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Q

How much does car insurance cost for a 16 year old girl?


A

We'd love to tell you that as a 16-year-old girl your car insurance coverage will cost exactly $2,376 a year and be right. Unfortunately, we can't. There is a multitude of factors and calculations that go into a car insurance rate.

To find out how much insurance is going to cost you, we'd have to know more about you because your risk as a driver is a large part of what your premium will be based on.

The only accurate way for you to find out the cost of car insurance coverage is to follow this link and compare car insurance quotes. You will answer some simple questions. At the end of the process, a car insurance rate quote is provided for you -- free of charge.

Maybe you don't yet have a car or aren't ready to get a quote, but just want some general information on the cost of car insurance for a 16 year old teenage girl; this we can help you with.

Insuring a teen is expensive

A teen's policy on average costs between $1,200 and $3,000 a year. As a female teenager your rates may be a bit less than your male counterpart, as long as you have a clean driving record.

In general, and this is a BIG generalization, at your age you basically can expect to pay somewhere around 2.52 times the base rate for car insurance coverage. So if your parents pay $800 for a year of car insurance, then as a newly licensed 16 year old, you can expect to pay $2,016 for a year of car insurance.

Your location, as well as other rating factors, plays a part in your rate as well. If you live in a more populated state, such as New Jersey, you could end up paying 3.2 times the base rate. If you live in Montana, where it is far less crowded, you may only pay 1.9 times the base rate.

Other rating factors are also taken into account by a car insurance company as it calculates your base rate. This includes your:

  • Driving record
  • Driving experience
  • Claims history
  • Credit history
  • Vehicle type
  • Vehicle Use
  • Gender
  • Age
  • Marital Status
  • Previous insurance coverage

The coverage, limits and deductible you chose for your policy will also help determine how much you will pay.  You'll pay less if you carry just liability coverage on your car insurance policy.  Another way to lower rates is to look for discounts for teenagers, such as asking about a good student discount.

To get an accurate answer for how much car insurance will cost you as a 16-year-old female, you need to go through our simple quoting process and see the range of rates you receive.  It will normally cost less if you're able to get insured on your parent's policy instead of obtaining your own policy, which your parents will need to sign on while you're a minor anyway.



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