We'd love to tell you that as a 16 year old girl your car insurance coverage will cost exactly $2376 a year and be right. Unfortunately, we can't. There are a multitude of factors and calculations that go into a car insurance rate, so to find out how much insurance is going to cost you, we'll have to know more about you.
The only accurate way for you to find out the cost of car insurance coverage is to follow this link and get an auto insurance quote. 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.
A teen's policy on average costs between $1200 and $2500 a year. As a female teenager your rates may be a bit less then 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 $500 for a year of car insurance, then as a newly licensed 16 year old, you can expect to pay $1260 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.
Back to the $2376 mentioned. We didn't just make up that number. We reviewed our CarInsurance.com Premium Index (CPI) Average Annual Car Insurance Cost for Teens page. Here we found that in April 2011, this was the average annual auto insurance cost for teens that received quotes on our site. So, $198 a month for car insurance coverage is a real amount that you could end up paying.
To get an accurate amount for how much car insurance will cost you as a 16 year old female, you will need to go through our simple quoting process. You can get started here to get your free auto insurance quote at CarInsurance.com.