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When it comes to teen drivers and car insurance, things get confusing — and expensive — quickly.
A parent adding a male teen to a policy can expect auto insurance rate to balloon to more than $3,000 for full coverage. It’s even higher if the teen has his own policy. That policy would likely cost more than $6,000 — and may eclipse $10,000 depending on the state.
Now, that we’ve reviewed those sobering facts, let’s guide you through your auto insurance buying. We’ll look at discounts, options and special circumstances — so you can find the best car insurance for teens.
Even though the right answer is usually to add a teen onto your policy to mitigate some of the cost, there are other options and discounts that can save money. We did as much of the legwork as possible for you, hunting down discounts and reading the fine print. In the end, you’ll need to compare auto insurance quotes using our quote comparison tool to see which company is best for you.
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Scion Frs Insurance For 16 Year Old
To start at the beginning, simply scroll down. You can also jump directly to your unique situation
Getting started: An easy primer
- Know your timing. Chances are that your car insurance company will contact you. How does the company know? It probably asked you for the names and birthdays of all the children in your home when you first signed up for your policy. So, if your teenager is 16 or 17 now, it knows all about it. If you don’t get the call, alert your carrier once your teen gets a learner’s permit to talk through your options and to give yourself time to compare car insurance companies. In general, permitted drivers are automatically covered as a part of the parent or guardian’s policy with no action needed on your part. However, when they do have a true driver’s license, even provisional, they will need to be on your policy or get their own.
- Get ready to compare quotes. Our research shows that insurance companies across the U.S. (except Hawaii) use age and experience as a rating factor. In our studies, adding a teen raises your car insurance costs anywhere from 100% to more than 200%. However, the rates that insurance companies charge you for adding a teen varies, as shown in the California Adding A Teen To Your Policy table below. Also,
- Understand available discounts. When you add a teenager to your car insurance policy or they get their own, car insurance companies don’t actively communicate what discounts are available to you. Use our discount guide below so you’re not in the dark.
|All 50 states and the District of Columbia now have a Graduated Driver’s License (GDL) system, according to the Insurance Institute for Highway Safety (IIHS). GDL programs save lives. A study by the IIHS found states with stronger graduated licensing programs had a 30% lower fatal crash rate for 15- to 17-year olds.|
Adding a teenager to your car insurance policy
Adding a teenager to your car insurance policy is the cheapest way to get your teen insured. It still comes with a hefty cost, but you can certainly save if you choose the best car insurance companies for teens. We can help.
How much does it cost to add a teenager to car insurance?
Let’s get down to numbers. The cost of adding a teen to your car insurance policy varies based on a number of factors. Every situation is different, but to get a solid snapshot of teenage driver insurance costs, we compared rates in 10 zip codes in each state. The family profile we used owned a 2019 Honda Accord driven by a 40-year old man buying full coverage. Then we added a 16-year old teen to the policy. Here’s what happened:
- The average household’s car insurance bill rose 152%.
- A teenage boy was more expensive. The average bill rose 176%, compared with 129% for teenage girls.
- California rates increased the most, more than 200%.
The reason behind the hikes: Teens crash at a much higher rate than older drivers. The risk is four times as much. According to the federal Centers for Disease Control and Prevention, the worst age for accidents is 16. They have a crash rate twice as high as drivers that are 18- and 19-year-olds.
Costs vary by insurance company, which is the reason we suggest shopping for teen driver insurance. It’s easy to switch car insurance companies. We’ll provide you the guidance to switch, cancel and save.
California Adding A Teen To Your Policy Rates by Company
The table shows the average cost of car insurance for 16-year-olds when adding them to an existing car insurance policy.
|Company||Female||Male||Average||Get a free quote online|
|Geico||$1,632||$1,758||$1,695||Get an online quote from Geico|
|State Farm||$1,394||$2,462||$1,928||Get an online quote from State Farm|
|Nationwide||$2,486||$3,228||$2,857||Get an online quote from Nationwide|
|Progressive||$2,733||$4,223||$3,478||Get online quote from Progressive|
|Allstate||$3,004||$4,112||$3,558||Get an online quote from Allstate|
|Farmers||$5,024||$9,248||$7,136||Get an online quote from Farmers|
How to add a teen to your policy
If you’re choosing a new car insurance company, you should have already added the teen to the policy when first signing up. If you want to add a teen to your current or new policy, follow these steps:
- Call your car insurance company, if they haven’t already contacted you.
- Talk through the changes to your policy in detail, minimum and maximum coverage and insist on hearing the ins and outs of each and every discount. These can add up to considerable savings. If you are also adding an additional car, be sure to ask about a multi-car discount.
- Have ready your teen’s driver’s license information and information about any new vehicles.
- Take the time you need to decide. Just make sure your teen isn’t driving on a full license without being formally added to your policy or their own. That would be risky.
If my teen gets a ticket, will it raise my rates?
Yes. Once together on the same policy, all driving records — including your teen’s — affect premiums, for better or worse. You share in the discounts, and you shall also share in the risk. To understand how a moving violation will affect your rates, we ran a study and found that the additional cost could run from 5% to as high as 20%.
Teen buying their own policy
Can a teen buy his or her own insurance? Yes.
Companies will sell directly to teens. However, state laws vary when it comes to a teen’s ability to sign for insurance. That means a parent may have to co-sign — and it’s rarely cheaper. In fact, your teen will likely have a higher premium compared to adding a teen to a parent or guardian policy.
However, there are cases where it might make sense for a teen to have their own policy. Progressive cites two:
- You have a luxury sports car. On a single plan, all drivers, including the teen, are insured against all cars.
- The teen is eager to be financially independent.
Car insurance is different for a first-time car insurance buyer, but it’s a great time to start a relationship with an insurance provider.
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The Most Reliable Car Brands of 2020, According to Consumer Reports
Which automaker will give you the least issues overall on the new car market? Consumer Reports has the answer, with its list of the most reliable car brands of 2020.Volume 0%03:5503:55
Brand loyalty is a real thing, and reputations for reliability play a key role. Like previous years, Japanese brands dominate the list, locking out the 2020 podium. Past that, however, the island nation only shows up one more time in the top 10. Korea gets a strong showing with no less than three entries, plus there are appearances by German and American brands. It’s here where a few surprises show up…
Dropping by two spots over last year, Dodge still benefits from a venerable lineup of well-known models. The Charger and Challenger keep pumping out increasingly powerful models, sure, but according to CR, they can take it: the Challenger is the most reliable vehicle Dodge makes.
Last year this was the only American brand to make the cut, but there’s a few higher up the list this time around…
Porsche is a moving back and forth on the CR list. Two years ago it was ninth, then last year it was fifth. It’s back to the the earlier ranking for this year, though Consumer Reports was only able to report on two models through its surveys: the Cayenne and Macan, of course.
The company did rescind its Recommended rating for the new Taycan EV, but did so based on the predicted reliability based on other EVs—it’s too early to tell for the Porsche.
The Pleiades-badged brand continues to tumble this year, though it only dropped a single spot over last year’s result. CR cites the continued issues with the Ascent three-row crossover as the main culprit.
Nonetheless, the brand held on thanks to the strong reputation of the rest of the lineup. Perhaps most surprising is the Subaru with the best track record: the BRZ. Then again, it is the oldest model in the line.
Stellantis’ truck brand got a big boost this year, showing up in the seventh slot. This comes shortly after news that the brand has now overtaken Chevy for the title of second-best-selling truck in America. So it’s good to know they’re reliable too.
SEE ALSO: 2021 Ram 1500 TRX Review: First Drive
The Ram 1500 does most of the heavy lifting for the brand. While still quite new, this generation has benefitted from a high-quality interior and an infotainment system that’s reliable and intuitive. And for those that want wild, there’s the Ram 1500 TRX.
Hyundai’s tradition of value and dependability keeps it at the pointy end of the charts again this year. The Korean brand bucks the trend of older models tending to be more reliable thanks to the Kona being its strongest performer.
SEE ALSO: 2021 Hyundai Elantra Review: First Drive
After a few years outside of the top 10, Honda has jumped up from 12th this year. According to Consumer Reports, that’s due to the reliability of most of its lineup balancing out the continued issues with the Odyssey and Passport.
Up next year is a wholly new Civic generation, which continues to be a big draw for Honda: it remains the best-selling car in America.
No other company made strides as big as Buick on this year’s list. It went from a disappointing 18th place last year to fourth, and is the highest-ranking domestic manufacturer.
CR credits the brand’s small lineup, which generally has few problems.
Lexus rarely strays from the top of CR’s list, and it’s not hard to see why. The brand sticks to tried-and-true platforms, offering peace of mind with a heavy dose of luxury. The brand averages an 71 out of 100 on CR’s scale, a solid 50–100 percent higher than the average across the industry. That’s huge.
This year sees the addition of the stunning LC Convertible seen above, as well as a thoroughly re-engineered—but still on the same platform—IS sport sedan.
Toyota stays on the podium for another year, moving up from third. Year after year the largest Japanese automaker sticks to the top of the list, made all the more impressive by it having the largest tested lineup of all the brands.
Unsurprisingly, it’s the Prius and Corolla that lead the way for the brand, with ratings of 93 and 90, respectively.
Mazda continues to impress, moving further up the list to nab the top spot. The manufacturer has made a history of bucking trends: if it’s not the rotary engine, it’s remaining an independent in an increasingly shacked-up industry—hello, FCA and Peugeot—or imbuing its mainstream models with some sports car sparkle.