The only way to know the costs each month is to follow this link and get an accurate quote. Just enter you zip code, answer the questions and a rate is provided free of charge. In some states you may be redirected to our partners. We receive many comments on this question so this will explain why you must give more information than just your age to get a rate:Many factors go into determining your insurance rate. You must provide that information in our simple quote form, so we can calculate your rate to tell any 16 year old how much their insurance will cost. There are hundreds of factors and calculations that go into a rate, so this is a BIG generalization: On average, a 16 year old can expect to pay 2.52 times the base rate for their insurance. If your parents pay $500 for a year of car insurance, then a 16 year old can expect to pay $1260 for a year of car insurance. You have to be rated with all the factors to give an accurate rate. For example, in New Jersey a 16 year old may pay 3.2 times the base rate, but in Montana they pay 1.9 times the base rate. These are all generalizations that are intended to explain that rate calculations require more than just age. Here are a few of the factors: - Your age
- Marital Status
- Gender
Factors you CAN change that impact your auto insurance rates: - Accident claims
- Geography
- Driving violations
- Your vehicle
- Credit rating
- Occupation
Other factors that go into determining premiums: - Years of driving experience
- Miles driven per year
- Distance to work
- Business use of the vehicle
- Whether or not you currently have auto insurance
- Theft protection devices (often results in discounts and doesn't affect rating, but it affects the price)
- Multiple cars and drivers (another opportunity for discounts and doesn't affect rating, but it affects the price)
It is easy to provide this information on our quote form. Simply enter your zip code on our home page and we will guide you through it.
|