In Iowa, the most affordable minimum-coverage rate averages about $930 each year. Compare that cost to the rates in Louisiana, which is the most expensive for full-coverage annual policies for 16-year-old chauffeurs. A 17-year-old chauffeur will not pay as much as a 16-year-old, however the vehicle insurance coverage cost will still be pricy.

A 17-year-old driver must pay about $5370 annually for complete coverage and$2206 annually for minimum protection. These 17-year-old motorists pay the most in Louisiana, as its full-coverage rates top$9255 each year. An 18-year-old motorist pays each year on average a bit more than$4830 for full protection, and the average yearly minimum-coverage rate is$1940.

Putting Hawaii aside, North Carolina has among the cheapest typical annual full-coverage rates at $2398, while Iowa is the least expensive for minimum coverage at about$812 each year. According to the Insurance Coverage Institute for Highway Security(IIHS), compared to other groups, male teens typically trigger crashes at greater rates.

Fascination About How Much Does Adding A Teen Driver Increase Your Auto ...

The IIHS also mentions that teens ages 16 to 19 are accountable for nearly three times as many deadly accidents compared to adults 20 years of age and older. According to the Centers for Illness Control and Avoidance, car accidents are the second-leading cause of death for teens, with almost 2500 teens losing their lives in auto accident in 2018.

Teens can take a number of actions to reduce their car insurance coverage rates: The insurance coverage company may provide your teenager a discount for taking the course. Many classes can be finished online. Many insurer reward motorists under the age of 25 if they bring a B average in high school or a GPA of at least 3.

When shopping for the most affordable car to insure for your teenager, keep in mind that there are other ways to save money on cars and truck insurance coverage. Nationwide 5 things to do before choosing a cars and truck insurance business for a teen, Decide if you're getting a separate auto automobile policy for your teen or if you want desire teen teenager noted your insurance. Choose which car insurance protection benefits are crucial to you, and make sure to enjoy out for them when speaking to an insurance coverage representative.