Auto Insurance for a 16 Year Old Female

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Finding auto insurance for a teen can be rough. Finding auto insurance for a 16 year old female in world where the average driver is at least 17 can be even more difficult – and expensive. It's impossible, though. All you need to do is familiarize yourself with some of the myths and realities surrounding auto insurance for teens.

Separate Policies for Teens

Some people say that teenager's aren't allowed to purchase auto insurance because they're not 18 years old and, as such, can't sign a contract. This isn't necessarily true. The department of motor vehicles will allow your teen to have a driver's license and will allow her to register her own vehicle. With that in mind, an insurance company will let your teen purchase her own insurance policy.

The only problem with purchasing auto insurance for a 16 year old female is that she might have trouble paying for coverage. While she might have a license and maybe even a job, the bank is the one who will give her a problem as most won't give checking accounts to anyone under the age of 18. You may have to help her out in that regard.

The Cost of Insurance for a Teenager

The cost of auto insurance for a 16 year old female will be high but, fortunately, it won't be as high as it would have been had she been born a male. The average teenage male driver will pay anywhere from $1,000 to $4,000 per year for coverage depending on the type of vehicle he purchases and his driving habits. A teenage female will still pay high rates but you can expect them to be closer to $1,500 to $2,000 unless she has a bad record or chooses a sports car.

Finding Cheap Auto Insurance

When you start the serious search for auto insurance for a 16 year old female you'll need to keep the following in mind:
  • The type of car you choose will make a huge difference. Sports cars, two door coupes, and even SUV's have higher rates.
  • The rates for auto insurance for a 16 year old female can be reduced if your daughter has taken a behind the wheel driving course and/or if she gets good grades in school.
  • If your daughter does drive a newer car, choose higher deductibles for your comprehensive and collision coverage in order to keep the rates down.

Don't forget to shop around, too. The best way to get great auto insurance for a 16 year old female is to enter your information into our site and let us gather the most competitive quotes for your area. You won't be disappointed!

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