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Auto Insurance Rates for New Teenage Drivers Albemarle NC

How to get the cheapest auto insurance rates for 16 year old male drivers and other teenage drivers. Car insurance is expensive but there are ways to minimize the cost if you know how.

Allstate Auto Insurance
(888) 355-7971
613 US Highway 52 N
Albemarle, NC
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
217 Main St W
Locust, NC
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Joe Speight Ins Agcy Inc - State Farm Insurance Agent
(704) 983-6940
186 North 1st Street
Albemarle, NC
 
Nationwide Insurance CO - Agent
(704) 983-3216
320 North 2nd Street
Albemarle, NC
 
North Carolina Farm Bureau Insurance Company
(704) 982-0113
1211 West Nc 24-27 Bypass
Albemarle, NC
 
Allstate Auto Insurance
(888) 355-7971
2218 E Main St
Albemarle, NC
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

DRYE Insurance Agency Inc
(704) 983-1131
202 South 1st Street
Albemarle, NC
 
Albemarle Insurance Agency
(704) 983-1161
PO Box 370
Albemarle, NC
 
Nationwide Insurance
(704) 983-3216
320 North 2nd Street
Albemarle, NC
 
Advantage Insurance Inc
(704) 982-8211
146 East Main Street
Albemarle, NC
 

Auto Insurance Rates for New Teenage Drivers

Since 16 year old teens cannot legally sign contracts, including car insurance agreements, they typically get insurance coverage by being added to their parents' existing auto insurance policy. Until they are 18 years old, teens cannot buy their own insurance.

If a teen is added as a occasional driver for an existing family car that is also driven by other family members, rates will be much lower than if the he/she is a primary driver on his/her own car. The cost of adding a driver to an existing family car insurance policy is always cheaper than taking out a separate policy.

Adding a 16 year old male teenager to a family's car insurance could easily double the cost. The exact amount of the cost increase depends on a number of factors, which we'll discuss in a moment.

Teens and their families often are tempted to try and avoid the higher cost by listing a teen as an occasional driver when they are actually a primary driver, or simply not listing the teen at all. It may seem that the scheme is working for a while — until the first time the teen is involved in an accident or receives a traffic ticket. If an accident is the teenager's fault, the insurance company has a right to deny any claims resulting from the accident, which could be financially devastating if damages and injuries are extensive. Furthermore, the company would likely cancel the family's insurance. Auto insurance companies are not dumb. They've seen every trick in the book.

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