How much does USAA insurance cost for a new, 16-year-old driver with an older-model Ford Focus?

I'm 16 and just bought an old Ford Focus to get to school and work. How much does USAA charge for someone my age with a low-horsepower car?

Answer provided by
Eric Schad
Answered on Apr 16, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“There’s no way to get a precise dollar figure without getting a quote. That said, insurance for teen drivers tends to be expensive, especially if they have their own policy.
If your parents have an insured vehicle with USAA, getting on their policy is probably the cheapest option. The good news is that USAA offers a number of discounts for its members, which can help you in your insurance negotiations (and payments, if applicable) with your parents. The list includes:
  • 10% legacy discount for long-term members
  • Good student discount for high school and college students who hold a B average
  • Multi-vehicle discount (since you have your own vehicle)
  • Discount for taking driving classes
Bring up these discounts with your parents, especially if they’re long-time USAA members, and you’ll probably find a good rate to fit your budget (or your parents’ budget).”

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