Best Cost Car Insurance

what is the best price for car insurance for a 16 year old junior driver?

Public Comments

1. It will depend on you state, city, zip code, driving history and vehicle. But adding someone 16 years old to a parents policy living at home should be around $2,000.00 a year for liability only. Horsepower Simply put, the more horsepower a car has, the higher your premiums are going to be. Statistically, teenagers driving high horsepower rides are more likely to drive faster, and thus more likely to be involved in accidents. Size There is a common myth that a smaller car can more easily dodge hazards. This is incorrect. Just like horsepower, teenagers driving smaller cars are more likely to get into a collision. Statistically, full-sized family sedans are the safest. But don't automatically think bigger is better. It also matters how much you damage the car you crash into -- so large SUVs will tend to drive up your liability premiums. Cost Of The Vehicle The vehicle's initial cost is also a factor. Since a more expensive vehicle will cost more to repair, you're going to pay higher collision premiums. Attraction To Thieves If your vehicle is a hot target for thieves, it could potentially drive up your rates. With all these factors in mind, here's a list of mid-size sedans that might be your teen's best bet for lower insurance rates: Chevrolet Malibu (HP: 144 - MSRP: $16,365) Dodge Stratus (HP: 150 - MSRP: $19,725) Ford Fusion (HP: 160 - MSRP: $17,145) Hyundai Elantra (HP: 138 - MSRP: $14,065) Kia Spectra (HP: 138 - MSRP: $14,600)
2. good god that was long answer! LOL the best way to get a good rate at your age is to be placed on your parents policy on a car carrying only liability and if possible as an occasional driver.