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Car Insurance For A 16 Year Old

If you’re curious about car insurance for a 16 year old male or female, you may be surprised to learn that there is a big difference in the average cost of insurance for teens depending on whether they are added to their parent’s policy or get their own coverage. For example, the average price for a 16 year old boy in California, Texas, New York and Florida is over $5,000, but only $2,000 when on a family policy. Furthermore, researching how much is car insurance for a 16 year old really depends on a number of factors, including your state’s minimum coverage requirements, the potential to get a good student discount, the company you buy your policy from, and whether your teenager is male or female.

In fact, because male drivers are generally higher risk, the difference in average car insurance rates for 16 year old males versus females is almost $1,000. However, there are ways to get cheap car insurance for 16 year-olds. Below, we’ll detail the average insurance premiums for a 16 year old by state and gender as well as guide you to finding the best quotes, coverage, and companies.

Car Insurance For A 16 Year Old

How Much Is Car Insurance For A 16 Year Old?

Calculating how much insurance costs for a 16 year old requires a few assumptions. While the only way to get the exact price of auto coverage for your teen male or female is to get free insurance quotes online, we can provide you with average rates.

The rates below for a separate teen policy are based on a 2017 Honda Accord with $100,000 for injury liability on one person, $300,000 for all injuries in one accident, $100,000 for property damage, and a $500 deductible.

Car Insurance For A 16 Year Old Female

Here is the average car insurance cost for a 16 year old female driver. You’ll quickly notice higher rates for the individual teen policy versus the parent’s policy.

StateTeen RatesParents' RatesCombined Family Premiums
Alabama$480012173077
Alaska$397011882998
Arizona$440010092654
Arkansas$485012772881
California$550014614173
Colorado$512510952480
Connecticut$800015974403
Delaware$750015383749
District of Columbia$710016283085
Florida$550014633328
Georgia$440012102899
Hawaii$140011041121
Idaho$35008222300
Illinois$43509902709
Indiana$52009502201
Iowa$36009392279
Kansas$460011412454
Kentucky$610011772630
Louisiana$720016454546
Maine$35507581749
Maryland$430012602991
Massachusetts$480014693228
Michigan$932022975172
Minnesota$462012702409
Mississippi$512012182740
Missouri$404010392098
Montana$536013212935
Nebraska$370010352211
Nevada$551011132463
New Hampshire$35608652152
New Jersey$643013483808
New Mexico$475011252299
New York$450013362940
North Carolina$29508362408
North Dakota$450013652306
Ohio$40507631627
Oklahoma$633014052774
Oregon$630011102422
Pennsylvania$457012523046
Rhode Island$622821174653
South Carolina$458410552435
South Dakota$440210802057
Tennessee$579512562640
Texas$544114163186
Utah$47129351994
Vermont$32909002032
Virginia$36838492072
Washington$428810752459
West Virginia$432315343485
Wisconsin$54978631992
Wyoming$413312372875

Car Insurance For A 16 Year Old Male

Here are the average car insurance rates for a 16 year old male. For starters, the cost of insurance is much higher for teen males versus females. This also means that families can save a lot of money by adding their 16-year-old teen drivers to a parent’s policy.

StateTeen RatesParents' RatesCombined Family Rates
Alabama$602112173966
Alaska$477911883771
Arizona$530910093313
Arkansas$552712773238
California$689014615633
Colorado$584010952849
Connecticut$975015975431
Delaware$923515384562
District of Columbia$871516283969
Florida$635514634370
Georgia$565712103626
Hawaii$137311041121
Idaho$43698222867
Illinois$52809903352
Indiana$63509502598
Iowa$43249392689
Kansas$538011412873
Kentucky$698211773575
Louisiana$913316455340
Maine$44747582135
Maryland$530612603846
Massachusetts$480514693228
Michigan$914522975274
Minnesota$582212702999
Mississippi$575112183120
Missouri$486910392713
Montana$528213212935
Nebraska$452310352842
Nevada$636611132838
New Hampshire$46468652748
New Jersey$736513484377
New Mexico$548311252633
New York$564413363699
North Carolina$29488362408
North Dakota$603913653211
Ohio$46287631887
Oklahoma$750214053238
Oregon$693011102731
Pennsylvania$456912523046
Rhode Island$759621176848
South Carolina$543910552913
South Dakota$536210802462
Tennessee$694012563122
Texas$653714163882
Utah$54839352336
Vermont$41969002544
Virginia$45008492504
Washington$486010752813
West Virginia$527415344342
Wisconsin$67588632378
Wyoming$513012373475

Cheap Car Insurance For 16 Year Olds

For parents looking to buy the cheapest car insurance for a 16 year old, male or female, the lowest rates are usually associated with policy’s that meet the minimum coverage required by the state you live in. While the premiums will be cheap, the policy will also offer limited protection. Also known as liability insurance, this type of coverage pays for injuries, medical bills and repairs incurred by other vehicles and drivers during an accident.

Here’s how much minimum liability auto insurance will cost, on average, per year in different states.

Cheap Car Insurance For 16 Year Olds

Cheap Car Insurance For A 16 Year Old Girl

Here is how much cheap car insurance for a 16 year old girl will cost!

StateAverage Minimum Car Insurance Rates
Alabama$1690
Alaska$1250
Arizona$1780
Arkansas$1680
California$1535
Colorado$2300
Connecticut$5045
Delaware$3690
District of Columbia$3120
Florida$2415
Georgia$1650
Hawaii$475
Idaho$1320
Illinois$1775
Indiana$2175
Iowa$1205
Kansas$1668
Kentucky$2304
Louisiana$2579
Maine$1378
Maryland$2080
Massachusetts$2122
Michigan$7640
Minnesota$2546
Mississippi$1770
Missouri$1471
Montana$1485
Nebraska$1371
Nevada$1965
New Hampshire$1400
New Jersey$2905
New Mexico$1770
New York$2124
North Carolina$1170
North Dakota$1335
Ohio$1816
Oklahoma$2239
Oregon$3455
Pennsylvania$1650
Rhode Island$2569
South Carolina$1780
South Dakota$1294
Tennessee$2190
Texas$1965
Utah$2091
Vermont$1034
Virginia$1358
Washington$1888
West Virginia$1593
Wisconsin$1843
Wyoming$1260

Cheap Car Insurance For A 16 Year Old Boy

Here is how much cheap car insurance for a 16 year old boy will cost!

StateAverage Minimum Car Insurance Rates
Alabama$1995
Alaska$1410
Arizona$2045
Arkansas$2015
California$1900
Colorado$2515
Connecticut$6470
Delaware$4770
District of Columbia$3725
Florida$2690
Georgia$2130
Hawaii$475
Idaho$1565
Illinois$2146
Indiana$2633
Iowa$1423
Kansas$1839
Kentucky$2553
Louisiana$3081
Maine$1639
Maryland$2500
Massachusetts$2120
Michigan$7620
Minnesota$2840
Mississippi$1865
Missouri$1721
Montana$1480
Nebraska$1610
Nevada$2276
New Hampshire$1775
New Jersey$3061
New Mexico$2007
New York$2587
North Carolina$1170
North Dakota$1584
Ohio$2072
Oklahoma$2600
Oregon$3678
Pennsylvania$1650
Rhode Island$3088
South Carolina$2041
South Dakota$1513
Tennessee$2552
Texas$2341
Utah$2401
Vermont$1275
Virginia$1613
Washington$2126
West Virginia$1846
Wisconsin$2227
Wyoming$1522

How To Get The Best Car Insurance Quotes For A 16 Year Old

Although buying your 16 year old auto insurance isn’t going to be nearly as affordable as insuring an experienced, low-risk driver, there are some ways parents can lower their premiums.

  • Let your 16 year old drive an old car. Older cars are naturally cheaper to insure, and the best car insurance companies will account for this by offering you a lower rate. Similarly, an old family sedan or van will get you lower rates than a sports car so think about a Toyota Camry, Honda Accord, Subaru Forester, Jeep Cherokee, Honda CRV, etc.
  • Wait a year to let your child drive. Your teen’s age plays a huge role in determining his or her rates.  A 17 year-olds insurance price is roughly $300 to $500 cheaper than a 16 year-olds.
  • Ask for a Good Student Discount. If your teen boy or girl is a good student with a 3.0 GPA (“B”) or above, then your insurance company may provide you with a discount. Your carrier will likely request to see proof, such as a transcript, but the extra effort could be work up to $500 per year in savings.
  • Get the Defensive Driver Discount. Statistics show that young drivers who have taken a professional driving class are less likely to get tickets or into an accident. Ask your insurance company about the discount before enrolling in a course.
  • Maintain a clean driving record. The best way to save the most amount of money on your insurance premiums is to keep a clean driving history for life. Traffic tickets, at-fault accidents, DUIs, texting while driving, racing, and other incidents can increase your rates for years to come.

Finally, the last step to getting car insurance for a 16 year old is to shop around. Buying good coverage for a low price ultimately comes down to comparing quotes online to find the cheapest companies. If you complete an insurance comparison and find lower rates at another company, you don’t even have to switch insurers. Use the other carrier’s affordable premiums and negotiate with your existing provider.