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Auto Insurance Rates for New Teenage Drivers Columbus NE

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.

Davidson- Roland D - State Farm Insurance Agent
(402) 564-5512
1570 38th Avenue
Columbus, NE
Gateway Realty-Gmac Real Estate
(402) 564-1457
1668 33rd Avenue
Columbus, NE
Stempek- Shelley - State Farm Insurance Agent
(402) 564-5512
1570 38th Avenue
Columbus, NE
Bankers Life and Casualty CO
(402) 493-4330
2460 18th Avenue
Columbus, NE
State Farm Insurance Agent
(402) 564-3922
1570 38th Avenue
Columbus, NE
Eberhart Jack
(402) 564-0558
3309 31st Street
Columbus, NE
Farm Bureau Insurance
(402) 562-7777
2921 23rd Street
Columbus, NE
James E Pile
(402) 564-3311
1354 27th Ave
Columbus, NE
Michael Brittenham Ins Agcy In - State Farm Insurance Agent
(402) 564-4300
2320 23rd Street Ste A
Columbus, NE
Sanders- Barbara L - State Farm Insurance Agent
(402) 564-8581
3220 19th Street
Columbus, NE

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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