Most insurance companies allow a newly licensed 16-year-old the ability to purchase an insurance policy. However, you will need a parent or a legal guardian to sign the application with you. For minors, the policy will be voided if a parent or legal guardian does not sign the application; insurers require an adult to sign on to make the legal contract valid.
If you are looking to buy a car at age 16, contact your state's Department of Motor Vehicles (DMV) first to find out if there is a minimum age at which to buy, register and title a car in your name. Some states have a minimum age of 17 or 18, while others will allow you to title a car in your name at any age.
Whether you're a teen driver yourself or a parent who needs to insure a new driver, read our comprehensive guide on car insurance for young drivers.