Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Feb 3, 2020

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Auto insurance can be expensive, especially when it comes to teen drivers. There are a lot of specifics that must be considered when costing out premiums for a 16-year-old driver, including the state in which you live, the car you drive as well as your experience behind a wheel.

Since you don’t have any driving record, it is a chance to start clean, though that doesn’t always help. The good news is, there are a lot of ways to keep the cost low, including following a number of helpful tips and making online comparisons.


Simply enter your ZIP code into the FREE comparison tool for easy auto insurance comparisons!

What goes into an insurance premium for 16-year-olds?

Every insurance quote starts out in the same manner. When you want to get an online quote, you will need the following information in front of you:

  • ZIP code
  • Year
  • Make
  • Model of car

The ZIP code will tell insurance companies two things. The first is to detail what the state you live in is. There are many states with specific laws revolving teenage drivers, including higher minimums on liability auto coverage.

By identifying the state, it will tell the online rate tool what the minimums are in order to provide you with an accurate quote.

The second aspect of the ZIP code is to tell the insurance company what area of the state you live in. Areas with higher accident rates and more traffic congestion are prone to higher insurance premiums.

The year, make and model of the car will tell the insurance company what safety equipment is on your car as well as how safe it is to drive. All cars are given a safety rating based on how they performed in crash tests. Sedans are often much higher rated than sports cars.

When you are trying to keep the cost of insurance low as a teenager, the more safety features the better.

If you haven’t bought your car yet, do some research on the safer cars out there to keep insurance costs as low as possible.

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How to Reduce the Cost of Insurance

While the average auto insurance premium for a 16-year-old is higher than that of a middle-aged adult, there are still plenty of things you can do to keep the cost manageable.

Pay Attention at School

Grades are a huge factor in some states and with some insurance companies. You may be able to get a discount by maintaining a certain GPA. This discount could make the difference in your insurance premium being affordable or not.

Take Driver’s Ed

Some states will require you to take a driver’s education before getting your license. Other states will highly recommend it in terms of being able to afford your auto insurance. You can choose to take the driver’s course in school if offered or on your own through any of the state-approved programs.

This demonstrates to the insurance company that you understand how your car operates and the rules of the road to avoid accidents.

Multi-car Discounts

If you were to get an insurance premium on your own, it may be very expensive. However, if you combine auto and home insurance, it could drop the premium price significantly. Insurance companies constantly offer discounts for multiple cars on a premium.

Talk to your parent or guardian to see if you can add your vehicle to their policy and pay the difference. It could save you a lot of money on a monthly basis.

Comparing Quotes for Teen Drivers

The only way to know if you’re getting a good discount as a teen driver or not is to do some comparisons. You can beat the odds regardless of what state you live in as a young driver if you know how to impact the insurance quotes.

Remember what goes into the cost of insurance. You can’t do anything about the ZIP code or state you live in but you may have control over the car you drive. Make sure it’s the safest car you can afford.

Online insurance quotes make the process of looking for insurance much faster.

You can get rates back within a few seconds of entering the information. More importantly, you can get comparisons from multiple companies all at once instead of having to visit each website on your own.

The first result of numbers will give you the insurance premium cost between several different companies. This gives you the chance to see who has the highest and lowest rates.

Before you make a decision strictly on price, you need to look at other options. Other features that an insurance company can offer you include:

  • 24/7 customer service
  • Online account maintenance
  • Discounts for no accidents
  • Good student discounts
  • Roadside assistance

All of these features can be complementary with your monthly premium. It can save you a significant amount of money and save you time, which may be worth a slightly higher premium.

Online insurance quotes are designed to help you find the average premium for a 16-year-old in your state. It’s also designed to help you find the most affordable premium. You just need to hone in on all factors.

Enter your ZIP code into the FREE auto insurance comparison tool below to view a list of auto insurance policies instantly!

References:

  1. http://www.consumerreports.org/cro/cars/safety-recalls/index.htm?EXTKEY=SG72C00&CMP=KNC-CROCARSG&HBX_OU=50&HBX_PK=car_safety_ratings

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