Younger teens tend to pay more for car insurance coverage, and 16-year-olds pay an average of 85% more than 19-year-olds. If you're looking for a policy and want to start your search, you can start by looking at WalletHub's guides on the best car insurance for teens and the cheapest car insurance for teens. Car insurance for teens is much more expensive than coverage for older, more experienced drivers, due to teens' propensity to drive riskly and the relative lack of experience behind the wheel. The most affordable way to get car insurance for a teen is to add the teen to a more experienced driver's policy, such as that of a parent or guardian.
While car insurance is often expensive for teens, there are still ways to reduce the cost of covering a young driver. Adding a teen to an existing car insurance policy can be significantly cheaper than having a teen get their own policy. The cheapest car insurance companies for teens are Travelers, USAA and Progressive, according to the WalletHub analysis. If the cost of car insurance for a 16-year-old person is still too high, you might consider adding them to an existing policy.
Most car insurance companies will require teens who live with their parents to be listed on the parents' policy. One of the best ways to reduce the cost of car insurance for teens is to add them to an existing policy instead of having them buy their own policy. While teens can get their own policies, car insurance just for a teen costs much more than if added to an existing policy.