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

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

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, which 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.

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
  • 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
  • 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. Anonymous

    Cars should only be a method of transportation and nothing else.

  2. Anonymous

    I am a 15 year old male and want to know what is the best car thats kind of fast and not a PT cruiser or Minivan.

  3. Anonymous

    Great info! I was goning to get a ford focus but once i read the info about young people getting the car i think i will go with a different choice! T.Y.

  4. Anonymous

    Im just now pricing for my 16 year daughter and the rate are all over the board! Im a 40 year old father and have a perfect driving record. I have a local broker who finds me the best rates. I have just received my quote for a 1999 Mustang GT with 60,000 miles......my rates went up $1700 per year! On the other had I prices the VW 1.8L 4V 1998-2004 Beetle prices from $1400-$1700 not much difference in price. Not bad considering I have three other cars and a home full of girls! The Mustang is a family tradition and also very safe double airbags and good handeling comparied to vans and SUVs.

  5. Anonymous

    how much is insurance for a bmw z4

  6. Anonymous

    Im a 17 year old female and I have a 2003 ford explorer and i was wondering what is the differance between the insurance companies? why are some cheaper than others???

  7. Anonymous

    Im just starting to do research on this subject and this is exactly the kind of information I needed.

  8. Anonymous

    Does the Chevrolet cobalt have low insurance rates for a 17 year old girl in CA?

  9. Anonymous

    I'm loving these comments! These kids need a reality check! I'm 19 and I sell cars at a dealership. I can't find car insurance cheaper than $2200 annually and i have a perfect dirving record! As to the Mitsu GTS boy, don't even think of it. That's a whole lot of car for someone as young and new as you. You're going to pay A LOT more in insurance and chances are, you'll total it before you come remotely close to paying it off. As for other kids, get on your parents insurance. It's going to save you THOUSANDS. Your insurance rates won't become reasonable until youre about 25!!! To find the cheapest car insurance its best to shop around. Independent brokers like CarInsurance.com are the way to go. They're much better to deal with. Geico and Progressive are going to have very high premiums for kids so stay towards the smaller local insurance companies. Honestly, in my opinion, its best to find a car through a dealership. They have access to several lots and inventory all over the area.

  10. Anonymous

    No 16 year old male wants a 4 cylinder car. I am 16 and was looking to find out how much I would be paying for 6 months on a 2000-2002 mitsubishi eclipse spyder GT. please list liability and full insurance.

  11. Anonymous

    I am a 16 year old male that wants to get on a persons insurance that are with Progressive, how much will it be for me to get on.

  12. Anonymous

    Im looking for a car that a sixteen year old can buy. Something about 10 years old

  13. Anonymous


  14. Anonymous

    Im looking for Makes, Models and years... not "4 door cars, 4 cylinder"

  15. Anonymous

    I want specific car suggestions not general BS.

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