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How can I get affordable car insurance at 16?
I just turned 16 and got my first car. I know insurance can be expensive, so how do I find the most affordable car insurance rates?
Grace Cho · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congrats on your first car! That’s a big deal.
Unfortunately,
car insurance
for young drivers can be very pricey—especially if you’re planning to get your own policy. You might want to talk to your parents about staying on their policy to save the most money. You can always pay them back for the cost of your coverage. It’s also a good idea to look for discounts for which you qualify. Some common discounts include:
- Discounts for keeping your grades above a B average
- Discounts for taking a defensive driving course
- Safe driving discounts
Another good way to get a reasonable rate is to keep a clean driving record, especially if you are a young driver.
Take a look at your policy coverages and carry only the limits that you need. For example, you may only need a
liability-only
policy if you are driving an older car. However, if you need full coverage, choose $500 or $1000 deductibles so that the rate is as low as possible.The best way to find the most affordable rates is by shopping for quotes.
Jerry
will make comparison shopping a breeze! Jerry will generate free competitive quotes from over 50 insurance companies in less than a minute. Once you buy a policy, your ID cards and policy documents get emailed to you right away. The best part? Most Jerry users save $879 per year View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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