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How much is car insurance for a 16-year-old?

What will a teenager typically pay for car insurance each month? I just turned 16 and I want to start driving as soon as possible.

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Carol Chung · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“The price of your
car insurance
will depend on where you live and whether you get your own policy or have your name added to a parent’s policy.
  • The average cost of a six-month policy for a 16-year-old alone is over $7,000.
  • The average cost of a parent’s policy (also six months) with the addition of a 16-year-old driver is around $3,200.
If you live in a state with more affordable car insurance rates, like Wyoming or Iowa, you or your parent will pay less for coverage. But if you live in a state with pricier premiums, like Michigan or New York, you or your parent will pay more.
We know, it’s a lot! But there’s good news. If you have above-average grades (usually a B or 3.0 grade point average), you may qualify for a good student discount. Ask your insurance provider for more details.
To find the best deals on car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of gathering affordable quotes from the top name-brand insurance companies, so you can focus on getting good grades and being a safe driver.”
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