates rise sharply, as well.
Why is auto insurance so high for teenagers?
There are many factors that auto insurance companies consider when they set auto insurance rates. For instance, companies consider the car you drive, your age, your overall driving record, and where you live.
For teenagers, their age and lack of driving experience are two of the top factors determining their auto insurance rates. Teenagers also present a greater risk to other drivers based on the teens’ decision-making.
According to the Insurance Institute for Highway Safety, teen drivers in the United States are three times as likely to be involved in fatal car crashes than drivers aged 20 and older.
The Centers for Disease Control and Prevention cited this 2019 data from the IIHS website and discussed eight risk factors with teen drivers.
- Among these risk factors were the lack of seat belt usage, distracted driving, drowsy driving, reckless driving, and impaired driving.
- Nighttime driving also presents a challenge to younger drivers.
- Teenagers also tend to drive recklessly when they only have other teenagers as passengers.
In addition, teens who recently earned their driver’s licenses are the most likely to be involved in car accidents.
When you look at the statistics, you can understand why many state DMVs set limits to permit drivers to limit their nighttime driving. These departments also limit the number of teenaged passengers that the learning drivers can have per outing.
Read more: Do you need Auto Insurance for a driver who only has a permit?
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How can you lower your auto insurance rates with a 16-year-old driver?
There are three things you can do to limit how high your auto insurance rates will be while you insure your young driver:
- Discuss and practice safe driving behaviors.
- Look for discounts with your auto insurance company.
- Put your teen in a safer car.
Let’s explore these options further.
Practicing Safe Driving
As your teen is getting ready to drive, you will often serve as their primary supervising driver. Besides helping them study for required written driving exams, you can give them tips about safe and defensive driving. Also, you can enroll them in defensive driving courses, where available.
Safe Driving Discounts
A teen driver may earn auto insurance discounts for safe driving, earning good grades, staying away at college, and taking a defensive driving course. Some insurance companies will give you a discount just for adding a teen driver to your policy.
Some teenagers may also get accident forgiveness. However, that might only be available for 18-year-olds or 19-year-olds. Usually, companies limit accident forgiveness to drivers who have at least three years of good driving.
Driving Safer Cars
Sports cars often raise auto insurance rates because sports car owners may drive past the speed limit. These cars are also targets for theft. Your teen needs a car that will safely get them from A to B and may come with increased safety features.
Many newer models have safety features like lane-keeping assistance, rearview cameras, and emergency auto braking. And some insurance companies will give you discounts for having these features on your car.
These are just some things that can keep your teenager safe while making your auto insurance rate increase more manageable.
Now that you know more about how much auto insurance is for a 16-year-old, would you like to see rates from top auto insurance companies in your area? Enter your ZIP code into our free quote tool below to get started.
Frequently Asked Questions
How much can I expect to pay for auto insurance as a 16-year-old?
The cost of auto insurance for a 16-year-old can vary significantly depending on various factors. However, insurance premiums for young and inexperienced drivers tend to be higher due to the increased risk associated with this age group. On average, you can expect to pay more than an adult driver.
What factors influence the cost of auto insurance for a 16-year-old?
Several factors affect the cost of auto insurance for a 16-year-old. These may include:
- Age and driving experience: Younger drivers with limited experience often face higher rates.
- Gender: Statistically, male drivers tend to be involved in more accidents than female drivers, leading to potential differences in premiums.
- Location: Insurance rates can vary based on where you live due to factors like population density, traffic congestion, and crime rates.
- Vehicle type: The make, model, and age of the car you drive can impact your insurance rates.
- Driving record: A clean driving record with no accidents or traffic violations generally leads to lower premiums.
Are there any discounts available for 16-year-old drivers?
Yes, some insurance providers offer discounts that can help reduce the cost of auto insurance for 16-year-olds. Common discounts include:
- Good student discount: If you maintain good grades in school, you may qualify for a discount.
- Driver education discount: Completing a driver’s education course can make you eligible for a discount.
- Multi-policy discount: If you have other insurance policies, such as home or renters insurance, bundling them with your auto insurance can result in a discount.
- Safe driving programs: Some insurance companies offer programs that track your driving habits and reward safe driving behavior with lower rates.
How can I find affordable auto insurance for a 16-year-old?
To find affordable auto insurance for a 16-year-old, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Explore discounts: Inquire about any discounts you may be eligible for and choose an insurer that offers discounts relevant to your situation.
- Consider higher deductibles: Opting for a higher deductible can lower your premium, but be prepared to pay more out of pocket in case of an accident.
- Choose a safe and practical vehicle: Some cars are more expensive to insure, so selecting a safe and reliable vehicle with good safety ratings can help keep premiums more affordable.
- Encourage responsible driving: Emphasize the importance of safe driving habits and the potential impact on insurance premiums.
Should I add a 16-year-old to my existing policy or get separate coverage?
The decision to add a 16-year-old to your existing policy or get separate coverage depends on your specific circumstances. Adding them to your policy is generally more convenient and can potentially be more cost-effective if you qualify for multi-car or multi-driver discounts. However, in some cases, it might be more advantageous to explore separate coverage options, particularly if the 16-year-old has a poor driving record or if your existing policy has high rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed 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.