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When it comes to car insurance for 16-year-old drivers, the cost can vary depending on the coverage levels chosen. On average, car insurance for 16-year-old drivers can cost around $192 per month for state minimum liability only coverage. Opting for 50/100/50 liability coverage can increase the average cost to $231 per month. For more comprehensive coverage – Full coverage, the average cost jumps to $591 per month.

Coverage LevelAverage monthly premium
State Minimum Liability Only$192
50/100/50 Liability Only$231
Full Coverage$591

How much is car insurance for 16-year-old female and male per month

Gender can also play a role in determining car insurance rates for 16-year-old drivers. On average, 16-year-old females can expect to pay around $523 per month for car insurance, while their male counterparts may face slightly higher rates  at $591 per month.

GenderAverage monthly premium
Female$523
Male$591

How average car insurance rates for 16-year-old vary by state

Car insurance rates for 16-year-old drivers can vary significantly depending on the state they reside in. For example, in Alaska, the average cost for car insurance for a 16-year-old is $500 per month, while in Alabama it is $565. In other states like Louisiana and Rhode Island, the average cost can skyrocket to $1,298 and $1,006 per month, respectively. On the other end of the spectrum, Hawaii offers the lowest average cost at $126 per month.

StateAverage monthly premium
Alabama$565
Alaska$500
Arizona$644
Arkansas$640
California$520
Colorado$667
Connecticut$880
Delaware$977
Florida$941
Georgia$623
Hawaii$126
Idaho$463
Illinois$659
Indiana$430
Iowa$429
Kansas$505
Kentucky$688
Louisiana$1,298
Maine$401
Maryland$558
Massachusetts$550
Michigan$732
Minnesota$459
Mississippi$536
Missouri$743
Montana$594
Nebraska$612
Nevada$776
New Hampshire$501
New Jersey$787
New Mexico$537
New York$616
North Carolina$316
North Dakota$559
Ohio$397
Oklahoma$676
Oregon$487
Pennsylvania$576
Rhode Island$1,006
South Carolina$606
South Dakota$556
Tennessee$569
Texas$690
Utah$655
Vermont$348
Virginia$481
Washington$448
Washington D.C.$724
West Virginia$603
Wisconsin$545
Wyoming$532

Low-cost car insurance for 16-year-old per month

Finding affordable car insurance for 16-year-old drivers is possible. Some companies offer lower average costs, such as Island Insurance at $139, North Carolina Farm Bureau at $291, and Mapfre Insurance at $336.

Comparing rates from multiple insurers is one of the easiest ways to find which insurer offers the lowest cost for 16-year-old driver and provides all the required coverage.

CompanyAverage monthly premium
Island Insurance$139
North Carolina Farm Bureau$291
Mapfre Insurance$336
Erie Insurance$346
Western National Mutual$354
Geico$409
Auto-Owners$410
State Farm$413
American National Finance$416

The impact of adding a 16-year-old driver to a family’s existing auto insurance policy

Adding a 16-year-old driver to a family’s existing auto insurance policy can lead to significant savings compared to getting their own policy. On average, a 16-year-old driver can expect to pay $591 per month for their own policy. However, by adding them to their parent’s policy, the cost can decrease to $196 per month, resulting in savings of $395 per month. This option can be a more cost-effective solution for families looking to insure their young drivers.

Cost with own PolicyCost with Parent’s policySavings
$591$196$395

Conclusion

Car insurance costs for 16-year-old drivers can vary based on coverage levels, gender, state of residence, and choice of the insurance company. Opting for higher coverage increases the average cost, while gender differences can also impact insurance rates. The average cost varies significantly by state, with some states having substantially higher premiums than others. However, affordable options exist, and it is possible to find lower-cost insurance for 16-year-old drivers by comparing rates from different insurers.

Additionally, adding a 16-year-old driver to a family’s existing policy can lead to significant savings compared to getting a separate policy. Families looking to insure their young drivers can consider this cost-effective option.

Methodology

Insure.com commissioned data for Average car insurance rates for 16-year-old drivers from Quadrant Information Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 16-year-old-year old driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insure.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Information Services are for comparison purposes only; your rates may differ.