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Q

What are the cheapest cars to insure for a 16 year old girl or boy?


A

In most cases, the less expensive the car is to buy, the less expensive it is to insure.

In addition, domestic vehicles are usually less expensive to insure as are 4 door cars, 4 cylinder motors and minivans.

According to leading car retailers, these cost the least to insure in the first 5 years of ownership:

  • Chrysler PT Cruiser 4dr Wagon
  • GMC Safari SLE AWD 3dr Minivan
  • Dodge Caravan SE 4dr Minivan
  • Saturn ION 1 4dr Sedan
  • Pontiac Sunfire 2dr Coupe
  • Jeep Liberty Sport 4WD 4dr SUV
  • Saturn L300 1 4dr Sedan
  • Volvo S40 4dr Sedan
  • Saab 38600 Linear 2.3t 4dr SportWagon
  • Buick Century Special Edition 4dr Sedan

Good luck and happy car shopping. You can obtain as many quotes for as many different vehicles as you'd like at our web site. Enter your zip code and then some basic information for a quote. You can select different types of vehicles on the vehicle page to compare the difference in the rate.

If you are looking for an older vehicle then you should still use the same reference that a less expensive car to purchase is less expensive to insure.

Most safety experts caution against SUVs for teens. Young drivers tend to overcorrect when steering out of fear, this makes them more prone to roll their vehicles.

You should look for these factors on an older car:

  • reliability
  • safety
  • price

Small cars, such as the Honda Civic, the Ford Focus and Saturn models are the most popular choices, but they aren't always the best choice for young drivers. The lightest vehicles have the highest death rates.

If you can stand it, minivans and large four-door cars have the lowest death rates. Insurers use these factors when considering your rate. The bigger and heavier car is a smarter choice for young drivers, even if it isn't cool.

Here are some great CarInsurance.com resources for teen drivers:

Comment Update: We get many requests for exact numbers. Young drivers should understand that many factors affect your rates. We can give you numbers, but they will be different in every different locale throughout the United States. Here are some 6 month premiums with no tickets in different parts of Florida:

Central Florida:

  • Bodily Injury 10000/20000 -- $546
  • Property Damage 10000 -- $534
  • Personal Injury Protection 1000 -- $386
  • COVERAGE 2002 MITSUBISHI ECLIPSE SPYDER GT
  • Comprehensive 500 -- $84
  • Collision 500 -- $1,016
  • Policy Total -- $2,566

South Florida:

  • Bodily Injury 10000/20000 -- $880
  • Property Damage 10000 -- $580
  • Personal Injury Protection 1000 -- $634
  • COVERAGE 2002 MITSUBISHI ECLIPSE SPYDER GT
  • Comprehensive 500 -- $387
  • Collision 500 -- $1,598
  • Policy Total$4,079

Put your zip code in the quote box above and find out how much your area costs to insure a 16 year old. Once you get to the Quote Screen, simply click on the Vehicle tab and compare as many vehicles as you would like!


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35 Responses to "What are the cheapest cars to insure for a 16 year old girl or boy?"
  1. Vincent

    I personally think a Porche 911 from 1980 or a VW Passat.

      Reply»  
  2. Visitor

    I am wondering how much it will cost to insure a Chevy Duramax 4x4 for a sixteen year old in Texas?

      Reply»  
  3. Visitor

    I am about to be 14 and I am stressed over finding the perfect truck without going out of budget. I need HELP!!

      Reply»  
  4. Visitor

    This site should also list cheap cars to buy, not just cheap insurance cars

      Reply»  
  5. Anonymous

    The site could be more helpful in showing us suitable cars for new drivers.

      Reply»  
  6. Anonymous

    i second the comment add on 9:58 am June 13th

      Reply»  
  7. Anonymous

    How about some facts, techniques, general information?

      Reply»  
  8. Anonymous

    Well, i am 16. I drive a black 2004 Jeep Liberty. Its nice but i dont know how it ended up on this cheap list of cars to insure?? My insurance is 200$ a month. (granted my paretns pay for it). It shouldnt be here. I love my car, but the insurance needs to go down.

      Reply»  
  9. Anonymous

    How much is a 2000 bmw 528i 5spd manual for a 16 year old male driver?

      Reply»  
  10. Anonymous

    how much is insuranc e for a 2010 chevy avalanche

      Reply»  
  11. Anonymous

    I recently got into a wreck and totalled my Celica, it wasnt my fault but the only witness bailed and the cop who was there when it happened left without even calling Florida Highway Patrol, now Im looking at an 05 Mustang and have a few questions. 1, are domestic (American) cars cheaper to insure? 2, Newer cars are cheaper to insure because theyre more up to modern standards, right? 3, I firmly believe I wouldnt have lost control had I a RWD vehicle, does the drivetrain affect insurance? 4, the Celica I had was 4-star crash test and 4-star rollover, the Mustang is 5-star on all, does this impact insurance at all? and 5, is there any sort of legal action I could take against the crappy cop who bailed as soon as he heard noone was hurt badly, without even calling FHP, and the witnesses had to leave, had he taken it there, I wouldnt have been charged with the accident and been saved alot of pain and trouble? I have the date and time I called 911 (emergency respone my ass).

      Reply»  
  12. Anonymous

    man this stuff is not givin me any information on anything a bout the access to car insurance for minors...

      Reply»  
  13. Anonymous

    my insurance for a 2008 mercedes on my 16 year old is 7000 !!

      Reply»  
  14. Anonymous

    who says having a minivan is a bad thing? I have a 2000 dodge grand caravan with a 3.8L V6 and the newest ones come with a 4.0 L V6, trust me they have plenty of pickup, and at first m friends were like "oh you own a minivan?" but after they all got in and realized how many people it could hold they loved it, ifact they even gave it a nick name, your car is as cool ass you want it to be, so please, dont worry about "fast" when it comes to minivans, because mine can out run my grandmas jeep and mercedes. stay fresh my friend

      Reply»  
  15. Anonymous

    Geo Metro, they get 45 mpg and its only somewhere around 40 dollars a month, but the cheapest insurance are found in motorcycles and such, a Roketa Fiji 150ccs insurance is only $13.95 a month with State Farm. That insurance is for my 16 year old son, we were happy to find something that got good gas mileage and had cheap insurance, also, the older the car, typically has cheaper insurance. With state farm a 1973 Ford F150 extended cab and long bed is only $42 dollars a month.

      Reply»  
  16. Anonymous

    Just go to craigslist, I found a 1993 Chevy Lumina Euro on there for 400 dollars, and its only 45 dollars a month for insurance. Good grades and drivers education help a ton when it comes to insurance, i'm 16 by the way.

      Reply»  
  17. Anonymous

    I want to give 1 of my Lamborghinis to my son and he is only 15 and has a 4.0 GPA... How much does it cost to insur him?

      Reply»  
  18. Anonymous

    hey how much is car insurance for me? i'm 16, live in florida and i plan on getting a 07 mustang.

      Reply»  
  19. Anonymous

    An agent doesnt have to ask the engine size to know the engine size. It is included in the VIN or when the look up the model.

      Reply»  
  20. Anonymous

    I thought regular cab, older trucks were good for insurance. My insurance agent didnt even ask about the size of the engine.

      Reply»  
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